How to deal with the malicious collection of Ant Huabei borrowing?

They can all complete a loan task, through borrowing and then repaying, but there is a certain amount of interest, if they are not repaid within the time limit, they should be sued, but some people say that they will receive malicious collection information, is it really so scary? In fact, the relevant lending business in Alipay has such malicious collection behavior. <>

1. How to deal with the malicious collection of Ant Huabei. Ant Huabei's malicious collection behavior is illegal, and they should collect through the official formal platform, not malicious collection, threatening to send text messages and other behaviors, which are against the law. As a victim, he or she has the right to take evidence and then make an accusation.

Therefore, in the face of malicious collection, you must keep the evidence, even if you borrow money and do not pay it back, but the behavior of malicious collection is still inappropriate. For some people, don't swallow your anger in the face of malicious collection, and dare to protect your rights through the CBRC and the corresponding regulatory authorities. <>

2. Ant Huabei borrows overdue repayment. There is a corresponding repayment date for Ant Huabei borrowing, and if it is overdue, the interest will increase again, so if you must consider whether you have the ability to repay before borrowing, if you are not able to repay, don't go ahead of your own consumption.

Because advanced consumption will only damage your credit, and your work and life and study will be greatly affected. In addition, most of today's young people will choose to borrow Huabei for consumption, which has brought some debt burden to young people and damaged China's economic development potential. <>

3. How to be collected for overdue repayment? The correct collection of overdue repayment should be notified through the formal platform, and then through the court's complaint, after the court's lawsuit, and then judged, so that it is a formal collection method, and most of the costs incurred in this process are borne by the losing party. If the payment is overdue, the court will generally impose a sentence, and if the payment is not made, then the real estate will be confiscated.

I think you should stay calm when facing malicious collections, because they are just asking for money, and there is generally no personal harm.

I don't think Jack Ma will send a reminder to kill people because of such a small amount of money.

You should call the other party immediately, and you should pay back the money immediately, so that the other party will not continue to urge you.

Summary. Hello, it is an honor to serve you: the collection channels for complaints about Alipay Huabei are:

1. You can choose to open the setting option in Huabei and click to make a complaint. 2. You can complain to Alipay's manual customer service: call customer service** to go to the local banking and insurance regulatory bureau to complain.

Hello, I am honored to serve you: The collection channels for complaining about Alipay Huabei are: 1. You can choose to click on the setting option in Huabei and click to make a complaint.

2. You can complain to Alipay's manual customer service: call customer service**You can go to the local Banking and Insurance Regulatory Bureau to complain about the empty grip. 4. You can search for the official ** of the National Banking and Insurance Regulatory Commission to complain.

Hello, Alipay's service time is 24 hours. The customer center will respond to complaints raised by customers within 1-3 working days. Yes, we will notify the customer by Boxiang SMS to keep the ** unblocked, and continue to contact you on the second working day to solve the problem you complained.

Hello, under the regulations of the relevant departments, collection is not illegal, but it needs to be based on the actual situation. If the other party's collection is accompanied by threats and abusive words, then it is a kind of illegal behavior, and you can choose to report to the police for this form of collection. Finally, in order not to affect the credit investigation, please make sure that you repay the loan within the time limit specified in the repayment period.

Then hurry up and pay it off.

Huabei, whose full name is Ant Huabei, is a consumer credit product launched by Ant Financial, and after applying for opening, you will receive a consumption quota ranging from 500 to 50,000 yuan. When consuming, users can advance the amount of Ant Huabei and enjoy the shopping experience of "consume first, pay later".

On August 4, 2016, Ant Huabei's consumer credit asset-backed ** project was listed on the Shanghai ** Stock Exchange, which is also the first Internet consumer finance ABS on the Shanghai Stock Exchange.

As of January 2018, Ant Financial has taken the initiative to increase the capital of two microfinance companies by 8.2 billion yuan, increasing the registered capital from 3.8 billion yuan to 12 billion yuan. On May 18, Huabei announced that it would be open to banks and other financial institutions.

On September 22, 2021, Huabei has been connected to the central bank's credit information system, and it will not be available if the user refuses to access it.

