Looking at the "screenshot of successful interest refund" kindly shared by others, I calculated the "usury" I borrowed at a loss. Many people were moved and wanted to take this opportunity to relieve their repayment pressure and add a chicken leg. But I don't know, I'm caught in another beautifully packaged scam. As far as we know, the refund of interest and fees first occurred during the period of 3 15. Because some consumer finance companies charge too much interest when signing loan contracts with borrowers, they have been complained by a large number of users. In order to alleviate negative comments, some loan platforms will selectively refund interest and fees to individual users. This shows that the return of online loan interest is real and feasible.
It is true that online loans refund interest and fees, but it is not easy to successfully refund interest. So some people with ulterior motives will take advantage of our eagerness to refund interest and fees and start cheating. They will sort out a set of interest refund procedures in major forums and then sell them, and carefully advertise them to ensure the success of interest refund. Everyone will be easily cheated, and the interest will not be refunded, but the residents will also put money in. In addition, they will provide the cheated person's ID card, bank card number, insurance policy, contact number, home address and related photos to other institutions or individuals on the grounds of returning interest, resulting in the disclosure of personal information and data.
How to operate the interest refund fee for 360 IOUs?
You can call the official number to apply for a refund of 360 arrears. If the interest of online loans is within the legal scope, that is, the annual interest rate is within 36% (inclusive), and the user requests to refund the interest and fees, the online lending institution may refuse. For more than 36%, if the user applies for interest refund or fee refund, the online lending institution must refund it. Otherwise, users can complain to relevant institutions or bring a lawsuit directly to the court. Both methods are effective.
Can online loan interest be recovered?
If the online loan belongs to licensed financial institutions such as banks and consumer finance, the interest cannot be refunded, because the interest of such products is within the legal scope. However, the online loan is not provided by licensed finance, but belongs to private lending, so the user has paid interest for the part with the interest rate exceeding 15.4%, and can apply to the lending institution for refund of interest.
After the online lending institution accepts it, it will refund the interest and return it to the user's collection bank card. Refusing to refund interest requires users to sue in court.
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Three conditions for applying for stopping to report the loss
In fact, there are certain conditions for stopping the bill. It's not just an online advertisement saying that you are in debt. Generally speaking, three conditions must be met:
1. Liabilities exceed repayment ability. For example, I owe the bank 400 thousand, but my monthly income is only 5000. Obviously, the repayment ability is far less than that of debt, even if there is a strong willingness to repay.
The debtor should be willing to pay. For example, when it is about to expire, it is necessary to take the initiative to communicate and negotiate with the bank. Tell the bank that I may be overdue, not because I deliberately don't pay back the money, but because of some accidents. Anyway, I just told the bank that I want to pay it off, but due to objective reasons, it will be overdue.
3. The reasons must be sufficient. Such as unemployment, fraud, illness, car accidents and so on. No matter what the reason, you must have proof materials, and you can't just talk without practice.
If we meet these three conditions, we can apply for suspension of payment. We directly call the customer service phone of the bank to communicate with the manual customers, explain the reasons why we can't repay, and emphasize the willingness to repay. And that you have the material proof, you can basically pass.