First of all, you should understand that his loan interest is too high. If you spend all the money in it, it seems that you can still complain. Well, you can call 123 15 to make a consumer complaint. Then you may complain about the bank loan. All right.
In addition, you can also complain on the short video platform.
If there is no other complaint platform, if it is determined that he can make a complaint to.
Can you call the banking regulatory bureau to complain about online loans?
According to the first and second points of the Notice on Standardizing and Rectifying Cash Loan Business, online loans can call the banking regulatory bureau to complain.
The first and second points of the Notice on Standardizing and Rectifying Cash Loan Business: The comprehensive capital cost charged by various institutions to borrowers in the form of interest rates and various fees shall comply with the provisions of the Supreme People's Government on the interest rate of private lending, and it is forbidden to issue or match loans that violate the relevant interest rate provisions of the law.
The comprehensive capital cost charged by various institutions to borrowers should be converted into an adult form, and information such as loan conditions and overdue treatment should be fully disclosed in advance to remind borrowers of relevant risks.
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Related cases:
Zhigang is one of the lenders. He is from Tanggu, and he came out to make a living without graduating from technical secondary school. By chance, he started a credit card repayment business and charged a 20% benefit fee for each bridge crossing fund. By 20 13, peer-to-peer lending was surging, and zhigang got 12% of the annual interest cost from the upstream funders and lent it to users in urgent need, with interest of 20%.
Eat the middle floor. He saw that some installment website loan platforms were even more ruthless, and the annualized interest rate reached more than 500%. Zhigang also raised the interest on his loan to more than 65,438+000%. It took zhigang a lot of effort to raise the loan interest rate without the borrower noticing. According to him, these tricks are all learned from peer-to-peer lending platforms.
The more common method is that the concept of stealing is deliberately not marked with annual interest rate, but replaced with daily interest rate and monthly interest rate to cover up high interest rate. The statement of daily interest rate 1% has not attracted the attention of borrowers, but in fact the annual interest rate has exceeded 360%. Inflated expenses, deliberately designed information fees, agency fees, deposits and other expenses spread to the cost, in fact, the interest is too high.
What's even more cruel is "beheading" and "rolling". Zhigang said, in fact, there is no secret in this industry, but it is completely illegal. Because it is illegal and costly, it belongs to the profiteering industry.
In order to attract customers, Zhigang printed a large number of business cards, distributed them everywhere, and spent money on advertising online. He is a bank keeper. When he encounters credit problems and can't get a loan from a regular bank, he will come forward to introduce his loan business. Send business cards near the university town, encourage college students to borrow money to spend in advance, and also send business cards to bathing places.
For more than ten years, Zhigang has bought three houses, and he is still relatively poor in the circle of lenders. Some people have more than a dozen houses, all of which are earned by profit rate. Seeing several documents on online loans from the CBRC and other regulatory authorities recently, Zhigang smelled the crisis and decided to quit the industry as soon as possible.
First, lower your own interest rate to below 36%. "Discuss with customers and let them repay as soon as possible. I am going to change careers at the end of the year. " Zhigang said.
65438+February 65438+April, the non-banking department of CBRC forwarded the Notice on Standardizing and Rectifying Cash Loan Business. The day before, 1 1, the CBRC has issued the implementation plan for the special rectification of the company's network business. In less than a month, the financial department issued four tokens in succession to severely rectify the online loan business.
It is clear that the annual interest rate shall not exceed 36%, and "beheading interest" shall not be charged, and violent collection shall not be allowed. Before the end of 20 18 1, thoroughly investigate the illegal online lending platform.