The loan owed 160,000 yuan could not be repaid, and the loan owed 120,000 yuan who had been sued

1. The loan arrears of 160,000 yuan cannot be repaid

First of all, Sesame Credit must be on the blacklist, and you can't use ant borrowing in the future, and you may be sued if the amount is large. At the same time, if you don't pay it back, you will also go to the credit report of the People's Bank of China, and the processing of loans and credit cards will be affected in the future. Moreover, borrowing will not also incur penalty interest, and the longer it is overdue, the higher the penalty interest.

Second, borrow

"Borrow" is a loan service launched by Alipay, and according to the different sesame scores, users can apply for different loan amounts. The maximum repayment period of the loan is 12 months, and the daily interest rate of the loan is to borrow and repay at any time.

3. Risks of online lending

1. The virtuality of online transactions leads to the inability to verify the credit status of both borrowers and borrowers, and it is easy to cause fraud and default disputes such as non-repayment of arrears.

2. Among the large number of lender information released by online platforms, many of them are issued in the name of "loan companies" and "financing companies". In fact, only financial institutions approved by the state can engage in financial services such as credit financing, and those who engage in financial activities without authorization will often be held legally responsible for "illegally raising funds" and "illegally attracting deposits from the public" and disrupting the order of financial management.

3. If the loan is issued on behalf of the online platform, there may be a situation of fabricating loan information and illegally raising funds in the case of the online platform's negligence in self-discipline, or the failure of internal control procedures, or the use of others.

Fourth, the problems of online loans

1. There is no way to follow.

The interest rate of online lending sometimes far exceeds the prescribed interest rate, and in the event of an economic dispute, the lender is unable to protect this part of the interest.

2. Easy to be old.

Because of the lack of a bank's integrity system, late repayments often occur.

3. Crime space.

"Bad debts" often occur in online lending, and some are even suspected of economic fraud. In addition, online lending can easily become a tool for "illegal fundraising".

Legal analysis: If the amount of arrears reaches more than 10,000 yuan, you may be sued.

The loan amount ranges from 1,000 to 300,000 yuan, and if the overdue amount exceeds 10,000 yuan, then the arrears are considered to be more egregious. If the borrower is still unwilling to repay the arrears as soon as possible after receiving SMS reminders and reminders from the borrowing staff, Ant Financial will freeze the borrower's borrowing account. Then send a reminder letter to the borrower and prepare to sue the borrower in the local court.

Legal basis: Article 668 of the Civil Code of the People's Republic of China The loan contract shall be in written form, unless otherwise agreed upon in the loan between natural persons. The content of the loan contract generally includes the type of loan, currency, purpose, amount, interest rate, term and repayment method.

Civil Procedure Law of the People's Republic of China》 Article 241: Where the person subject to enforcement fails to perform the obligations set forth in the legal documents in accordance with the enforcement notice, he shall report on his current property situation and the year prior to the date of receipt of the enforcement notice. Where the person subject to enforcement refuses to report or makes a false report, the people's court may fine or detain the person subject to enforcement or his legally-designated person, the principal responsible person of the relevant unit, or the directly responsible personnel on the basis of the severity of the circumstances.

First of all, users can try to negotiate repayment, don't just leave it alone, explain the situation to the customer service after the loan, show their willingness to repay and repayment ability, even if they can't apply for relief, they can postpone it.

Borrowing is a credit product launched by the Alipay platform, and you may be sued in addition to credit investigation after overdue. If the borrower is unable to repay, first of all, the user can try to negotiate the repayment, don't just leave it alone, explain the situation to the customer service after the loan, show your willingness to repay and repayment ability, even if you can't apply for a reduction or exemption, you can postpone it.

Of course, the specific negotiation results vary, some users met the expected requirements of the cover, and some were rejected outright. Secondly, the user needs to find other income**, and it is only possible to dispose of the debt when they have the funds in hand. Users can use the grace period given by the platform to earn money, and then they can repay part of it first, so that the debt will be reduced, and the platform will also recognize the user's repayment attitude.

Finally, if the user can't negotiate and can't be reduced or deferred, then it's good to find relatives and friends to find a way to make up for it first, and then go to work to increase income ** repay relatives and friends. However, this point is relatively high for the user's personal credit requirements, if you are often untrustworthy, then it is likely that you will not be able to borrow.

