Let me tell you a real example of my loan in Baiqian. I applied for a cash loan in this company on October 27th, 20 15/KLOC-0. The service was very good at first, and the people who called and answered the phone gave me a professional feeling. Therefore, I trust this company. When my loan reached 15 installment, I paid it back seven days late because of something at home. In the past, each installment was repaid on time, but only this installment was repaid later. On the seventh day, I saved money and didn't deduct it that day. The next day, I called their company to ask for a quick deduction, and they also said that the deduction had been started. As a result, there was still no charge the next day, so I continued to call. This has been pushed to the ninth day. When I contacted, I said I would pay the overdue fee, 50 yuan, but I received 30 yuan on the public micro-signal. The employee and the public micro-signal are inconsistent, and I have been deducting money. Their company has been withholding money in order to collect overdue fees of tens of yuan (according to their company's regulations, returning within ten days is not overdue and will not cause any formalities). This company was willing to lend me money when I had no money before. I am grateful, and I always pay back the money sincerely. Only this time, my father was ill and returned seven days late, and I really realized the darkness of this company. It's really irritating, and the quality and accomplishment of the staff shocked me. Here, I really want to remind those who intend to apply for loan business in Baiqian that loans really need to go through formal channels. I have appealed to my relatives and friends not to do business here.