There are more and more loan platforms, so borrowers must carefully choose the platform when handling loans and clearly understand the cost of the platform. Most loan platforms will deduct fees only if the loan is successful, but some loans will also deduct fees if they fail. Then, what if the loan fails and the expenses are deducted? Here are some ways to deal with it.

What if the loan fails and the expenses are deducted?

There is no handling fee before the formal loan platform lends money. If the loan fails, the borrower will not deduct the fee, and only after the loan is successful will the money be deducted on the repayment date. However, some platforms do not have pre-lending fees, but they have paid members. If the lender opens a member himself and then borrows money, even if the loan fails, the fee will be deducted.

Moreover, as long as the platform is not a mandatory member, it is normal for the lender to agree to the default fee if it is voluntarily opened. As long as the loan platform does not declare that it is open to members, it will be able to make money, so there is no need to refund money. Therefore, borrowers should make clear the relationship between members and loans, and then decide whether to open members after thinking clearly.

It should be noted that some loan platform membership fees are charged at one time, and some are charged on a monthly or annual basis. In order to avoid further deduction, the borrower must cancel the membership service. After the expiration of membership service time, there will be no automatic deduction and renewal.

If you really want the loan platform to return the deducted money, you can try this:

1. Contact the customer service of the loan platform directly, tell them that the loan failed and ask them to refund the membership fee. Although it is unlikely, they may actually give a refund after at least trying the bottom.

2. Collect certificates that can prove that the platform is irregular, such as not having the qualification for lending. And complain to the regulatory authorities, such as the China Banking Regulatory Commission and major complaint websites. , and negotiate a refund with the other party when the platform actively contacts itself.

The above is the relevant introduction of "What to do if the loan deduction fails", and I hope it will help everyone.

After some loan platforms paid membership fees, the loans failed to pass the audit.

Hello, regular loan platforms generally don't charge pre-loan fees for any reason, so be careful when you encounter them. If you need money urgently, you can consider using loans to relieve the pressure, and at the same time try your best to make money. There are many ways to apply for a loan now. You can apply for a loan from the bank by mortgage. A more convenient way is to apply for a personal credit loan. It is recommended that you choose a formal platform when applying for a loan to better protect your personal interests and information security.

I recommend you to use the money flower, which is a credit service brand under Du Xiaoman Finance (formerly Baidu money flower, renamed as "money flower" in June 2065438+08). Big brands are reliable and trustworthy with low interest rates. Rich people launch consumer credit products for individuals. The maximum loan amount is 200,000 yuan (click the official calculation), and the daily interest rate is as low as 0.02%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security.

Share with you the application conditions for rich flowers: the application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.

This answer is provided by Youhuahua, please borrow it reasonably according to your needs. Specific product-related information is subject to the actual page of Youhuahua official APP. I hope this answer is helpful to you. Click on the bottom of the phone to measure immediately! The maximum loanable amount is 200,000.

What should I do if I don't refund my membership fee without the next payment in the extreme wind race?

If the loan membership fee is not refunded, the user can choose to negotiate with the lending institution and ask the lending institution to refund the membership fee. If the lending institution still refuses to refund the fee, it may complain to the relevant departments.