360 IOU apologizes, why is the advertisement complained about a large number of times?

The 360 IOU advertisement points to professions such as flight attendants and farmers, and uses vulgar and distorted concepts as the advertising content, which brings netizens a bad feeling, and it is also very exaggerated, which is false propaganda, which will lead to complaints from a large number of netizens.

This advertisement has a lot of false information, and there are a lot of routines, so there are many complaints.

Users are annoyed with ads. Too many ads affect the user's experience.

With the continuous development of social economy, in real life, we will encounter all kinds of problems, especially for the problem of whether we will be sued after borrowing on the 360 IOU, which also makes many friends very puzzled about this, in fact, we must know that if we borrow on the 360 IOU, the amount borrowed is not particularly high, then the 360 company will not sue us, but if we borrow a very high amount, then we may be sued.

First of all, we must understand that 360 IOU companies generally do not sue their users at will, unless their users owe a very high amount and do not repay for a long time, then 360 IOU companies will directly sue us at a large cost and require us to make relevant repayments, but generally in this case, it is due to our long-term non-repayment, and there is a big problem with our personal credit, so this situation will occur.

If we borrowed money on the 360 IOU, not much but one or two thousand, then under normal circumstances, the 360 IOU company will not sue us, and we have not encountered such a situation in real life, mainly because of the friends around us, although they have not repaid the money for a long time, but the money borrowed is not particularly much, and the 360 IOU company will not spend a lot of manpower and energy to sue, because once the lawsuit is filed, the time and cost required are very large. So most companies don't do such things.

To sum up, we can obviously know that when we encounter a 360 IOU in real life and the company sues us, it is generally because the amount of money we borrowed is too large, and this arrears are very important to the company, so we must return it, otherwise the IOU company will apply to the court to freeze our personal assets.

Of course not, because I never borrow money, but I have heard that some people have not repaid the money for a long time and have been sued, so 360 IOUs do have such rights, if you have money, you must pay it back in time, if you don't have money, you have to say hello to people and discuss how to solve it.

In fact, there should be a 360 IOU sued, because there are some people who will also violate the rules.

The money I borrowed in the shell shop is 360, and now I want to repay it in advance, what should I do.

Yes, as long as the payment is overdue for a long time, you may be prosecuted.

Legal Analysis: True. You can't repay in advance like Alipay borrowing and money to spend, the early repayment of these two is the interest calculated according to the number of days borrowed, and the rogue 360 IOU is an early repayment and also counts as holographic, legal basis: "Civil Code of the People's Republic of China".

Article 667 A loan contract is a contract in which the borrower borrows money from the lender and returns the loan at maturity and pays interest.

Article 668: The loan contract shall be in written form, unless otherwise agreed upon between natural persons.

The content of the loan contract generally includes the type of loan, currency, purpose, amount, interest rate, term and repayment method.

Article 669 When entering into a loan contract, the borrower shall, as required by the lender, provide the true information about the business activities and financial status related to the loan.

Harassed by 360 IOUs** The solution is as follows:

1. Call the report of Mobile, Lianmo Zhoutong, and Telecom, and report the number of 360 IOU harassment.

2. You can add the number that is 360 IOU harassment ** to the blocked number, and use various interception software to intercept and block **.

3. You can ask telecom and mobile customer service personnel to help you block the number, and you need to provide the corresponding supporting materials, and the customer service staff will assist in the blocking.

4. If there is a claim against the other party, you can apply to the people's court for arbitration, and take the 360 IOU harassment number as the defendant to claim the victim's losses.

Harassment Solution:

1. Don't easily tell others your ** number, and try to keep it public ** outside, so as to reduce the possibility of this kind of thing happening. In this regard, especially female friends must pay special attention.

2. If you receive harassment, you can remember the number, provide important clues to the public security organs, and then blindly look for the harassment in the public security organs.

3. In the case of harassing people who do not listen to advice, act arbitrarily, and are entangled, change their numbers in time, and at the same time call 110 to report to the police and let the public security organs deal with it.

4. Don't reason with the harasser, let alone agree to any request from the harasser, and don't give him a chance to go further. <>

Summary. If you are indeed sued, it is recommended that if you are indeed unable to repay, you should negotiate with the lending institution to extend the repayment period or repay the loan 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. 5. In cases where there is the ability to refuse to enforce the judgment, it is suspected of the crime of refusing to enforce the judgment or ruling.

Hello dear! How did the 360 IOU notify you?

I owe more than 70,000 yuan to the 360 platform for 3 months, will I be sued?

Dear, may I ask whether the 360 IOU sends a message to inform you or ** to notify you.

Did I get a court summons?

No, it's just a lawyer calling.

In this case, as long as you have not received a court summons stating that you have not yet filed a lawsuit, there is still room for negotiation.

You can make a repayment plan and negotiate repayment.

Thank you. If you are indeed sued, it is recommended that if you are indeed unable to repay, you should negotiate with the lending institution to extend the repayment period or repay the loan in installments. 2. If the loan registry sues Faliang and learns that the court judgment is not fulfilled within the performance period, 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. 5. In the case of refusal to enforce the judgment or ruling despite the ability, it is suspected of the crime of refusing to enforce the judgment or ruling.

First, the loans issued by the microcredit companies are not protected by the law, and only the loan companies with financial licenses issued by the China Banking Regulatory Commission can lend at a hidden loss, and the interest cannot exceed 4 times the national benchmark interest, and the excess is not protected by law.

Legal analysis: if the other party sues, if the debt is not repaid within the specified time limit, the court can enforce it, and at the same time need to bear double the interest on the debt, if the court rules that it has the ability to repay the debt, but refuses to repay, the court can be fined and detained according to the severity of the circumstances, and if it is suspected of committing a crime, it can be investigated for criminal responsibility.

