The second step is to collect the rational reaction in the face of profiteering. Send a statement in the circle of friends in advance to explain that you are suffering from profiteering collection, apologize for the possible harassment of everyone, and suggest that you hang up these ridiculous phones, leave new ones for everyone, and reduce the use of old phone numbers.
The third step is to understand your dishonesty and try to repay the loan. Check your credit through the credit information center to find out which online loans have entered the credit information system and which ones have not, so as to give priority to repayment. More importantly, find a job and work hard to make money, negotiate with banks or lending institutions, extend the repayment period or return it in installments.
1, the consequences of non-repayment of online loans also depend on the specific situation. If the lending institution or bank sues in the court and wins, you will face the compulsory execution of the property, vehicles, securities and deposits under your name. If you borrow an online loan and don't pay it back maliciously, then this is a civil case and you will face detention. If you borrow 7 14 online loan, try to negotiate with the institution to lower the interest rate first. If it can't be reduced, then reflect the actual situation to some financial supervision departments, remember to submit evidence of their violations, and use the law to safeguard their rights and interests.
Secondly, this issue is viewed from the legal point of view.
In addition to stopping lending, it is ultimately important to consider how to go ashore after online lending. According to the nature of the website, the following analysis of the consequences of non-repayment of online loans.
The first category is formal online lending. Everyone is familiar with formal online loans, such as Alipay. The interest rate is slightly higher than that of banks or similar to that of banks, and all of them are qualified to lend. In the face of this part of the online loan not being repaid, the first thing to face is being collected; Secondly, the credit information will turn black; In the end, it may be confiscated or prosecuted at home.
The second category is informal online lending. This kind of online loan is very common, and its typical characteristics are high interest, upfront fee, membership fee, short loan period and terrible collection. At least 98% of cash loans are not compliant! IOUs, 7 14 micro loans, cash loans, etc. You can hardly find one that fully meets the national regulations. If this part of the online loan is not returned, the online loan company will lose a lot and there will be no other legal consequences!
The third category is formal in name but informal in fact. Usually online lending platforms, such as Nine X and Pai X, etc. Most of them belong to p2p, and claim to be compliant for qualification reasons. However, its actual operation is on the edge of the law, and there are irregularities in many places.
Legal basis:
Criminal law of the people's Republic of China
Article 266 Whoever defrauds public or private property in a relatively large amount shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also or solely be sentenced to fixed-term imprisonment of not less than three years but not more than 10 years, and shall also be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined or confiscated. Where there are other provisions in this Law, such provisions shall prevail.
Article 192 Whoever illegally raises funds by fraudulent means for the purpose of illegal possession shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years; if the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than seven years or life imprisonment and shall also be fined or confiscated.
If a unit commits the crime mentioned in the preceding paragraph, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding paragraph.
Article 49 of the Law of People's Republic of China (PRC) on Public Security Administration Punishment: Whoever steals, swindles, robs, robs, extorts or intentionally damages public or private property shall be detained for more than five days and less than ten days, and may also be fined less than 500 yuan; If the circumstances are serious, he shall be detained for more than 10 and less than 15, and may also be fined less than 1000 yuan.
Brief summary:
The loan investment has been cheated. What should I do if the loan hasn't arrived yet? It is necessary to call the police in time and provide relevant information and clues to the police as much as possible so that the police can investigate in time and pursue the legal responsibility of the other party according to the investigation: 1. If the amount of fraud is relatively large and the other party constitutes a crime of fraud, criminal responsibility may be investigated in accordance with the provisions of Article 266 of the Criminal Law. 2. If it does not constitute a crime, it may also be punished by administrative punishment of detention and fine by public security organs.