How to complain about the loan platform

At present, you can report directly through the 12315 complaint hotline, but also through the "national 12315 Internet platform official website" for online reporting. Specific reporting process 1, in Baidu, Sogou, 360 search tools such as enter "12315"; 2, to find the "National 12315 Internet platform official website", and click to enter; 3, enter the official website, you can see the "I want to complain" and "I want to report", click on "I want to report"; 4, spend a few minutes to carefully read the "reporting requirements 4, spend a few minutes to carefully read the "reporting instructions". After clicking "agree"; 5, according to the page prompts to find their own want to report the online lending platform, in turn, fill in their personal information, business information; 6, in the completion of filling out the information, you can submit a report. In general, 12315 arrangements for the business sector will be reported within seven working days to verify, and decide whether to file a case, special circumstances will be extended to fifteen working days. After filing, the relevant departments will be filed within ninety days from the date of the decision to deal with the case, the complexity of the case can be extended for thirty days. Legal basis of the Chinese People's *** and National Code, Article 8 of the civil subject engaged in civil activities, shall not violate the law, shall not be contrary to public order and morals. Article 33 of the Guarantee Law Article 33 of this Law refers to a mortgage, which means that the debtor or a third party does not transfer possession of the property listed in Article 34 of this Law, and uses the property as security for the claim. If the debtor fails to perform the debt, the creditor has the right to be compensated in priority for the debt in accordance with the provisions of this Law at a discount to the value of the property or at the price of the property sold at auction or on sale. The debtor or a third party provided for in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property for which security is provided is the collateral. Article 46 The scope of the mortgage security includes the main claim and interest, default, damages and costs of realizing the mortgage. If otherwise agreed in the mortgage contract, it shall be in accordance with the agreement.

I want to complain about Ping An P&P company, how to complain

1, in many loan contracts, Ping An P&P will indicate the early repayment of the liquidated damages calculation, you can check the contract;

2, call Ping An P&P loan customer service telephone is: 0353-6222-678. request customer service personnel Help to inquire about the default payment calculation of their own products;

3, through the Ping An P&P loan WeChat public number to contact the loan specialist, to ask them how much the default payment of early repayment of Ping An P&P loan.

After the introduction of the content about the default penalty, Xicaijun will introduce you to the specific method of early repayment.

1, through the computer login Ping An Puhui loan website, in the personal loan account to find the order to return early, according to the system prompts the amount of the remaining loan principal, interest, and early repayment of liquidated damages.

2. Download and log in to the Ping An P&P mobile app, enter your loan account, find the loan order you intend to return early in the order section, and choose to repay all of it.

3. Contact the account manager who provides the service for you, and go to Ping An P&W's offline business outlets to make repayment.

Expanded Information:

Ping An P&P has established a full set of risk management mechanisms, including credit risk management and credit management systems. This includes a centralized risk control mechanism that runs through the entire process of credit before, during and after the event, adopting a cyclical risk management approach, and monitoring customer information dynamically in an all-encompassing and uninterrupted manner through the regular business department, the approval and risk control center and the risk control department, as well as through the three lines of defense.

In addition, Ping An P&P's big data advantage accumulated over the past 11 years to innovate the risk control model and learn from the international consumer credit industry's leading technology, and constantly optimize our risk control model, so that customers can be in the model, to obtain more dimensions of the assessment, and constantly improve credit risk management and credit management system of the centralized risk control management mechanism.

Meanwhile, the scorecard model used by Ping An in the field of inclusive finance draws on the leading technology of the international consumer credit industry and combines with its own business data accumulated over the years to comprehensively assess customer risk based on credit records, customers' natural attributes, and third-party big data information.

Banks delaying early repayment of loans can be complained

1, the user to early repayment of loans is required to apply, the bank after receiving the application will be examined, and not immediately have the results. In the case of mortgage loans, for example, generally need to advance a month, so be patient.

2, if the loan contract has a clear stipulation on the early repayment of loans, the user to meet the conditions of the premise of the other party is still dragging, it is possible to complain to the head office.

Bank loans are a kind of economic behavior in which the bank lends money to the person who needs it at a certain interest rate according to the national policy and agrees on a deadline for returning it.

Bank loans generally require guarantees, home mortgages, proof of income, and good personal credit in order to be applied for, and the types of loans that are classified according to various criteria vary from country to country and from one country to another at different times of development.

Basic Definition

A bank loan is an economic behavior in which an individual or a business lends money to a bank at a certain interest rate to an individual or a business in need of funds according to the policy of the country in which the bank is located and agrees on a deadline for its return.

Loan tips

More and more after 80 loans to buy a house to buy a car, for a moment, the bank provides the loan business has become the era of the "new favorite". But want to succeed in the bank loan or a little difficult, in some specific time to get a loan is not easy. Here are a few tips on how to get a successful loan, which I hope will help more people to get a successful loan.

Reason for borrowing: When a lender applies for a loan, the reason for the loan should be honest and clear, detailing the purpose of the loan as well as the personal advantages of repaying the loan. For example, a good personal credit record.

The amount of money borrowed: the amount of money borrowers apply for loans in the bank should not be too high, because the larger the amount of money, the higher the possibility of failure, however, this is not what the lenders want, they certainly do not want to see their own loan funds in half a month, but also do not see the release of the movement of the money. If a lender is applying for a larger loan, it is recommended that you reduce the loan amount appropriately, so that the hope of passing the bank's review is also greatly increased.

Borrowing instructions: Fill out the application in detail, the purpose of borrowing, personal credit history, source of income, repayment ability and family income and so on. In order to ensure that your borrowing no matter when, where and under what circumstances, you will be able to repay the loan on time.

Loan repayment: After the borrower successfully applies for a loan, it is necessary to repay the loan according to the stipulated time, do not appear to be lucky, delay the repayment time, which will result in a bad personal credit record. In addition, the relevant departments will do their best to recover the defaulted loans.

Complaints about the bank supervisors bank did not give the loan contract

Can complain.

If a customer applies for a loan in the bank after the bank did not provide a loan contract, it is natural that you can go to the other side, after all, the loan contract is one of the most important evidence as a proof of borrowing and lending relationship, the bank is in breach of contract if it does not give the loan contract.

But it should be noted that sometimes the loan process is complex, the customer does not get the loan contract on the spot, but after signing the loan contract of ten to twenty days, such as the bank will be followed by all the formalities, and only then will the loan contract to the customer. Also, if you are doing a purely online loan product, then the bank will naturally not provide a paper version of the contract, the customer just need to sign a good electronic version of the loan contract on the line.

Commercial bank loan contract is not stamped to whom to report

Banking Commission. According to the query relevant information shows that reporting banks can first to the CBRC and then to the local police station. Bank loan contract refers to the bank or other financial institutions for the loan and the person's loan contract, also known as loan contract, loan contract or credit contract.