Legal Aid for Online Loans, Legal Aid for Online Loans

In fact, online loan arrears do not fall within the scope of legal aid.

However, under special circumstances, if it is confirmed that the bill amount of the loan has exceeded the borrower's ability to repay, and the borrower still has the willingness to repay and the ability to repay in the later stage, the lender can negotiate with the borrower on an equal footing and sign a personalized installment repayment agreement.

In addition, borrowers need to be reminded that those who owe a lot of online loans and fail to repay them after the deadline may be included in the credit list, and those suspected of a large amount may be prosecuted.

For loans that are not on credit information, the legitimacy of their lending business is mostly unclear, and the cost of litigation in different places is too high, and the annual interest rate of more than 36% is usury, which is not legal in itself, and generally has no time to sue you, even if you win the lawsuit, you can only ask the borrower to return the principal and legal part of the interest.

Each company is different, and a small part of the overdue 3,000 will be sued.

However, this overdue time is basically at least half a year, and it has been in arrears and has no result in recovery.

After the loan is overdue for a long time or deliberately not repaid, and the amount exceeds 2,000, it can already constitute the crime of fraud.

For overdue fees, different online lending platforms have different names and different charging standards.

Whether it's called overdue penalty interest, overdue management or other various names, the fees are very high.

Many people become blacklisted for online loans after they are overdue, but they don't know that in addition to overdue, long loans will also be included in the online loan blacklist if they are not good, you can go on: Puxin check, detect their own long loans, long loans are mainly the recent application of individuals in lending institutions, it is recommended that you can slow yourself down first, stop all loan-related operations within three months, and the natural risk index will be reduced after three months, and the blacklist will be eliminated.

Extended Information: Is it true or false to help with online loans online?

Fake, not worth believing, the so-called online loan onshore rescue agencies are actually traps, just imagine who will unconditionally help strangers solve debt problems.

After all, many online loan onshore rescue agencies are working to help introduce borrowers who can borrow money quickly, so that borrowers can earn money to pay off their debts as soon as possible.

Common brushing orders to earn commissions, playing games to make money, etc., these are by the borrower first put money into it, many people have invested a little money in the first few times do earn, the other party will invest more to earn more, and so on after a large amount of money will naturally lose, and then the other party is also missing, this situation even a fool knows that it is the best way.

There are also people who say that there is a way to get a low-interest loan, just let you provide personal information, and the follow-up will be charged for various reasons, such as handling fees, guarantee fees, deposits, etc., and the money has not been given for a long time without seeing the loan down, and no one has replied to the other party when you contact the other party, and the debt has not been solved and a lot of money has been put in.

In short, there are no wonders in the Internet world, and no one knows whether an angel or a devil is connected to a network line, so don't easily trust any stranger on the Internet, otherwise you may not be able to solve the existing debt problem, but will make your own economy worse.

If you simply owe an online loan, it does not fall within the scope of legal aid.

If you encounter violent collection due to online loans, it is recommended to call the police ** for help first.

It is important to note that in order to be eligible for legal aid, the applicant must meet both of the following criteria:

1. The family's economic situation meets the city's standards for financial hardship for legal aid recipients.

2. The application is within the scope of legal aid matters.

Legal basis: Article 31 of the Legal Aid Law: Parties to the following matters who do not have a client due to financial hardship may apply to a legal aid institution for legal aid:

1) Requesting state compensation in accordance with law;

2) Requests for social insurance benefits or social assistance;

3) Request for the payment of a bereavement pension;

4) Requests for alimony, child support, or alimony;

5) Request for confirmation of labor relations or payment of labor remuneration;

6) Requests for a determination that citizens lack or have limited capacity for civil conduct;

7) Request for compensation for personal injuries caused by work-related accidents, traffic accidents, food and drug safety accidents, or medical accidents;

8) Requests for compensation for environmental pollution or ecological damage;

9) Other circumstances provided for by laws, regulations, or rules.

Legal analysis: It is generally not possible to apply for legal aid for contract disputes, of course, this also needs to be seen in conjunction with specific cases. Only those who meet the characteristics of applying for legal aid and legal aid can apply for legal aid.

In accordance with relevant laws and regulations, the Legal Aid Center will not provide legal aid for the following cases or matters, including:1Civil litigation or criminal private prosecution cases arising from the applicant's fault liability infringing on the legitimate rights and interests of others.

2.Administrative litigation cases arising from the fault of the applicant. 3. Cases in which the applicant cannot provide relevant evidence related to the litigation case and cannot investigate and collect evidence.

4. Matters that can be handled by administrative organs without going through litigation procedures. 5. The facts and legal procedures of the case are simple, and there is usually no need to hire legal service personnel. 6. Cases in which legal remedies have been exhausted.

7. The applicant fails to provide any supporting materials or issues false certificates to obtain legal aid by fraud. 8. Other cases that have been approved by the competent authorities and the Legal Aid and Hail Center has declared that they will not be accepted.

Legal basis: "Criminal Procedure Law of the People's Republic of China" Article 35: Where a criminal suspect or defendant has not retained a defender due to financial hardship or other reasons, he or her close relatives may submit an application to a legal blind chain aid organization. Where the requirements for legal aid are met, the legal aid institution shall appoint a lawyer to provide them with a defense.