Legal basis: Civil Procedure Law of the People's Republic of China

Article 242:Where the person subject to enforcement fails to perform the obligations set forth in the legal documents in accordance with the enforcement notice, the people's court has the right to inquire about the property of the person subject to enforcement, such as deposits, bonds, **, and **shares, from the relevant units. The people's courts have the right to seize, freeze, transfer, or sell the property of the person subject to enforcement according to different circumstances. People's courts must not inquire about, seize, freeze, transfer, or sell property beyond the scope of the obligations that the person subject to enforcement shall perform.

Article 243:Where the person subject to enforcement fails to perform the obligations set forth in the legal documents in accordance with the enforcement notice, the people's court has the right to withhold or withdraw the portion of the income that the person subject to enforcement shall perform on the obligations. However, the necessary living expenses of the person subject to enforcement and the family members he or she supports shall be retained. When a people's court withholds or withdraws income, it shall make a ruling and issue a notice of assistance in enforcement, which must be handled by the unit to which the person subject to enforcement, banks, credit cooperatives, and other units with savings operations belong.

Legal analysis: If a lawsuit is filed, it is recommended to actively prepare evidence materials to respond to the lawsuit. Of course, if you feel that you will inevitably lose the lawsuit after analysis, it is recommended to actively contact 360 to negotiate a repayment solution.

Legal basis: Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases

Article 3 Where the borrower and the borrower have not agreed on the place of performance of the contract or the agreement is not clear, and have not reached a supplementary agreement afterwards, and cannot be determined in accordance with the relevant terms of the contract or trading customs, the place where the party receiving the currency is located shall be the place where the contract is performed.

Article 4 Where the guarantor provides a joint and several liability guarantee for the borrower, and the lender only sues the borrower, the people's court may not add the guarantor as a co-defendant; Where the lender only sues the guarantor, the people's court may add the borrower as a co-defendant. Where the guarantor provides a general guarantee to the borrower, and the lender only sues the guarantor, the people's court shall add the borrower as a co-defendant; Where the lender only sues the borrower, the people's court may not add the guarantor as a co-defendant.

First of all, no matter which online lending platform says to sue, seven or eight times out of ten it will scare you, at least in the first instance. In reality, these loan companies rarely sue debtors, and they do not come to collect money, mainly telecommunications.

Secondly, if a lawsuit is really filed, it is recommended to actively prepare evidence materials to respond to the lawsuit. Of course, if you feel that you will inevitably lose the lawsuit after analysis, you can actively contact 360 to negotiate a repayment solution.

Whether the creditor will sue you depends on how much money you owe, how far away the other party is from you, and how high the cost of suing you is, that is, whether you are worth the money to sue, announce, and enforce.

Why is it not necessary to sue and the possibility of door-to-door collection is also very small - the reason is the same, the cost is too high. People are also doing business, and they are not fighting with you.

In addition, they usually use collection to blow up the address book. Blow you and your family's ** up, you don't have much to do. Those collection agencies blow up your address book, send messages to all your **contacts**, tell them that you don't pay off your debts, and even bother your contacts, let your contacts call you to ask what's going on, and put pressure on you, and it's hard for you to solve this kind of thing except to pay back the money.

Finally, although the court of domicile has jurisdiction, if you live outside the country for a long time, the jurisdiction should be vested in the court of your habitual residence. Therefore, it is unlikely that the other party will sue you, mainly by collection. To sum up, the other party has the right to sue, but whether it will sue depends on the willingness of the other party.

In the case of online loans, they are more likely to collect rather than sue.

Legal basis: Article 3 of the Provisions of the Supreme Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases Article 3 Where the borrower and the borrower have not agreed on the place of performance of the contract or the agreement is not clear, and no supplementary agreement has been reached afterwards, and it is still uncertain in accordance with the relevant terms of the contract or transaction customs, the place where the party receiving the currency is located shall be the place where the contract is performed. Article 4 Where the guarantor provides a joint and several liability guarantee for the borrower, and the lender only sues the borrower, the court may not add the guarantor as a co-defendant; If the lender only sues the guarantor, the court may add the borrower as a co-defendant.

If the guarantor provides a general guarantee to the borrower, and the lender only sues the guarantor, the court shall add the borrower as a co-defendant; If the lender only sues the borrower, the court may not add the guarantor as a co-defendant.

If the debtor is sued by a creditor, the debtor should actively respond to the lawsuit and actively reach a repayment agreement with the creditor. Otherwise, it is likely to be enforced.

Operating equipment: iPhone.

Operating system: iOS.

The specific operation steps of how to complain about a 360 IOU are as follows:

1. Turn on your iPhone. Click the icon (as shown in the figure below) 2. Call the complaint 360 IOU to complain**4006030360 explain the intention to the customer service staff, explain that you do not have the ability to repay for the time being, and provide corresponding information to support it, so as to show that you are not deliberately in arrears and do not repay, but are indeed unable to repay.

As shown in the figure below).

Introduction to the 360 IOU platform:

360 IOU is a consumer credit loan product launched by 360 Finance, which was launched in September 2016, 360 IOU is a safe, reliable, strict risk control loan platform, which is based on 360 big data to comprehensively assess the borrower's credit risk, payment habits, consumption, etc.

Determine different loan amounts and interest rates for borrowers, with loan amounts ranging from RMB 500 to RMB 200,000, and the system will adjust the loan amount according to the borrower's subsequent repayment and loan usage. 360 IOUs are overdue and do not repay overdue interest, the cost is relatively high, there is no clear interest rate standard, and they are harassed by collection, **, text messages, door-to-door, etc., and may be exposed to the address book, so that the people around you will also suffer, and the credit is not repaid on the credit report after the deadline, and it is the central bank credit, the overdue amount is large, and you may be sued. <>