Do I have to repay the money if the borrowing platform goes bankrupt?

First and foremost, even if the platform goes out of business, your debt relationship with the platform still exists. The failed platform may no longer be able to collect, but the lender can recover the money by virtue of the debt contract.

And, here are a few things you have to pay attention to!

First: Your bad record may be recorded in the credit bureau, especially if it has recently been integrated. Microfinance also has its own credit platform. When someone borrows, their information will be recorded on this platform, including whether to repay the loan.

Second, you can't borrow money from other platforms. As long as you are labeled as "overdue for repayment", there is a high probability that your subsequent applications for other online loans will be rejected. The other party can find out the "glorious history" of the money you owe and do not repay through the big database, and thus be included in the loan rejection list.

Third, get into a lawsuit. Whether the platform goes bankrupt or not does not affect the debt relationship between you, that is to say, as long as there is a loan agreement, the arrears should be repaid on time and in full, and if they are not repaid, the other party can recover the arrears through litigation or online arbitration.

Therefore, Dr. Kang told everyone that because the platform has gone bankrupt, you can get away with it and feel that you don't want to pay back!

However, when the platform goes out of business, who should we pay back the money?

First of all, why these platforms have failed is divided into three situations.

1) The platform is taken over by other platforms, that is, the boss is changed. This situation shows that the platform has only been swallowed up by other platforms because of a little problem, and you have to pay it back. The platform's lending channels, such as **, APP, and applet, can resume operation immediately, and the borrower will be notified if he fails to repay the loan on time.

2) If the platform fails to collect the money and goes bankrupt after a serious violation, this situation does not mean that there is no need to repay the money. We know that the funds released by the online lending platform are mainly financial institutions such as investors, self-operated funds, shareholders, and banks. Therefore, no matter where the funds come from, your borrowing is the most valuable, that is, you can find your debtor, and you still have to pay off the debts that the creditors recover from you, even if the funds are ordinary investors, the court or the investigation will collect the debts from you on their behalf.

3) The platform is required to rectify, although it is a little lighter than the previous one, but it is also related to the company's financial problems, which may be affected by the bid interest rate or delayed payment, etc., and will not affect the repayment problem. If it is rectified because of the platform's loan sharking, you can apply for a loan interest rate higher than 36% to be repaid, or negotiate a mutually acceptable figure to repay it.

In the end, it's still the same sentence, don't take chances, and pay it back as soon as you have money.

If the online loan platform goes bankrupt, the money still has to be repaid, and if the money is not repaid, it will lead to overdue, and you need to bear the following consequences.

1. Leave a credit stain on the credit report.

Even if the loan platform goes bankrupt, it does not mean that the debt relationship will disappear, and failure to repay the money will affect the credit investigation and leave a stain.

2. Collected by the lending institution.

After the loan is overdue, in order to protect its own rights and interests, it will definitely contact the lender and urge the lender to repay the loan as soon as possible.

3. Overdue penalty interest.

After the overdue, there will also be overdue penalty interest, and the longer the overdue time, the more penalty interest will be generated, which will increase the debt pressure.

Therefore, even if the platform goes bankrupt, you also need to repay the loan in a timely manner according to the agreement, if you can't find the world to quarrel with the repayment entrance, you can try to contact the platform to consult the repayment method, of course, the formal loan platform will be filed with the local financial department, you can also contact the relevant local departments to consult the debt solution, and you must not overdue.

When many people apply for an online loan, they will be told that it is a black account with insufficient comprehensive score, if it is not because of the black account caused by overdue, then it is necessary to find other reasons, such as whether the frequency of applying for online loans is too high, if it is not clear, you can check it in "Xiaoqixin Check". As long as you understand what causes you to become a black account, you can improve the big data of online loans according to the reasons.

Extended Information: Why are many loan platforms not approved?

The reason why the loan level search desk could not be passed.

Do not meet the loan age negotiation conditions.

Occupation is a college student.

Poor personal credit.

There is no stable job and income.

The personal debt ratio is too high.

There's something wrong with big data.

Unable to repay principal and interest.

There are cases of long lending.

If the above reasons occur, the user will not be able to pass the review of the loan platform.