If you can't repay a few thousand yuan a month by borrowing 50,000 yuan, Liang Xian can try to borrow money from close family and friends around him to pay it back.

Find relatives and friends to borrow money to discuss the repayment time, and do not charge interest, and wait until the arrears are paid off, and then the funds are abundant, and then repay the money to relatives and friends.

If you really can't afford to pay it back, it is recommended to take the initiative to contact Alipay customer service to explain the situation, and you can provide certain supporting information to prove that you really do not have the ability to repay, and you do not deliberately do not repay it (such as the certificate of termination of the labor contract, unemployment certificate, etc.), and then you can try to apply for an extension of the repayment period and make a second installment of the arrears.

As long as it is not maliciously overdue, Alipay will generally consider it at its discretion.

If the negotiation of the second instalment is successful, then the repayment can be made on time and on time according to the new repayment plan.

At that time, there should be no need to repay thousands of dollars per month, the term will become longer, the monthly payment will naturally decrease, and the repayment pressure will be reduced.

However, it should be noted that it cannot be overdue any longer, otherwise the payment of Slag Dabao is likely to cancel the second installment and require a one-time payment.

It only needs to be in: Xiaoqi Xincha. Click on the query, enter the information to query your own credit data, query your personal credit situation, online black index score, blacklist, online loan application records, application platform type, whether it is overdue, overdue amount, credit card and online loan credit estimate and other important data information.

Extended information: Can I repay the full amount in advance after borrowing in installments?

After the borrower applies for the loan, he can choose to repay the loan as agreed, and if the economy allows, he can also repay the loan in advance, but the early repayment can only repay the entire bill, not only a part of the early repayment, which also needs to be noted.

When repaying the loan in advance, the lender will only generate interest for how many days the loan is actually used, and the early repayment will not charge more interest and will not incur additional handling fees.

After applying for a loan, the lender can repay the loan in advance but cannot postpone the repayment and negotiate the repayment, and the lender must repay the loan on time and in full in accordance with the requirements of the loan contract after applying for the loan.

In order to avoid a series of bad consequences after overdue, lenders should think clearly when applying for loans, do not borrow more than their own repayment ability, do not blindly borrow, and avoid too much repayment pressure in the future.

If the loan arrears of 160,000 yuan cannot be repaid, you can negotiate with the creditor to extend the repayment period or repay the loan in installments. 1. How to negotiate repayment with the borrower? If we are unable to repay the loan before the repayment date, we can take the initiative to contact the customer service of the platform "Ant Finance" to indicate our current situation and hope to delay the repayment.

If it is overdue, and we can't afford the high fines and interest, we can still find customer service and say that we can repay the loan in installments, and we can communicate a plan with each other. After the negotiation is fruitless and the expectation has been on the credit report, we can temporarily put this matter on hold, and wait for the platform outsourcing personnel to take the initiative to contact them in the future, generally at this time, the so-called fines and interest can be reduced (or may be a part), at this time in repayment can reduce their own pressure. When negotiating with the platform, it is best to issue your own salary certificate and bank card statement, so that when communicating with the platform, the other party will think that we are willing to repay and have a sense of repayment, and generally will not report the credit information, of course, here you need to negotiate before the deadline.

After the deadline, when we first negotiated with the platform, the general answer was more official, and the other party would only urge us to repay, but 80%.

No specific scheme will be given. If you don't negotiate with customer service, pay back a little in the overdue amount every week, as long as you can stick to it, the other party will not have an outsourced person to negotiate with **, and the platform will also default to this repayment method.

1. According to the latest credit system of the country, the borrower can communicate and negotiate with the platform through formal legal channels, and the loan can be divided into 2-5 years of deferred repayment, but the overdue loan is divided into three situations, such as short-term overdue, the platform will send a collection SMS and call for collection**; If it is overdue for a long time, the platform will expose the address book; If you continue to overdue, the collection agency will contact you, and the overdue record will be synchronized to the personal credit report, which will have a serious impact on your life.

