I owe an online loan and don t know where to go? What s going on?

Hello, formal loans are linked to personal credit information, when applying for a loan, you should check the credit situation, if there is overdue repayment, it will have a negative impact on personal credit, it is recommended that you take out a loan within your means, repay on time and maintain credit.

Nowadays, there are so many loan platforms, and if you choose a large platform for loans, you can ensure the security of funds and information, and you can use loans more confidently. It is recommended that you use the credit service brand of Youqianhua and Du Xiaoman Finance (formerly known as Youqianhua, renamed as "Youqianhua" in June 2018), which has the characteristics of simple application, fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.

The interest rate is the lowest, and the maximum amount can be 200,000 when you click on the test.

Share with you the application requirements for money to spend: The application conditions for money to spend are mainly divided into two parts: age requirements and information requirements. 1. Age requirements:

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card. Note:

The application is only supported by debit card, and the application card is also your borrowing card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply.

This depends on how you took out the loan at the time, whether you signed a contract, whether there is a legal constraint, and you need to be cautious about the loan.

Hurry up and repay the money, you shouldn't borrow an online loan in the first place, isn't it good to have a regular bank?

It's best not to touch this thing with an online loan, and it's not enough interest for a month of work. Or spend as much as you earn.

Changing numbers and starting from scratch is the same as me.

It doesn't matter if you forget, the online loan company will not forget you, they will notify you, don't worry!

Don't worry, people remember it very clearly, and they will definitely look for you.

You can ask those netizens.

If the borrower does not repay the online loan, the lender may claim overdue interest or take legal measures to recover the arrears. The Civil Code stipulates that the borrower shall return the loan within the agreed period. If there is no agreement on the term of the loan or the agreement is not clear, and it is still uncertain in accordance with the provisions, the borrower may return it at any time.

The lender may demand the borrower to return it within a reasonable period of time.

[Legal basis].

Article 675 of the Civil Code.

The borrower shall return the loan within the agreed time limit. Where there is no agreement on the term of the loan or the agreement is not clear, and it is still uncertain in accordance with the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may demand the borrower to return it within a reasonable period of time.

Article 678.

The borrower can apply to the lender for the extension of the loan period before the expiration of the repayment period; If the lender agrees, it can be extended.

Article 676.

If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or the relevant state regulations.

Most online loans are not on credit reporting, so they won't do anything to you except your address book. The state is also fighting against evil all the time, if they come to collect debts, they will also be punished from it, please rest assured!

What you owe is that platform, and the advice on the credit report is also repaid.

First of all, high interest will be generated, and if the loan is not repaid on time, penalty interest will be incurred, which will be increased by 30% on the basis of the original loan interest rate. If you don't repay it, it will affect your personal credit system, and you won't be able to borrow a penny in the future.

If you don't know how to solve the overdue problem, you can add it to help you solve the current problem.

There will be no consequences for the loan money:

1. If there is really no ability to repay, it shall negotiate with the lending institution to extend the repayment period or repay it in installments;

2. If the lending institution fails to perform the court judgment within the performance period after winning the lawsuit, it will apply to the court for enforcement;

3. When the court accepts the compulsory enforcement, it will inquire about the real estate, vehicles, ** and deposits in the name of the lender in accordance with the law;

4. If the lender has no property in his name that can be enforced and refuses to perform the effective judgment of the court, there will be negative information such as overdue repayment recorded in the individual's credit report and will be restricted from high consumption and entry and exit, and may even be subject to judicial detention.

If you are unable to repay, here are a few suggestions:

1. Say hello to the contact person in the address book in advance and be mentally prepared.

2. Confess with your family to face the responsibility together, and there is great strength in numbers. Don't feel like you're dragging down your family, the more you drag it out, the worse the consequences.

3. Get a credit report on platforms such as "Raindance Quick Check", check your overdue records, and want to repay the money but the money is not enough, then negotiate with the online loan platform, give priority to the formal credit investigation, and try to protect your credit history.

4. The last way is to go ashore compulsorily. I won't pay it back for the time being, so work hard.

What should I do if the online loan is overdue and cannot be repaid temporarily?

The projects that can be done in your spare time can be seen by novices on the same day, without pre-production, and at home.