Ant Huabei has been officially launched since April 2015, mainly used for shopping on Tmall and **, and has been loved by the majority of consumers, especially post-consumers. In order to better serve consumers, Ant Huabei began to break the restrictions of shopping platforms and expand its services to more online and offline consumption areas.

Ant Huabei has only been online for half a month, and more than 1.5 million merchants have opened Huabei on Tmall and **. Many merchants who respond faster have begun to modify the description of the baby and directly add the words "support Huabei", in order to attract consumers more accurately. The person in charge of Durex Tmall*** told reporters that for new users of Ant Huabei, a product specially launched sold more than 10,000 copies a day, and the inventory was sold out for a week.

The data shows that after merchants access Ant Huabei installment, the transaction conversion has increased by 40%.

During the 2015 Double 11 period, Ant Huabei gave full play to its product capabilities of worry-free payment, with a total of 60.48 million payments throughout the day, accounting for the overall transactions of Alipay.

In 2017, Huabei exclusively titled "Super Dimensional Idol".

1.I received a reminder from Huabei**, and I will repay the loan in time within the next three days without any penalty fee;

2.You can borrow money to pay it back first, and then take it out (or brush it out)3If you continue to not repay in the next few days, heheda, there is a rate deducted every day, I remember it was like a thousand five;

4.It is also possible to repay the loan in a timely manner and then take it in time;

5.If you use Huabei often, the quota will increase!

It's what you expected, so go and pay it back as soon as possible.

Legal Analysis: No. Most of the disputes between Ant Huabei and users are ordinary contract disputes, and China's law stipulates that ordinary civil disputes cannot be handled by criminal means.

In other words, if Huabei fails to repay within the time limit, the possibility of going to jail is still very small, but if it is a malicious default and does not pay it back for a long time, then the consequences will be different. The first choice Sesame Credit is definitely on the blacklist. In the future, you can't use Ant Huabei and borrow, and if the amount is large, you may be sued.

If you don't repay the loan, you will also go to the credit report of the People's Bank of China. In the future, the processing of loans, credit cards, etc. will be affected. At the same time, penalty interest will also be generated, and the longer the overdue period, the higher the penalty interest.

But in the final analysis, it is still a civil dispute, and it will not lead to jail, unless it is a deliberate default or violent refusal to repay if you have the ability to repay, then the nature is different.

Article 29 Where the borrower and the borrower have an agreement on the overdue interest rate, the agreement shall prevail, but the annual interest rate shall not exceed 24%. Where there is no agreement on the overdue interest rate or the agreement is unclear, the people's court may distinguish between different circumstances to handle it:

1) Where neither the interest rate during the loan period nor the overdue interest rate has been agreed, and the lender claims that the borrower shall pay the interest during the period of capital occupation at an annual interest rate of 6% from the date of overdue repayment, the people's court shall support it;

2) Where the interest rate during the loan period has been agreed but the overdue interest rate has not been agreed, and the lender claims that the borrower shall pay the interest during the period of capital occupation at the interest rate during the loan period from the date of overdue repayment, the people's court shall support it.

Article 30: Where the lender and the borrower have agreed on both the overdue interest rate and the liquidated damages or other expenses, the lender may choose to claim the overdue interest, liquidated damages or other expenses, or may claim them together, but the people's court shall not support the portion of the total interest rate exceeding 24% per annum.

If there is such a malicious collection, I will definitely report it directly, and I will also directly notify the relevant departments to check the legality of this Huabei borrowing.

I was in confinement I was intimidated and harassed by Ant Huabei to the point of depressive disorder** and now I'm taking medicine again** Nervous breakdown All kinds of intimidation and threats harassed me often have a mental panic.

I will borrow money from my relatives and friends to repay the money, and after I pay it back, I won't be called, and I can continue to use Huabei and borrow after I pay it back.

They will promise the other party that they will repay the loan accordingly, and they will borrow money from their friends and relatives.

I will say some nice things to the other party, and I will also tell the other party the specific time of repayment, hoping that the other party will not lose myself like this.

Try to pay off the loan before the collector sues you! Therefore, you must hurry up and borrow money from relatives and friends, otherwise the legal costs and legal fees of the case are also debts that you must bear.

Repay the loan as soon as possible, or just prepare to receive a summons and wait to appear in court**, otherwise what do you want, do you want to be a dishonest person subject to execution?