At the same time, according to the laws of our country, ordinary civil disputes cannot be handled by criminal means. In other words, if the loan is overdue and not repaid, the possibility of going to jail is still very small, but if it is a malicious default and does not repay 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, there will also be penalty interest, and the longer it is overdue, the higher the penalty interest! But in the final analysis, it is still a civil dispute, and it will not lead to jail, unless you have the ability to repay and deliberately default or violently refuse to pay, then the nature is different.

No! Any loan product overdue is just a civil dispute and no criminal liability! Even if the overdue amount of the credit card is more than 50,000 yuan, and there is malicious subjectivity, it will become a credit card fraud!

However, there will be the following consequences.

First, the Alipay system reminds the repayment.

If you owe 40,000 yuan and do not pay it back, the first thing is that the system will continue to remind you to repay, the system has recorded all your bill records, and has not been repaid until the repayment time, the system is not tired, and will remind you to repay every day.

2. Official manual reminder of repayment.

Then, that is, the official staff of Alipay will ** you recall, when the system reminds you, has not repaid, then the information will be automatically sent to the manual, manual review processing, will give you ** recall, as long as it is overdue, the system will be according to the contract, every day to charge the overdue interest rate.

3. The system lowers the Sesame Credit score and restricts the use of other functions of Alipay.

At the same time of manual repayment, if you still do not repay, the official will close many other aspects of your Alipay functions, if it is serious, it will directly freeze your Alipay account, thus affecting daily use. And the system will reduce the Sesame Credit score, or directly turn off these functions such as Huabei borrowing.

Fourth, if you don't pay it back, you will eventually be sued by the court and put on the credit blacklist.

If the manual urging is not successful, the official will finally sort out the information, the court sues you, this is also the last resort, but also a step that everyone does not want to see, if you receive a court lawsuit, after the judgment takes effect, if you have not repaid, it is possible to seize your family property, and on the personal credit report, blacklisted, if it is serious, it will be included in the list of lai, there will be various restrictions, such as restricting high consumption, etc., it is still very inconvenient for life.

Summary: Today is the era of credit, and there is no way out to be a lai. Therefore, whether you are borrowing personal money or taking out a loan on a corporate platform, bank or other places, you must maintain a good habit of repaying on time, do not repay on time, and do not hold on to repayment.

Like this netizen borrowed 70,000 yuan from Alipay, of course, it is better to pay it back in a hurry, otherwise it will receive system and manual repayment, and affect the payment of the final credit sesame points, and in the end, if you don't pay it back, you will receive a court lawsuit, and go to the credit blacklist, the gains outweigh the losses.

Yes. This is the same as a bank loan, and you need to be legally responsible. Let's find a way to pay it back.

If you don't repay the money, going through the legal process will also have an impact on your personal reputation, future loans, employment, and even the credit of your friends in your address book. If the long-term collection fails, the borrower will transfer the debt to the debt company, and if the amount is large, it will also be transferred to the legal company to sue you.

Summary. After all, if the other party is sure that you are not ready to repay the money at all, they can choose to go to court to sue you for this loan, because you have a contract on your side, so the possibility of the other party winning the lawsuit is very high. You'll have to pay it back, which wastes time and ends up the same.

Rather than going to the court in the end, it is better to communicate with the other party as soon as possible when there is still a negotiation.

The loan arrears of 160,000 yuan could not be repaid.

Hello, I am a partner lawyer of the platform and have received your question.

In fact, generally speaking, since you have taken out a loan before, you must have been short of money. And in the past two years, because of the epidemic, everyone's income has indeed decreased. Your situation is understandable.

But when it comes to loans, from a legal point of view, you are always responsible for repaying. Even if you can't pay off the overdue amount at the moment, or you can't pay off the overdue amount requested by the other party, you need to at least make an attitude of being willing to repay it to the other party.

After all, if the other party is sure that you are not ready to repay the money at all, they can choose to go to court to sue you for this loan, because you have a contract on your side, so the possibility of the other party winning the lawsuit is very high. You'll have to pay it back, which wastes time and ends up the same. Rather than going to the court in the end, it is better to communicate with the other party as soon as possible when there is still a negotiation.

If you go to negotiate, you can talk about your situation first, and say that you are willing to pay it back, but you can't come up with the money at present. Negotiate a repayment plan with the other person and pay back a portion of it each month if you can afford it. In this way, you can not only avoid being collected or sued by the online loan company, but also better arrange repayment on your side.