What should I do if I borrowed 30,000 yuan in Mifang but I have no money to repay the IOU of 60,000

You borrowed from a loan shark and were deceived, you just need to provide evidence, go directly to 30,000, and you don't borrow 60,000. You can refer to the regulations for details.

Legal Interpretation 2015 No. 18.

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

Article 26: Where the interest rate agreed upon by the borrower and the borrower does not exceed 24% per annum, and the lender requests the borrower to pay interest at the agreed interest rate, the people's court shall support it.

If the interest rate agreed between the borrower and the borrower exceeds 36% per annum, the interest agreement on the excess part shall be invalid. Where the borrower requests the lender to return the interest paid in excess of 36% of the annual interest rate, the people's court shall support it.

Article 27 The amount of the loan indicated in the IOU, receipt, IOU and other creditor's rights vouchers shall generally be determined as the principal. Where interest is deducted from the principal in advance, the people's court shall determine the amount actually lent as the principal.

Article 28 After the borrower and the borrower settle the principal and interest of the previous loan, the interest shall be included in the principal of the later loan and re-issue the creditor's rights certificate, if the interest rate of the previous period does not exceed 24% of the annual interest rate, the amount stated in the re-issued creditor's rights certificate may be recognized as the principal of the later loan; The interest on the excess part cannot be included in the principal amount of the subsequent loan. Where the agreed interest rate exceeds 24% per annum, and the parties claim that the excess interest cannot be included in the principal of the later loan, the people's court shall support it.

According to the calculation of the preceding paragraph, the sum of principal and interest payable by the borrower after the expiration of the loan period shall not exceed the sum of the initial loan principal and the interest calculated on the basis of the initial loan principal at an annual interest rate of 24% for the entire loan period. Where the lender requests that the borrower pay the excess amount, the people's court will not support it.

Me too. My family has already helped me with it once. Won't be helping me this time. What should I do?

Did you take any money from you when you borrowed it?

I borrowed in the rice room is, borrow 1500, get 1050, pay it back in a week, renew 450 for seven days, renewed three times, and then said that it is good to give 550 to eliminate the strip, give the money and do not eliminate it, and said to have more than 500, or do not eliminate the strip, now it is renewed three times, 150 a day overdue, a total of 2050, this is clearly given money without recognition,

Dude, what did you do? I borrowed 1500 to the account 1050, 7 days, and finally overdue for 8 days, he insisted that I give more than 1,000 overdue fees, negotiated with him, and finally he said that it should be treated according to the principal, and he gave the principal and regretted that he had to give 1,000 overdue fees. He will not give the IOU to Mifang.

Pure blackmail.

What I borrowed in Mifang was, borrowing 1500, getting 1050, repaying it in a week, and repaying 1500, he said that he sold the IOU in two days, and then said that there was no overdue fee, so can I not give the overdue fee?

You can call the police directly, as long as the money is paid.

Yours have not been dealt with, I am the same as you.

Me too, the money is returned, and it doesn't go away.

I'm the same, you don't have it yet.

Mifang can't not repay the money if he doesn't receive the money after playing the IOU, unless the person who wrote the IOU has no evidence of receiving the money, he should repay the loan according to the IOU.

If fraud is suspected, you can report to the police and investigate their criminal responsibility in accordance with the law. Or they may retain a lawyer to file a civil lawsuit to demand restitution or compensation for losses.

Common Online Shopping Scams:

falsely claiming that their goods are smuggled goods or confiscated goods by customs, and requiring netizens to pay a certain amount of deposits, deposits, and deposits.

Falsely claiming that the netizen is stuck when placing an order, and asking the netizen to re-pay or place a new order.

Falsely claiming that the Alipay system is being maintained, asking netizens to send money directly to their designated bank accounts.

Falsely claiming that the shopping ** system is faulty, and asking netizens to repay.

Falsely claiming that **is engaged in**,**activities, need to pay a certain handling fee, etc.

When the netizen bought the plane ticket online, the suspect falsely claimed that the identity information provided by the netizen was incorrect, and asked the netizen to pay the ticket purchase price again.

Falsely claiming that they need to be verified and asking netizens to pay a fee for verifying their qualifications.

If you don't pay back the IOU, you will hit the contact's **, and you will bombard all the contacts in your address book.

Precautions for Mifang IOUs:

The name on the IOU should be correct.

The names in the IOU should be accurate and avoid homophones and different words, so as to better identify the relevant parties.

Be careful with suspicious IOUs.

If the lender provides an IOU, but there are multiple doubts in the IOU, it is difficult for the court to support its claim, so it is best to have multiple supporting evidence to prove the legitimacy of the loan relationship.

