It takes about three or four days for the baby to be examined in stages. Many netizens will be forced by the baby to pay by installments, such as filling in the information but not applying, but the baby has transferred it to the card by installments. Moreover, the installment loan of 2000 yuan actually arrived 1080 yuan, which was less than one day overdue. Within a few hours, the address book was blown up to call my family, and the SMS verification code was blown up the next day, which had an impact on my life. And this situation will continue for a day or two.

First, what is mandatory?

Compulsory payment means that you don't want to borrow money from the platform, but you still have to pay. Just fill in the information without applying for a loan, and the money will be automatically transferred to your account. However, if the term is 3-5 days, it will be paid automatically after filling in the information, and the interest is twice the principal, which is mandatory. Compulsory lending process: register personal account, fill in information for real-name authentication, and immediately lend money.

Second, the processing method of compulsory next paragraph

(1) Return the loan in the same way and keep the evidence, then call the police. Repay the loan directly in the original way, and keep the relevant vouchers. If the situation is serious, it is recommended to call the police.

2) Close related authorization items or cancel the APP directly. Some users have returned their funds, but they are still inevitably harassed by telephone calls such as customer service or overdue collection.

(3) Be vigilant and don't click in to fill in the information. Usually, when applying for a loan, it is best to find a formal platform.

To sum up, black online loans are generally small loans with a quota of 1 1,000-3,000 yuan and a repayment period of 3-5 days. By means of compulsory trading, beheading interest, deliberately losing contact, creating overdue illusion and so on, the amount of debt is inflated. Black online loans usually contact victims by receiving short messages from base stations, friends' introductions, friends' circles, website links, small advertisements on the wall, and even recommendations from regular shopping malls. It is absolutely illegal to borrow money without formal authentication and audit mechanism, so it is absolutely illegal to ignore this kind of borrowing. The other party dare not sue, dare not come to the door, only dare to intimidate or explode the address book, don't worry too much.

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1. Bring a copy of the second-generation ID card, a copy of the household registration book, and the original work certificate with official seal issued by the lender's current work unit.

2. If the self-employed and the person in charge of the company produce a copy of the business license and proof of equity.

3. You also need the original personal income certificate, the original personal credit report and the proof of marital status.

4. After preparing the above information, go to the credit department of the bank outlet where the mortgage loan is handled, and there will be an account manager specially responsible for this business to receive the lender.

5. The audit period is usually 7 to 15 working days. After passing, the outlet will inform the lender to go to the outlet to apply for a debit card and make loan repayment.

What are the "routines" of "routine loans"?

1. Target found. Liars mainly look for targets through websites, apps, telephones or distributing small cards, spreading slogans such as "no mortgage, no qualification, no distinction between black and white households" and "urgent need to find us with money", waiting for people who are in urgent need of capital turnover or college students who want to spend in advance.

2. Sign the contract. This link is the real beginning of the routine. Liars sign loan contracts with victims in the name of "small loan companies" or individuals, creating the illusion of private lending. Then, with various excuses such as "regulations" and "liquidated damages", the victim is tricked into signing contracts or IOUs that are not conducive to the victim, such as "inflated loan contract" and "house mortgage contract". In addition, the swindler may also request to sign a "yin-yang loan contract" with the victim, that is, the actual loan is inconsistent with the amount on the loan. For example, if the victim wants to borrow10.5 million yuan, the liar will ask to borrow 200,000 yuan under the pretext of "regulations". Most people will think that this is a "guild regulations" and will undoubtedly sign it.

3. Forge bank flow. In order to fix "legal evidence", swindlers will also forge bank running water. For example, the swindler first credited the victim's bank card with 200,000 yuan borrowed by the victim, and then asked the victim to withdraw money from the bank, leaving evidence of bank transfer and bank withdrawal. Subsequently, the victim was asked to return 50,000 yuan to the liar. The 50,000 yuan in cash given by the victim has no receipt and other evidence. If the swindler sues the victim for returning the loan of 200,000 yuan to the court, the relevant contract and bank flow sheet are complete.