Legal analysis: the borrower's bank card number is wrong, and the funds are frozen, so the borrower does not need to pay compensation. This situation belongs to a new type of fraud. The fraudster signed a loan contract with the borrower, and then asked the borrower to pay to unfreeze the account on the grounds that the card number was wrong, and claimed to be entrusted by the bank. If he doesn't pay, he will be investigated for legal responsibility. This kind of incident is an attempt to defraud the borrower of money. If this happens, you should choose to call the police.
Legal basis: "Several Provisions of the Supreme People's Court on the Attachment, Seizure and Freezing of Property in Civil Execution by People's Courts".
Article 21 The property of the person subjected to execution shall be sealed up, detained or frozen to the extent that it is sufficient to pay off the amount of creditor's rights and execution expenses determined in legal documents. Those that obviously exceed the standard shall not be sealed up, detained or frozen. If it is found that the amount exceeding the target amount has been sealed up, detained or frozen, the people's court shall, upon the application of the person subjected to execution or ex officio, promptly terminate the sealing up, seizure and freezing of the part exceeding the target amount, except that the property is inseparable and the person subjected to execution has no other property to execute or other property is insufficient to pay off debts.
Article 33 If a financial institution unfreezes the funds frozen by the people's court without authorization and the frozen funds are transferred, the people's court has the right to order it to recover the transferred funds within a time limit. If it is not recovered within the time limit, it shall be ruled that the financial institution shall bear the compulsory execution responsibility for the applicant with its own property within the scope of the transfer of funds.
Thirty-seventh units concerned, after receiving the notice of the people's court to assist in the execution of income, pay the person subjected to execution or other people without authorization, and the people's court has the right to order them to recover within a time limit; If it fails to recover the compensation within the time limit, it shall be ruled that it shall be liable for compensation to the applicant executor within the paid amount.
Article 487 of the Supreme People's Court's Interpretation on the Application of the Civil Procedure Law of People's Republic of China (PRC) stipulates that the time limit for the people's court to freeze the bank deposits of the person subjected to execution shall not exceed one year, the time limit for sealing up or distraining movable property shall not exceed two years, and the time limit for sealing up immovable property and freezing other property rights shall not exceed three years. If the person subjected to execution applies for an extension of the time limit, the people's court shall go through the formalities for further sealing up, distraining and freezing before the expiration of the time limit for sealing up, distraining and freezing, and the extension period shall not exceed the time limit specified in the preceding paragraph. The people's court may also handle the formalities of continued sealing up, seizure and freezing ex officio.
What if the bank card number is wrong when borrowing money?
From the common sense of life, in this case, inform the loan bank in time and contact the bank in time to change the bank card and other procedures.
What should I do if the loan bank card number is incorrectly filled in?
When the card number of the loan bank is incorrectly filled in, the loan may not be frozen, so beware of telecom fraud;
1. When applying for online loan, both borrowers and lenders claimed that the bank card number was entered incorrectly and asked you to unfreeze the funds. They also said that the money originally paid was also frozen by the bank. This is an excuse to lie to you. The card number is wrong, just change it. The bank will not freeze other people's money just because your card number is wrong.
2. If the online loan bank card is filled in incorrectly, you need to contact the loan platform immediately to modify the bank card information. If you get a loan, you'd better find the loan bank to freeze the funds, and then apply for the platform to advance the unfrozen funds. The borrower shall not pay the so-called "authentication fund" or "unfreezing fee" by himself.
Don't be fooled easily. Loans still need to be handled by formal institutions. Of course, many friends may not be able to go to formal institutions because of credit problems, so it is recommended not to apply for loans for the time being. Nowadays, many criminals have grasped the psychology that many victims can't go to formal institutions such as banks to apply for loans because of poor credit information. Cheat the victim of money with high cover. As a result, the victims suffered greater losses.
I applied for a loan online, and the loan was approved, but when I got a loan, he said my bank card number was wrong. What should I do?
If the loan is made in a bank, the bank will inquire about the loan and put it on the card in your name. If the card number is wrong, it will contact you to replace the loan contract and other materials for free. If the bank card is written incorrectly, you can't receive the online loan. You must have the same card number and name to get a loan smoothly. If the bank card is wrongly written, the loan will be returned in the original way. If the loan is handled by other institutions, it is recommended that you contact the business unit and relevant personnel. You can also cancel the loan and apply for a new one later.
1. What should I do if the loan bank card is wrongly written and the line is frozen?
When a user applies for a loan, if the bank card number is entered incorrectly, resulting in the loan amount being frozen, then the user needs to contact the customer service of the lending institution for unfreezing. Generally speaking, as long as the account is unfrozen and the user rebinds a new bank card, he can continue to apply for a loan. And if you want users to spend money to unfreeze, then it is deceptive, and users must not believe it.
"Banking Supervision Law of the People's Republic of China" Article 48 If a banking financial institution violates the laws, administrative regulations and relevant provisions of the state on banking supervision, the banking supervision institution may, in addition to punishing it according to the provisions of Articles 44 to 47 of this Law, take corresponding measures according to different situations.
Second, what are the terms of the loan?
When a user applies for a loan, the basic conditions of the lending institution are: the user is at least 18 years old and has full capacity for civil conduct; Be able to provide recent bank flow, personal income certificate and good personal credit report; To apply for a large loan, the borrower must also provide collateral; Credit loans need a good reputation. This is a hard condition for handling loans. Different people go to institutions to apply for loans, and the loan amount is different because of their different credit and income.
Banks usually focus on the borrower's bank flow and personal credit information when approving loans. Because the running water in the bank can tell whether this person has good repayment ability; Personal credit information is mainly to see if there are any bad overdue records. Usually, borrowers have good performance in both aspects, and they can borrow money from banks. Banks also mainly focus on loan business. When a user needs to apply for a mortgage from a bank for buying a house, if he pays the down payment, he can go to the bank to apply for a loan with the purchase contract. Usually, the interest rate of bank mortgage loan is higher than that of provident fund loan. The specific situation can only be determined by consulting specific banking institutions.