The service fee was refunded because it was reported. In March, 2020, he borrowed 20,000 yuan from Hengyi Loan app, and actually received 16270 yuan in the 24th installment. He repaid 1 159.23 yuan every month, with a total repayment of 2,7821.52 yuan (excluding beheading interest of 3,730 yuan), with an annual interest rate as high as 5,790 yuan. On the repayment date (May 10), Hengyi Loan didn't charge me and my family (playing word games) one day in advance (May 9), so I replied to Heng Chang Customer Service 957 13 on May 9, requesting to refund the beheading interest, adjust the interest rate and cancel all illegal charges. The customer service replied in the official language, "1~3 days need to be reported for processing, and there will be no collection call during this period", so in May 10 and1,I didn't wait for a reply except for the collection. Even in May 1 1, I transferred my mobile phone to 178 * * * 3672 collection! Now, due to the failure of Hengyi loan processing, I am overdue, and the customer service of the whole platform is chaotic and the business is vicious. I hope that the relevant departments will rectify and severely investigate. So I was investigated.

1. How to wash away too many online loan applications:

1. You can choose partial settlement first: the amount of online loans is mostly small. It is suggested to list some factors that affect credit reporting and pay it off as soon as possible, so as to reduce your debt ratio and avoid leaving a tainted record due to overdue.

2. Reduce your application record: six months ago, don't apply for online loans or other loans from banks. It is best not to apply for a credit card. Leave a recovery period, let the risk index return to below, and it will be easier to apply for a loan in the future;

3. Don't use online loan links indiscriminately: Some loan products don't just get credit information when you apply. Sometimes even if you click in and have a look, you will leave a record, so you must take care of your hands and not mess around.

4. Repay on time: Don't forget to repay all the loans and credit cards in your name on time during the credit investigation, and don't be overdue. Overwrite the previous record with a good record.

Second, the impact of overdue loans.

1, and bear the higher overdue fee. For overdue fees, different online lending platforms have different names and different charging standards. Whether it is called overdue penalty interest, overdue management fee or other names, the charging standard will be very high. Therefore, those who have the ability to repay on time should never be overdue.

2. Bear the pain of platform collection in various ways. Collection is generally divided into three stages: in the first stage, when you are just a few days overdue, the platform customer service will warmly remind you that it is overdue and let you repay on time; In the second stage, the overdue time is relatively long, and the platform customer service will give a serious warning, and then it will face serious consequences if it is overdue; In the third stage, after a long overdue period, the platform will begin to take practical actions for collection. For example, the platform will continue to send you and your relatives and friends a lot of collection information, which will seriously affect your daily work and life;