1. Confirm whether the loan is overdue. Under normal circumstances, the minimum repayment amount is overdue before 24 o'clock on the repayment date. However, some online loans can provide repayment grace period services. Repayment within the grace period is regarded as normal repayment, and is not counted as overdue by the borrower.
It is suggested that borrowers can take the initiative to call the online loan platform customer service or contact online customer service to find out whether grace period service is provided, and then judge whether it is overdue according to their specific repayment time.
2. Confirm the repayment reason. Overdue repayment of online loans can be roughly divided into two types. One is the overdue caused by my subjective reasons, including forgetting to repay, or overdue repayment, or the repayment amount is lower than the minimum amount.
One is overdue for reasons other than my own, such as overdue repayment due to system maintenance, or being impersonated as loans overdue.
If it is the latter, the borrower can let the loan platform cancel the overdue after mastering the relevant evidence, otherwise he can defend his rights through complaints.
3. Confirm the repayment amount. The online lending platform borrowed by the borrower has no grace period, or the loan has not been repaid after the grace period. As long as it is not overdue for my own reasons, I still have to repay it as soon as possible.
After all, as long as it is not repaid, the debt will always exist.
After overdue, not only the principal and normal loan interest must be repaid, but also the borrower must pay overdue penalty interest to the online lending platform, and may also be charged liquidated damages.
If the borrower can't calculate the repayment amount by himself, he can log on to the online loan platform to see what the amount owed is on the repayment page.
4. Pay off the debt as soon as possible. The borrower has enough funds to repay directly through the repayment entrance of the online loan platform. It will be much easier to settle the arrears as soon as possible, and it will not be collected again.
However, if your repayment funds are insufficient and you can't borrow from friends and relatives, I suggest you also take the initiative to contact the online loan platform to communicate and negotiate, and strive for the opportunity of repayment by installments for yourself.
Generally, only when the deadline is not malicious, and due to force majeure factors, can relevant documents be provided, including income certificates, poverty certificates, etc. Seek advice from the online lending platform.
After the online loan platform agrees, the two parties re-sign the loan contract and re-agree on the monthly repayment time, and the borrower repays on time until the loan is settled.
If you are facing the problem that online loans are overdue and being collected, I suggest you go to Xiaoqi Credit Information to get a detailed big data report, understand your overdue records, classify your online loans, and distinguish between formal loans with credit information and informal loans without credit information. If you want to pay back the money, but the funds are insufficient at present, I suggest you negotiate with the online lending platform to give priority to repaying formal and reputable loans and minimize the impact on yourself. This will not only improve your credit, but also help you apply for other loans in the future.
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What should I do if I find myself being loaned online?
If you find yourself being loaned online, you can handle it in the following ways.
1. When the loan platform makes a dunning for itself, directly contact the other party to explain the situation clearly, explain that I didn't make the loan, and provide the corresponding data proof. Then, you can ask the loan platform to immediately terminate the loan relationship and let the borrower who borrows in his own capacity pay back the money, and he is not responsible for the repayment.
2. If the loan platform turns a blind eye to its own explanation and continues to make dunning, it can bring a lawsuit to the people's court in the face of unresolved disputes.
Also, if there are acts of violence, threats or intimidation during the dunning process, the loan platform can also report the case to the local public security department.
Moreover, if it is found that the loan platform itself is irregular and charges high interest fees in violation of regulations, it is also possible to collect evidence and report it to the CBRC.
3. If personal credit information or big data is damaged due to overdue bad information, you can contact the People's Bank of China or a third-party data platform to make a complaint.