Generally speaking, people who send messages are collection companies or scammers. Moreover, you have paid back the principal, and the rest is interest, which is completely out of line with the conditions for filing a case. However, it is necessary to repay the loan in time. In order to prevent the lender from being unable to repay the loan in time due to forgetfulness or rest days, the general bank will give a two-day grace period after the loan expires, and repay the loan within two days after the expiration, which is generally not regarded as overdue repayment and does not affect personal credit information. Lenders need to repay bank loans on time. If they are overdue for two consecutive months, they will be included in personal credit information, which will affect personal credit. Credit stains are difficult to eliminate, so lenders must pay attention to personal credit records.
If the online loan fails to perform the repayment agreement or the effective judgment, it may apply for enforcement according to law. If the lender fails to perform the debt, the borrower's creditor's rights are infringed, and the borrower goes to the private sector to ask the lender to repay the debt, and decides that the lender will repay the creditor's debt within the prescribed time limit. If the debtor fails to perform the judgment, the creditor may demand compulsory execution and seal up the debtor's real estate, bank deposits and securities.
1. When the debt is due, you can ask the other party to repay the arrears and interest immediately. If there are actual economic losses caused by it, you can ask the other party to compensate together.
Second, if there is an agreement on the interest of private lending, it shall be handled according to the agreement, and the agreed interest shall not be higher than 4 times the interest of bank loans in the same period. If there is no agreed interest, you can ask for payment according to the bank loan interest for the same period, and the other party agrees. But if the other party doesn't agree, it usually won't be supported in practice. There are many ways to recover the arrears, such as negotiating with the other party and asking the other party to pay. Negotiation is a good way.
If negotiation fails, you can entrust a lawyer to send a lawyer's letter to the other party. The lawyer's letter can remind and warn the debtor, urge the other party to repay in time and bear the liability for breach of contract, which is much more convenient than taking judicial channels, but the lawyer's letter is not mandatory. If the other party refuses to return it, it will eventually need to file a lawsuit.
If no one can be found, a default judgment can be served to the public. After you get the winning judgment, you can apply for enforcement by providing clues of the other party's property such as vehicles, houses or deposits in the other party's name, and freeze the auction of the above-mentioned property to repay your debts. If there are IOUs, you can use IOUs as evidence. If there is no IOU, you can use other evidence, such as loan agreement, bank transfer record, telephone recording, witness testimony, etc. , which can prove the fact and amount of arrears.
4. The limitation of action for creditor's rights and debts is 2 years, counting from the date when he knew or should have known that the infringement occurred.
Second, I froze the defendant's salary, and the defendant was unable to repay me, so I applied for enforcement. ...
You are so capable that you can freeze your salary.
3. Ping An Bank sent a text message saying that it has applied for enforcement?
Unreliable information is also against the law.
The bank sends the information of applying for enforcement to the customer, which belongs to the act of informing the parties, and it will bear legal responsibility. This information is also unreliable, and the official documents shall prevail.
4. What if Ping An Bank enforces it?
You can tell the other party that according to Article 68 of the Measures for the Supervision and Administration of Credit Cards of Commercial Banks, the issuing bank shall collect money from the debtor himself and his guarantor, and shall not collect money from a third party unrelated to the debt, and shall not intimidate, abuse or threaten the debtor with violence. And record the collection process and keep it for two years for future reference! If the credit card is unable to repay, threatening to harass and collect for many times, and the address book is exploded, tell the collection directly: the arrears belong to my personal privacy. If you can contact me in person, please don't contact my relatives and friends. Your behavior violated my privacy, and I have the right to report it to the relevant departments. But this can't solve the related problems. The collection will stop only after you pay off your debts or negotiate with the bank for personalized installment repayment, so you can try to apply to the bank first within your own ability!