How to identify personal borrowing.

During the existence of the marital relationship, if the amount of external debts borrowed by one of the spouses obviously exceeds the daily necessities, and the creditor fails to prove that he has reason to believe that the loan is an expression of the joint intention of the husband and wife (i.e., the creditor cannot prove that he is a bona fide third party), it may be deemed to be a personal debt of one party.

Interest is deducted in advance.

1) The court will not recognize the cash receipt issued by the borrower for the purpose of deducting part of the loan proceeds from the principal in advance. In other words, the IOU issued by the debtor should be the amount borrowed, and the relevant income or interest cannot be deducted!

2) Now there are some underground money banks that prevail in the practice of just the opposite, for example, borrowing 1000, actually only giving you 800, you need to repay 1000 yuan or more when due, this practice is not protected by law.

Overdue interest. If the parties do not agree on the interest at the time of borrowing, it may be regarded as an interest-free loan, but the overdue interest may be calculated with reference to the bank's interest rate on similar overdue repayment.

Liquidated damages for borrowing.

If no interest is agreed upon during the loan period, but liquidated damages are agreed, the liquidated damages shall be calculated in accordance with the restriction of using four times the interest rate, that is, it shall not exceed four times the bank's interest rate for similar overdue repayment. At present, it is not uncommon for the agreement on liquidated damages to exceed the specified limit, and the next time you encounter this situation, you can not pay it and report to the police immediately!

Repayment offset order.

If it is not clear that the repayment is the principal or interest at the time of repayment, the interest shall be offset first, and then the principal shall be lowered.

Proof of sound recordings for repayment.

The audio recordings provided by the debtor can be used as evidence that the debt has been paid as determined by the court.

Private lending and formal crime.

If private lending is suspected of constituting the crime of illegally absorbing public deposits, it does not automatically affect the validity of the loan contract and its guarantee contract.

Yes, it will bombard all your contacts in your address book.

If it is not overdue, it will not be, and it will be overdue.

If you don't overdue, you won't need to deduct your head.

Yes, will call all your contacts.

Whether they're in the call log or the address book.

This rogue platform, I have nothing to do with the borrower, I just know each other. often beat me **, and yesterday I used abnormal means to swipe my **. Depressed! No one cares about them.

Isn't it okay to get 3000 IOUs for Mifang and 2200 in hand?

I only filled in my name and ** at that time, and I didn't certify anything? How will they know about our address book?

I remember that at that time, there was only a replacement IOU. There's nothing allowed or certified.

I shouldn't be able to find him, I don't even know if you're a man or a woman, and I don't know if you're a ** person.

Mifang IOU is an Internet company that provides loan services, and its main business is to provide personal lending services. Recently, there was news that the Mifang IOU had gone out of business. Zenmu has had some official responses to this news.

It is reported that there are indeed some problems with the Mifang IOU, but at present, the official has not confirmed its collapse. However, the news did attract public attention.

Judging from the revenue data, the performance of Mifang IOUs has been declining. In the second half of last year, the company was in a loss-making state, and there was also a bottleneck in user growth. Coupled with the strengthening of regulatory policies, the crackdown on online lending platforms has also continued to increase.

Together, these factors contribute to uncertainty about the company's future.

For investors and borrowers, the failure of Mifang IOUs will bring great risks and losses. Investors may face the risk of not being able to recover the principal and interest, and borrowers may not be able to repay their loans on time, resulting in an impact on their credit history.

In short, the issue of Mifang IOUs has aroused people's attention and reflection on the Internet lending platform industry. For investors and borrowers, choosing a formal and qualified platform for investment or lending is an important way to protect their rights and interests.

1. If the inability to repay will face the consequences of the court, it is recommended to actively negotiate with the creditor to strive for a delay in repayment. Creditors will also sue you and then apply for enforcement of your property.

2. In cases where there is the ability to refuse to enforce the judgment or ruling, the crime of refusing to enforce the judgment or ruling is suspected of being the crime of refusing to enforce the judgment or ruling of the Criminal Law Article 313 [Crime of refusing to enforce the judgment or ruling of the people's court] where the judgment or ruling of the people's court is capable of being enforced but refuses to do so, and the circumstances are serious, is to be sentenced to up to three years imprisonment, short-term detention, or a criminal punishment.

3. If there is no property in his name that can be executed and he 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 he will be restricted from high consumption and entry and exit, and may even be subject to judicial detention.

You can't borrow it anymore and you will be collected.

Personal credit and what needs to be handled in the later stage are not easy to handle.

And then what can I do?

Need porridge turn, can communicate, no ex-wife.