If you apply for a loan on an online platform and the money is frozen before it arrives, you don't need to repay it.
Only when the loan funds are successfully paid to the account and used by the customer can the loan be repaid on time according to the prescribed time limit. If the loan platform insists on repayment, the customer can refuse, and collect relevant evidence to report the platform to the local CBRC or Internet Finance Association to safeguard the legitimate rights and interests of individuals. You also need to note that if there is a bank card binding platform, the platform system may automatically deduct money from it, and personal money will be damaged. In this case, it is suggested that you can unbind your bank card, give up lending on this platform, cancel your account number on this lending platform, and apply for a new loan on other platforms (it is best to borrow from a licensed consumer financial institution. After all, consumer financial institutions approved by the CBRC and holding financial licenses generally do not intentionally freeze loan funds, and do not charge any upfront fees before lending).
legal ground
Article 679 of the General Principles of the Civil Law of People's Republic of China (PRC) When a loan contract between natural persons is established, the loan contract between natural persons is established when the lender provides the loan. The loan contract between natural persons can be a paid contract or a free contract.
How to unfreeze the overdue bank card of online loan if it is frozen?
Short-term freeze: 1. Telephone banking will report the loss orally, and it will take effect for 5 days at a time. It will be released automatically after 5 days and can be operated repeatedly. 2. You can intentionally enter the wrong password for 3 times in ATM/ online banking/mobile banking, and the card will be frozen: it will be unlocked automatically after 24 hours, or you can take your ID card to the bank outlet counter to unlock it. 2. Long-term freezing: with your ID card and bank card, go to the bank counter to cancel the bank card. Freezing bank cards can be done by yourself, and it is necessary to distinguish between short-term freezing and long-term freezing. If it is a short-term freeze, you can report the loss orally through telephone banking. The loss report will take effect for 5 days at a time, and will be automatically released after 5 days. It can be repeated. You can also intentionally enter the wrong password for 3 times at ATM/ online banking/mobile banking, and the card can be frozen. If it is frozen for a long time, you need to take your ID card and bank card to the bank counter to cancel the bank card. legal ground
Article 73 of the General Principles of the Civil Law of People's Republic of China (PRC) * * * If a legal person is declared bankrupt, bankruptcy liquidation shall be conducted according to law, and the legal person shall be terminated when the registration is cancelled.
Article 74 of the Civil Law of People's Republic of China (PRC) * * * branches of legal persons and responsible legal persons may set up branches according to law. Where laws and administrative regulations stipulate that branches should be registered, such provisions shall prevail. Branches engage in civil activities in their own names, and the resulting civil liabilities shall be borne by legal persons; It can also be borne by the property managed by the branch company first. If it is insufficient, it shall be borne by the legal person.
Article 76 of the Civil Code of People's Republic of China (PRC) Definition and types of for-profit legal person A legal person established for the purpose of obtaining profits and distributing them to shareholders and other investors is a for-profit legal person. For-profit legal persons include limited liability companies, joint stock limited companies and other corporate legal persons.
The online loan alarm said that I did not receive the money for the next payment. What if the Public Security Bureau freezes my bank card?
Bank cards are usually frozen by the Public Security Bureau because your bank cards are related to some legal and public security cases. Because according to the law, the Public Security Bureau can't directly freeze personal bank accounts. Only because of handling cases or judicial needs can the Public Security Bureau report to the court to freeze the relevant bank accounts involved.
Don't worry when your bank card is frozen by the Public Security Bureau. After cooperating with the public security investigation, if there are no other problems, the account will generally be unfrozen in time.
It doesn't matter if it can't be thawed in time. The time limit for public security to freeze deposits, remittances and other property according to law is six months, and it will be automatically unfrozen at the expiration.