If the online loan cannot find the APP, in order to repay the loan smoothly, the borrower can call the service hotline of the loan platform to contact the customer service staff to inquire about the APP and ask the other party when the APP will be restored. If it cannot be recovered temporarily, let the other party provide another new repayment channel for its repayment.
If no one answers the phone, the borrower can try to find the official WeChat account, applet or Alipay life number of the loan platform to see if he can contact online customer service.
It should be noted that if the automatic repayment function is enabled on the loan platform, even if the APP cannot be found, it is only necessary to ensure that the funds in the repayment bank card are sufficient, because on the repayment date, the platform system will automatically deduct money from it to complete the repayment.
If it is found that the loan platform intentionally removes the APP, resulting in overdue payment, thus charging overdue fees, the borrower can collect relevant evidence and report the loan platform to the local CBRC or China Internet Finance Association.
What should I do if I can't find repayment under the online loan line?
If you can't find the repayment under the online loan, wait patiently for the platform to resume normal operation. If it is closed down or investigated by the police, the police will report it and write down the corresponding repayment channels in the report. Online lending platforms generally have no repayment channels. There are two possibilities: one is that the platform is being maintained, and the other is that the online lending platform is closed down or investigated by the police.
The loan software has been deleted. How can I repay it?
Some users ask for help, saying that they have been using a loan software and found that the software was accidentally deleted. I don't know what to do and I can't repay it. Then the loan software was deleted, how to repay it? I made a few tricks for him, and users who have the same experience can learn about it. In this case, you can try to do so.
The loan software has been deleted. How can I repay it?
1, repayment record
No matter through what channels, as long as it is not the first repayment, you can find the repayment record. Generally speaking, payment methods can be Alipay, WeChat, bank card, etc. , you can check from these aspects. As long as there is repayment information, you can see the name of the software, download it again, and sometimes the collection company will be displayed. You can search the company information and find the corresponding software.
Step 2 browse records
If you can't remember the name of the software, you can check whether you have searched official website or related information on your mobile phone browser or computer browser, and you can know what kind of loan you are handling.
3. SMS/WeChat /QQ/ email
As long as you apply for a loan, the organization will send a notice through SMS or WeChat, email, QQ and other social channels. , such as invitation to start business, approval, successful loan, notice of receipt, etc. You can find the name of the software through this information.
Step 4 remember
If you have an impression of some loan products, but can't remember which software it is, you can search for relevant information in the application market. As long as you download them, the application center will have installation packages or download traces.
The above is about how to repay the loan after the loan software is deleted. Everyone should find a repayment channel as soon as possible to avoid adverse effects after overdue.
What should I do if I can't find a repayment platform after the payment is overdue?
There are still many people who want to repay when the repayment period is up, but they can't find the repayment entrance. What's going on here? The failure to find a repayment entrance may be the situation that many online loan users want to encounter most. After all, I always thought that after the platform closed down, I didn't have to pay back. So what should I do if I really encounter this situation?
I. Personal Credit Report
You can see whether your loan has credit by querying personal credit report. If so, it is basically a formal financial company. In this case, even if there is a problem with the other APP, you should take the initiative to contact the other party and return it through online banking or other channels, otherwise the consequences of overdue will be very serious.
Second, the informal online lending platform
In the informal online lending platform, the general interest rate exceeds the national legal usury limit. In this case, the information of online loans is not entered into the personal credit information system, so the impact of overdue is very small, but it does not mean that it does not need to be returned, because many online loans do not accept credit information, but there are also access to online loan big data. Friends who don't know their big data credit status can check their own situation in June 1st data and save relevant data. As long as you find this official WeChat account, you can know your long-term lending records, debt details, untrustworthy information, overdue details of online loans, and blacklists. Therefore, after the deadline, personal credit will also be affected, and the collection methods of these platforms are omnipotent.
For this kind of loan, your first way to deal with it is to check whether the operating company of this platform is still operating normally or has gone bankrupt. If the enterprise is still operating normally and there is no relevant bankruptcy or running information, then you should be wary of routine loans, that is to say, the online lending platform deliberately removes the APP and shuts down the server, so that you can't use it, and then come to you and say that you have breached the contract and need to pay a high penalty. In this case, it is necessary to keep the corresponding evidence to prevent the occurrence of routine loans. Of course, conventional loans are rare. After all, the impact of removing the APP is still quite big.
The most likely situation is that the main operator of this APP ran away or went bankrupt, and failed to continue to pay to maintain the use of the APP's server, so your APP could not be used normally, and the APP was removed because of the thunderstorm. For details, you can inquire about the location of the main body of APP operation and call the local public security phone to learn more.
Of course, the platform closed down, but there is no need to repay for the time being. The liquidation group led by the public security organ can still collect the debts of the platform. If you encounter a collection, you still have to cooperate. After all, the collapse of the platform still has recourse to creditor's rights. But the overdue interest is not yours, because it is not your subjective expectation.
Generally speaking, when you can't find the repayment entrance, the first thing to do is to check the personal credit report to see if it is on your personal credit report; The second thing to deal with is to see if the platform has been struck by lightning, and then proceed to the next step according to the relevant situation. If the platform carries out normal collection in the later stage, it still needs to cooperate. If the platform goes bankrupt, it still has the right to pursue the creditor's rights. If you don't cooperate, you are likely to be included in the list of untrustworthy people, which will be in trouble.