As a major Internet company in China, Didi has many products, among which Didi Finance is a familiar online loan product. But not long ago, all the apps under Didi were removed. After being taken off the shelf, do I still need to borrow money from Didi Finance? How to pay back the money? Let's have a look!
First, the borrowed money needs to be repaid.
Although Didi Finance has been removed, when borrowers apply for loans on Didi Financial Platform, both procedures and contracts are formal processes. Therefore, the loan owed by the borrower still needs to be repaid on schedule. If the borrower has just applied for a loan, but Didi Finance has been removed, then the borrower can also use the loan normally. After the repayment date, the repayment can be made on schedule. In essence, Didi Finance belongs to a third-party financial service platform and can provide loan services. The borrower is not a loan contract signed with Didi Financial Platform, but a lending institution. Even if the lending institution goes bankrupt, as long as the creditor's rights contract is still valid, the borrower needs to repay on time.
Two, outstanding loans can continue to be repaid through bank cards.
For Didi Finance, customers who haven't paid off their loans don't have to worry too much, because when borrowing money, they will usually be bound with a bank card for repayment, and customers only need to put money into the bound repayment bank card on time. As long as the status of the card is normal and the balance is sufficient, the system will automatically deduct the corresponding amount from it for repayment on the repayment date. If there is no repayment, customers can call the customer service of Didi platform, and customers can also pay more attention to the announcement issued by Didi. Moreover, since Didi Financial Loan is the money issued by cooperative lending institutions, customers can also directly call the customer service staff of lending institutions for consultation.
Be careful not to return it. Even if Didi Finance has been removed from the shelf, since both parties have signed a loan contract, it is natural to strictly follow the contract. If you don't pay it back on purpose, it will be overdue after the repayment date and your personal credit will be damaged.
What about Didi loan? If you don't return it, it may have these effects!
With the continuous development of Internet finance technology, more and more users can apply for loans through some mobile apps. Among many small loan apps, Didi Loan, as a loan product of Didi, has always been favored by many users. What about Didi loan? If you don't return it, it may have these effects!
What about Didi loan?
Although all the application products of Didi are off the shelves now, users who have applied for Didi loans should never think that they don't have to pay them back. In essence, Didi Lending is just a third-party platform to provide loans. The borrower is a loan contract signed with the loan company. Even if the Didi loan is removed, the borrower needs to repay the loan on time.
If the borrower still has the Didi Loan APP on his mobile phone, then you can repay the loan according to the normal operation. If there is no Didi Loan APP in the borrower's mobile phone, as long as the balance on the repayment card is sufficient, the system will deduct the money on time. If the borrower fails to repay the Didi loan on time, the following consequences will occur.
1, damage credit investigation
The lending companies behind Didi loans basically cooperate with the central bank's credit information system. The borrower's overdue loan will be pushed to the central bank's credit information system within T+ 1 When the borrower's personal credit record is overdue, good credit will be destroyed, which will also affect the borrower's other credit business.
2. Generate penalty interest
After dropping loans overdue, there will be a higher penalty interest. If the borrower fails to repay the loan, the interest will roll. The longer the time, the greater the repayment pressure of the borrower.
3. Litigation
If the borrower fails to repay the loan for more than 3 months, he may be sued by the lending company behind Didi Loan and bear civil liability. If the borrower fails to repay the loan after being enforced by the court, then the borrower may be listed as an executor of bad faith.
The above is the sharing of "How to do a good job in Didi Loan under Didi Shelf". I hope it will help everyone!
Didi's Didi loan has no need to be repaid.
1. In the case of Didi's removal, only new users can no longer register and apply for new loans in Didi Finance. However, customers who have borrowed money from Didi Finance before and have not paid back the money still need to repay. The removal of the APP does not mean that customers do not need to bear the repayment responsibility. If the customer directly chooses not to repay, the repayment will be overdue in the future, which will have a negative impact on personal credit. Therefore, customers must pay attention to repayment on time before the due repayment date (inclusive). Even if the APP is removed, as long as the customer binds the repayment bank card, then the customer only needs to have enough funds in the repayment bank card. On the repayment date, the system will automatically deduct the corresponding amount for repayment. . No matter which financial company or loan platform, even if it goes bankrupt, the loans owed by users should be paid back. However, this loan business is legal.
Second, Didi Loan is essentially just a third-party platform for providing loans. The borrower is a loan contract signed with the loan company. Even if the Didi loan is removed, the borrower needs to repay the loan on time. If you don't repay the Didi loan on time, you will face these consequences: First, damage the credit information; The second is to generate penalty interest; The third is litigation.
Third, the consequences of non-repayment of Didi loans.
1, resulting in black credit information.
The lender of Didi Loan is mainly Chongqing West Coast Microfinance Co., Ltd., which is a formal company with a microfinance license. Therefore, Didi Loan will report the record of non-performing loans to the borrower and make the debtor believe it.
2, can't use Didi
For those who don't repay the Didi loan, they will inevitably be blocked by Didi. In the future, it is impossible for everyone to travel by Didi.
3. Facing long-term collection
If the Didi loan is not repaid, long-term collection is inevitable. In the future, everyone's normal life will definitely be greatly negatively affected by the collection, and their personal reputation will be seriously damaged.
The defendant went to court.
For those who have not repaid, Didi Loan will also sue and ask the court to enforce it. Those who refuse to repay the loan will be included in the list of untrustworthy people and will be punished by law.
Do you want to pay back the Didi loan? What should I do if Didi Finance Didi Loan cannot repay?
With the removal of 360 loans, another APP has been removed from the application market, that is, Didi Travel APP. Many people have applied for a Didi loan on Didi Travel APP, and they have not paid it off yet. Will they ask Didi to repay the loan? What should I do if Didi Finance Didi Loan cannot repay? Let's take a look today.
Do you want to pay back the Didi loan?
After Didi is off the shelf, you can't download the APP in the application market, but it doesn't mean that the previous arrears will be written off. It's only natural to pay back debts, even if the loan platform closes down, you have to pay it back, not to mention Didi. Now it has just been removed from the shelf, and there is no news of closure.
Although the APP is off the shelf, Didi Financial System still has the user's loan record. As long as the repayment is not timely, corresponding collection measures will be taken, such as SMS and telephone collection. If the amount is large and overdue for a long time, it is necessary to be prepared to be found or even sued, and once overdue, it will affect personal credit and is not conducive to loan credit card applications.
If you delete the Didi APP, you can't find the place to download it now. If you know which bank card is bound and when the repayment date is, as long as you save enough money in the card, the system will automatically deduct the money. If you plan to settle in advance and can't operate on the APP, you should contact Didi customer service to solve it.
What should I do if Didi Finance Didi Loan cannot repay?
Generally speaking, there will be no repayment failure, and basically there will be problems in prepayment. For example, some netizens reported that their Didi loan failed to repay in advance, and it was useless to try four bank cards. The phone actually said that there was something wrong with the silver card, but the key is that these cards can be recharged and withdrawn normally on WeChat and Alipay.
Like this suggestion, go to major platforms to complain, such as gathering complaints and black cat complaints platforms. Put forward your own demands and let the platform contact Didi Finance, and Didi Finance will solve it. Don't feel trouble, this may be the fastest and most effective way to solve the problem of inability to repay.
The above is "Do you want to pay back the Didi loan? What should I do if Didi Finance Didi Loan cannot be repaid? "I hope to help you.