If the online loan is cheated and the contract has been signed, you can try to log in to the platform account first to see if you can cancel it and try to unbind the bank card. If the loan account number can't be cancelled and the bank card can't be untied, and the platform continues to demand payment, customers can report to the local CBRC or Internet Finance Association, and don't continue to delay after finding themselves caught in a loan scam, so as not to cause more serious losses.

Of course, if the platform does not charge high interest and various unreasonable fees in violation of regulations, and the loan interest rate is at a reasonable level, customers can also try to pay off the loan in one lump sum in advance, and then the loan contract will be terminated naturally.

Fraudulent contracts can be reported to the police.

A contract signed by fraud belongs to one party who concluded the contract by fraudulent means, which has harmed the national interests and can be handled by the police to safeguard its legitimate rights and interests. According to the provisions of Article 148 of the Civil Code, if a party commits a civil legal act by fraudulent means to express his will against his true intention, the defrauded party has the right to request the people's court or an arbitration institution to cancel it.

Article 149 stipulates that if a third party commits fraud, causing one party to commit a civil legal act against its true meaning, and the other party knows or should know about the fraud, the defrauded party has the right to request the people's court or an arbitration institution to cancel it.

What should I do if I am beaten by a loan company?

Through the online lending platform, customers can keep relevant evidence, such as loan details, chat records, recordings, etc., and then report to relevant departments. Generally speaking, the legitimate rights and interests of customers will be protected, and you don't have to worry too much about regular loans. Generally speaking, conventional loans have the following characteristics: 1, and the loan interest rate is opaque. 2. There is a loan service fee. 3. There is a loan guarantee. 4. Charge the loan agency fee. 5. There will be "beheading". 6. No loan qualification. 7. The main company can't be found. 8. General loan news is published online. 9. Deliberately create traps to make customers overdue. 10, collect unfrozen deposits. In some of the above situations, customers need to be cautious. Pay attention to regular loans to avoid falling into the trap. When applying for a loan, in order to protect their rights as much as possible, customers still have to choose a formal lending institution to apply for a loan. Of course, formal lending institutions are slightly stricter. How to deal with routine online loans?

The handling methods of online loan fraud are as follows:

1. After encountering online loan fraud, keep calm;

2. Call the police at the first time, or report to the local public security organ in person;

3. In the process of reporting the case, tell the public security organ about the process of being cheated and the cheated online loan platform;

4. Collect relevant evidence materials of online loan fraud, such as chat records and loan records, and submit them to the public security organs for filing. If you receive the same situation, it will be classified as a criminal case.

(1) defrauding public or private property worth more than 3,000 yuan to 10000 yuan, with a relatively large amount;

(2) thirty thousand yuan to one hundred thousand yuan is a huge amount;

(3) Suspected areas of more than 500,000 yuan are "extremely huge", and specific filing standards are determined according to local conditions.

If the loss is not fully returned, the victim can bring a civil lawsuit to the court and claim compensation from the fraudster. Prosecution must meet the following criteria:

(1) The plaintiff is a citizen, legal person and other organization that has a direct interest in this case;

(2) Having a clear defendant;

(3) Having specific requests, facts and reasons.

Relevant laws and regulations

Article 266 of the Criminal Law of People's Republic of China (PRC)? If the crime of fraud defrauds public or private property, and the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also or only be fined; Whoever yells at celery and eggplant, if the amount is huge or there are other serious circumstances, shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined.

If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined or confiscated. Where there are other provisions in this Law, such provisions shall prevail.

Article 122 of the Civil Procedure Law of People's Republic of China (PRC)? Prosecution must meet the following conditions:

(1) The plaintiff is a citizen, legal person and other organization that has a direct interest in the case;

(2) Having a clear defendant;

(3) Having specific requests, facts and reasons;

(4) It falls within the scope of civil litigation accepted by the people's court and is under the jurisdiction of the sued people's court.

What is the best way to deal with routine loans?

First, we must keep the relevant evidence of conventional loans at the first time.

First of all, from a legal point of view, "routine loan" is essentially an illegal and criminal act, and the principal and interest of the loan are not protected by law. Therefore, if it is really a routine, there is no need to panic. The first thing to do is to leave information evidence such as SMS, APP screenshot and bank card.

Second, we should call the police at the first time to explain the ins and outs of the incident.

Nowadays, in order to curb the spread of routine loans, the public security department and financial institutions such as banks have cracked down on routine loan gangs. Therefore, you don't have to worry about whether the report will be filed. You should contact the public security bureau at the first time, provide retained evidence, make a good record, wait for the public security organs to investigate and deal with it, and crack down on the loan gangs.

Third, apply to the People's Bank of China for credit objection at the first time.

As we all know, most online loans have been connected to the central bank's credit information system. It is necessary to go to the business hall of the People's Bank of China to pull the credit information report in time, apply for credit information objection, and find out the ins and outs of credit information, so as to eliminate bad credit information records.

In the face of the trap of "routine loan", we must achieve "three wants and three don't";

First, we should establish a correct concept of consumption, live within our means and borrow rationally; Don't borrow blindly regardless of the consequences.

Second, we should choose formal financial institutions with loan qualifications to lend, and don't believe the false advertisements of "no interest, no guarantee and no mortgage" issued by unqualified informal companies.

Third, we should report the case to the police in time and protect ourselves with legal weapons; Don't get deeper and deeper because of being frightened and threatened by lawless elements, and suffer property losses and illegal infringement.