Most loan platforms are reviewed by the system, and when users do not meet the loan conditions, they will be rejected soon after submitting the loan application.

After the microfinance platform goes bankrupt, the borrower still has to repay the money.

If the microfinance platform sends a loan to the borrower through legal means, even if it applies for bankruptcy liquidation, the borrower's debts need to be repaid, otherwise the microcredit platform will still file a civil lawsuit with the court. Once the court decides in favor of the microfinance platform, the borrower must pay off all outstanding amounts and late fees by the date specified in the judgment base. If the individual refuses to repay the loan, the property in the individual's name may be frozen and closed by the court in accordance with legal procedures, and the property that can be auctioned will be auctioned to repay the arrears of the microfinance platform.

In addition, due to the borrower's refusal to obey the court's judgment, the borrower's information may be included in the national list of dishonest persons subject to execution, which will seriously affect personal credit and daily life.

Legal analysis: From the legal level of repentance, even if the platform disappears, the money owed must be repaid. If the platform borrowed by the borrower is a formal platform, an online contract will be signed when applying for a loan, which is protected by law.

In addition, the borrower's money does not come from the wind, but belongs to the investor and the lender.

Legal basis: Civil Code of the People's Republic of China

Article 7: Civil entities engaging in civil activities shall follow the principle of creditworthiness, uphold honesty, and abide by their promises.

Article 8: Civil entities engaged in civil activities must not violate the law or violate public order and good customs.

Article 9: Civil entities engaging in civil activities shall be conducive to conserving resources and protecting the ecological environment.

Article 10: The handling of civil disputes shall be in accordance with law; Where the law does not provide for it, custom may be applied, but it must not be contrary to public order and good customs.

The failure of the online lending platform does not mean that the debt disappears, as long as the debt still exists, it needs to be repaid in accordance with the provisions of the contract.

The first reason for the collapse of the platform is that the platform changes hands, that is, it is taken over by other companies. To put it simply, the boss has changed, and it may be that the original platform is not well managed and can only be swallowed up by other platforms. After the annexation, the benefits of the platform have been transferred to the new platform, and the WeChat ***** of the previous platform will also resume operation in the short term, so that the borrowed money still needs to be returned.

Moreover, the contract signed between the user and the platform is still valid, and if the money is not repaid, it is illegal, and the user will be punished by law.

The second reason is that the online lending platform has been cleaned up by the relevant authorities for serious violations of regulations. In the face of this situation, many users will be blindly happy, thinking that it is the fault of the platform and that they do not have to repay. In fact, this is not the case, even if the platform violates some regulations and is cleaned up, but this is only the relationship between the platform and the inspection agency, and has nothing to do with users.

The user is a contract signed with the platform, which has legal effect, and even if the platform is gone, they still need to repay the loan within the time frame according to the provisions of the contract.

The third reason is that the platform was required to rectify by the supervision department. The platform that is required to rectify generally has two situations, the first is that the platform's own operating procedures are problematic, and the lending process cannot be carried out smoothly. This situation is just that the platform itself has not set up its own process, and it has nothing to do with investors and borrowers.

As a result, the borrower still needs to make repayments. The second situation is that the platform violates the rules of usury, and we know that modern society is to crack down on this kind of behavior of usury. According to the regulations, if the interest rate exceeds 36 percent, it is considered usury.

In this case, the money still needs to be repaid, but the interest on the part that exceeds the standard line does not need to be repaid, or it is necessary to negotiate with the relevant personnel to determine an acceptable amount.

The online loan platform has to pay back the money if it goes bankrupt. According to the positioning of online lending platforms in the Interim Measures for the Management of Business Activities of Online Lending Information Intermediaries, "Online lending information intermediaries refer to financial information intermediary companies established in accordance with the law that specialize in online lending information intermediary business activities, that is, P2P online lending platforms act as information intermediaries between investors and borrowers to help match the creditor's rights relationship between the two parties."

In general, borrowers borrowing money through official P2P platforms must sign relevant electronic contracts, which are legally valid and protected by law. Regardless of any changes to the Platform, the legality and validity of any loan agreements entered into through the Platform will not be affected, and the creditor relationship between the investor and the borrower will remain unchanged.