Where a criminal suspect or defendant is blind, deaf, or mute, or a mentally ill person who has not completely lost the ability to recognize or control his or her own conduct, and has not retained a defender, the people's courts, people's procuratorates, and public security organs shall notify the legal aid institution to appoint a lawyer to provide them with a defense. Where criminal suspects or defendants might be sentenced to life imprisonment or death, and have not retained a defender, the people's courts, people's procuratorates, and public security organs shall notify the legal aid institution to appoint a lawyer to provide them with a defense.

Legal aid for online loans is to apply for legal aid if you file a lawsuit and there is no way to hire a lawyer due to financial difficulties. The online loan is not overdue, and users can take the initiative to negotiate a postponement of repayment. The negotiation also requires that the balance of the bad money generally occurs after the overdue date, and the user can apply for a deferment of repayment if there is no overdue payment.

As for whether the extension can be successful, it is subject to the reply of the online lending institution. Generally speaking, unless there are special circumstances, the online lending institution will not agree to the user's deferred repayment, and the user needs to repay the loan according to the original plan if the negotiation fails.

After the online loan is overdue, the overdue record will be on the credit report and online loan big data, so that personal credit and online loan big data will be negatively affected. In order to maintain personal credit, it is necessary to pay the arrears on time. However, there is an option to postpone repayment for online loans, so users can postpone the repayment of arrears after that, without negotiating with online loan institutions, and choose to postpone repayment on the repayment page.

As for the overdue date of the online lending institution, the user is unable to repay the loan, then the user can apply for negotiation for repayment, and the negotiation will not have a negative impact if the negotiation succeeds or fails. A successful negotiation will help the user pay off the arrears as soon as possible, while a failure of the negotiation will make it more difficult to pay off the arrears.

1. What are the requirements for the loan.

1. The loan term of the new housing loan shall not exceed 30 years, and the loan term of the second-hand house shall not exceed 20 years; The loan amount is 70% of the appraised value of the house; The loan interest rate shall be implemented in accordance with the loan interest rate of the same grade for the same period stipulated by the People's Bank of China, and the benchmark annual interest rate is.

2. Housing mortgage conditions: the life of the house is within 20 years; The size of the house varies from bank to bank; The house should have a strong ability to liquidate; Generally, commercial housing, apartments, shops, and office buildings are required. Real estate mortgage loans, generally need to be handled through a professional real estate guarantee company, real estate balance mortgage has become an important means of residents' personal real estate financial management, through the mortgage loan to meet the temporary consumer demand or even business needs, in order to revitalize the real estate held by residents, and in a variety of financing channels, real estate mortgage is still one of the lowest cost methods.

According to the data provided by the World Bank, the first wholly foreign-owned real estate guarantee enterprise in China, nearly 3% of the real estate mortgage loans are used to buy houses again, and other purposes account for a relatively high proportion of business purposes, car purchases, study abroad and immigration, decoration and purchase of bulk consumer goods.

3. Requirements for applying for loans.

4. Real estate certificate.

5. ID card of the right holder and spouse.

6. The household registration book of the right holder and his or her spouse.

7. Marriage certificate of the right holder (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau).

8. Proof of income.

9. If the owner of the real estate certificate has a minor child, please provide the birth certificate.

According to relevant laws and regulations, the legal aid center will not provide legal aid for matters including: 1. Civil litigation or criminal private prosecution cases arising from the applicant's fault liability infringing on the legitimate rights and interests of others; 2. Administrative litigation cases caused by the applicant's fault; 3. Cases in which the applicant cannot provide relevant evidence of the case involved in the litigation and cannot investigate and collect evidence; 4. Matters that can be handled by administrative organs without going through litigation procedures. 5. The applicant issued false certificates to obtain legal aid by fraud; 6. Creditor's rights and debts disputes where the subject matter of the litigation is less than 3,000 yuan.

Article 10 of the Legal Aid Regulations: Where citizens have not retained a person to be retained for the following matters that require **, due to financial difficulties, they may apply to a legal aid institution for legal aid: (1) Requesting state compensation in accordance with law; (2) Requesting social insurance benefits or minimum livelihood security benefits; (3) Requests for the payment of bereavement pensions or relief funds; (4) Requests for alimony, child support, or alimony; (5) Requesting payment of labor remuneration; (6) Asserting civil rights and interests arising from acts of righteousness and courage. The people** of provinces, autonomous regions, and directly governed municipalities may make supplementary provisions on legal aid matters other than those provided for in the preceding paragraph.

Citizens may apply to legal aid institutions for legal advice on matters provided for in paragraphs 1 and 2 of this article.

I don't know the specific teleline jargon number of Online Loan Legal Aid**. However, you can get legal assistance in the following ways:1

You can call the 12348 People's Mediation Committee** to consult and ask professional staff for help and find out how to protect their rights and interests. 2.If you need legal assistance for your problem, you can apply for legal aid by calling the Legal Aid Centre of the Dangchen Judicial Bureau.

The Legal Aid Center will provide you with legal advice and services. 3.If your problem involves an online loan dispute, you can contact your local online loan dispute resolution center for help.

The responsibility of the Online Loan Dispute Mediation Center is to provide fair and efficient dispute resolution services for both parties, so as to achieve the purpose of safeguarding the legitimate rights and interests of both parties. Hope it helps!