If there is no evidence of routine loan, the public security organs will generally not accept it, but will only consider it as a normal private loan, and the parties can only continue to collect evidence. When collecting arrears, regular loan personnel should record and save evidence such as transfer records in time, and then report the case.

Evidence collection of conventional loans;

1. Save loan contract, transfer record, general recall, etc.

In the final analysis, "routine loan" is a criminal act that combines fraud, extortion and other illegal means. Its existence itself is illegal, and it will eventually return to asking for "inflated loans". By keeping the loan contract, collecting bank transfer records and total recall records, the source of the amount of "inflated loans" is reasonably explained.

2. Unreasonable charges such as retention of deposits and interest.

The profit-seeking behavior of "routine loan" gangs in the process of "routine loan" often leaves fatal loopholes for them, and tries to avoid non-trace ways such as cash delivery to make them illegally profit.

3. Keep all recall records of non-issuance of loans.

Victims are often refused to lend on the grounds of breach of contract by "routine loan" gangs, and repeat the routine through the so-called "flat account" to achieve the "snowball" effect of "inflated loans". By keeping the call record, you can restore the details of the "routine".

4. Keep the indictment obtained through false litigation.

"Routine loan" gangs are a group of "knowledge-based" criminal gangs. They generally know the law and break the law. Faced with stubborn resistance, victims often threaten to sue and seal up their houses. At this time, the indictment obtained by the "routine loan" gang through false litigation can be the best proof of extortion.

5. Keep videos, recordings and other evidence of violence.

In order to achieve the purpose of demanding "false high loans", sometimes "routine loan" gangs will take risks and violently "collect money". At this time, keeping relevant videos, recordings, images and other evidence can provide important reference for future conviction and sentencing.

If you are sued for arrears, you should pay back the money immediately after receiving the court summons. If not, the people's court may make a judgment and order the debtor to pay back the money. If the party fails to perform it, it may be enforced. If there is no way to enforce it, the general court will decide to suspend the execution, that is, not to enforce it first. When the other party determines that it has the ability to repay, it may apply to the court for enforcement.

Legal basis:

People's Republic of China (PRC) Civil Procedure Law

Article 243 If the person subjected to execution fails to perform the obligations specified in the legal document according to the notice of execution, the people's court has the right to detain and withdraw the income from which the person subjected to execution should perform the obligations. However, the necessary living expenses of the person subjected to execution and his dependents shall be retained. When withholding or withdrawing income, the people's court shall make a ruling and issue a notice of assistance in execution, which must be handled by the unit to which the person subjected to execution belongs, banks, credit cooperatives and other units with savings business.