In other words, as long as there is a loan agreement, the arrears should be repaid in full and on time, which is not invalid because the intermediary is insolvent. If the payment is not made, the other party can protect its legitimate rights and interests through civil litigation and recover the arrears. At present, many online loan platforms have been connected to the credit information system, and it is easy to bear the credit taint without repayment.

Once the credit is overdrawn, it can be difficult to get a loan.

According to laws and regulations, even if the online loan company goes out of business, you still have to pay it back. Because:1

First of all, the debt contract is still valid. When applying for a loan, the loan contract should have been signed; 2.Non-payment of outstanding amounts, so it is overdue, which seriously affects your credit report; 3.

1。First of all, the debt contract is still valid. When you apply for a loan, you should have already signed a loan contract;

2。You don't pay what you owe, so it's overdue, which seriously affects your credit report;

Therefore, if the platform goes out of business, the money still has to be repaid.

Hello, my friend's online loan platform has gone bankrupt, and it may not need to change the line, because the platform has collapsed without this platform, although the debt exists, the collector has no legal rights.

If the online lending platform you happened to borrow went bankrupt, or was judged to be an illegal financing institution, then you are really lucky. This love money can be returned without returning.

At present, our country is carrying out a crackdown on malicious evasion of online loans, trying to repay the principal, online loans are P2P, and a large number of lenders are ordinary people.

The online lending platform is bankrupt, but there will be aftermath institutions to take over, and if it is a complete escape, this is not necessary.

The money that should be repaid has to be repaid.

The online lending platform has gone out of business, and the borrower needs to repay the loan. This is because these platforms misappropriated funds and operated non-compliantly, resulting in the inability to repay the loan, but the borrower had previously enjoyed the loan funds and had signed the relevant repayment agreement. Therefore, the borrower must fulfill the repayment obligation in accordance with the provisions of the repayment agreement.

For borrowers who want to know their credit status, they can use the "Beijian Quick Check" system to query their big data. The system can quickly query various big data, such as arrears records, loan applications, credit reports, etc., so that you can have a more comprehensive understanding of your credit status, so that you can make a repayment plan in advance and ensure that your credit is not affected.

To sum up, borrowers should fulfill their repayment obligations to ensure that they have a good credit history. For debtors who have applied too many times and are worried that their big data will affect car loans and housing loans, it is recommended to use inquiry systems such as "Beijian Quick Check" to fully understand their credit status.

The collapse of an online lending platform is a very troublesome thing for borrowers. According to the relevant legal provisions, the borrower is still required to fulfill the repayment obligation. If you default, in addition to affecting your credit, you may also be collected, sued or even enforced.

Therefore, even if the online lending platform fails, the borrower needs to continue to meet the repayment obligations.

The "Zhiyi Big Data" you mentioned is a platform that can check personal credit history, which is very useful for borrowers. Borrowers can keep abreast of their credit status and plan their financial plans by querying their online loan history, overdue details, liabilities, dishonesty information, and online loan blacklists. For online loans on credit reporting, once there is an overdue record, it will have a serious impact on the future handling of bank loans or credit cards.

Even if the online loan cannot be credited, the data can still be recorded. Therefore, don't take the problem of overdue online loans lightly, be sure to repay the loan in a timely manner, and maintain a good credit history. Hope.

After the borrower successfully borrows money on the platform, a loan agreement will be generated. As long as it is a real loan project of Xifeng, no matter what happens to the platform in the future, the borrower is obliged to continue to repay the principal and interest of the investor on time and in full in accordance with the loan agreement.

If the borrower fails to repay the loan within the time limit or wants to repay the debt, the investor has the right to take necessary legal measures to pursue the borrower's legal liability in accordance with the provisions of the loan contract. The loan agreement reached by the platform safeguards the vital interests of investors, has the legitimacy and validity granted by law, and will not be affected regardless of any changes in the platform.

Therefore, even if the online loan platform goes out of business, those who have signed a loan agreement with the platform must repay the money on time. If you don't repay the money, there will be serious consequences, and it is still a trivial matter to incur high interest due to overdue, and it is not good if you are burdened with legal responsibilities or affect personal credit reporting.