2. Credit cooperatives have nothing to do with banks. At most, credit cooperatives sue you.
But if you really sue, don't be afraid This is their illegal loan.
3, there should be no evidence. In fact, once the responsibility is investigated, which guarantor should be the biggest, you will be fine.
There is a time limit for IOUs. After a period of time, they have no effect, usually about two years. Please consult a lawyer for details.
5. If there is no credit limit, it is similar. If the relationship is good, there will be more loans. If it doesn't matter, it will be difficult to get a loan. At the beginning, you need 20 thousand yuan at most as a guarantor or deed.
6. It has nothing to do with the bank, and it is useless for you to complain. Of course, you can explain the situation to the local credit union. Most importantly, once the guarantor is investigated, it is the first responsibility. It should be said that he is fraudulent. You're not serious. Don't worry.
7. Credit cooperatives are all related households, and hundreds of thousands of acquaintances can get loans. It doesn't matter. Without a guarantor, you can't get a penny.