1. Explain the situation to the contact person in your address book before the deadline, and be mentally prepared to be collected, otherwise you will be at a loss and resentful when you receive **. So, instead of letting the collector say it, it's better to confess it yourself, and of course you can also say that you leaked your information. In short, be sure to inform them in advance, so that they can insist that they don't know themselves when they receive **, which may reduce the harassment they receive to a certain extent.

2. If you don't owe much, confess it to your family. Don't feel embarrassed to save face, you must know that the later you confess, the greater the impact, and you may have to pay back an extra day if you delay it for a day. So confess to your family and try to get their understanding.

Although they may beat you and scold you, I believe that they will face and bear it with you in the end.

3. Obtain a credit report on public platforms such as clean data, check your overdue records, and classify your online loans, formal and informal, those on credit and those on non-credit information. If you want to repay the money but the funds are not enough, then negotiate with the online loan platform and give priority to the repayment of the formal credit report to minimize the impact on yourself.

4. If you feel that your family can't help you, and you don't want your family to help you repay the money, then there is only one last way to go, and that is to force you to go ashore. Forced ashore does not mean that all online loans will not be repaid, and the money still has to be repaid, but it is just a question of how, when and how much to repay. Since you really can't repay the loan for the time being, it's better to stop paying it all for the time being, and let yourself return to normal life and work hard.

Otherwise, if you keep taking out loans to support your loans, you can't even pay the most basic interest, so how can you go ashore?

Return the credit report, come to me, and give you a job, as long as you don't gamble

I can help you with large instalments.

Now more and more young people are hot-headed, the more they owe loans, when they are unable to repay, when others call the collection ** and say that they want to come to the door, are they panicking? How to tell if a collection is coming to your door? How much does it take to collect from the door?

This depends on what platform it is, if you don't owe much, pay it back quickly!

Obviously, in terms of amount alone, the more amount that is overdue, the more likely it is to come to the door to collect it. Generally speaking, if the overdue is between $5,000 and more than $10,000, the likelihood of door-to-door collection is higher.

Of course, this depends on whether or not the platform has any intention of coming to the door, and there are many factors that can influence this decision. For example, as policy controls have become more stringent, most platforms have basically abandoned door-to-door collection in favor of collection.

There are also some platforms that are not formal and do not dare to collect or sue, so even if a large amount of 80,000 to 90,000 yuan is owed, it is possible that it will not come to the door, so there is no standard amount to determine.

Generally, it will not come to the door, unless it is a large amount, and it is basically a third-party collection company for collection, and it is difficult for you to distinguish whether others are really coming to the door or fake to collect from the door.

In fact, for the loans of banks and formal institutions, there is no need to be afraid of being nervous, just cooperate with them to investigate. It's just that he didn't deliberately pay it back, and he will eventually come up with a plan for negotiation.

If you borrow an online loan shark, don't be afraid, just call the police to deal with it. It is estimated that this kind of loan shark in the early stage has already exploded your address book.

The most worrying thing is to borrow local offline loan sharks, which will be more troublesome. Although they don't dare to be blatantly violent now, the damage to us is still big enough that they will live in fear every day, and their families will be harmed.

It's not true, it's just a means of collection, and I want to increase the psychological pressure on the borrower.

1. Generally, after overdue, if it is a credit card, there will be three months of time to communicate with you, and these three months are very important, because it is the bank's internal personnel to collect, and it is not transferred to a third party for collection, so there will be no such situation, but if it is after three months, it may come to the door, or it may not, mainly depends on your attitude of communication with the bank.

2. It's not terrible to come to the door, you can record and video the whole process, the state stipulates that it is illegal for a third party to enter the home without the consent of the resident, and you can call the police to deal with it, now the state is very serious about the anti-crime and evil, so don't worry, you can communicate with him well, and you can also go downstairs to explain the situation.

3. After coming to the door, remember not to believe the words of the collector, or let you sign any information, or you admit when to repay, if you have agreed, but you have not done it later, the bank has the power to sue you again, quite you are the second overdue, so you must review it clearly.

4. A series of problems will definitely occur after the deadline, but I hope you can have a good attitude to face it, and more importantly, to speed up your income, and it is best to be able to repay the loan as soon as possible.