Bai Qian owes 6000 yuan in finance. I sent you a message today saying that I want to freeze your bank card, WeChat and Alipay. Your privacy has turned off WeChat and Alipay, and your mobile phone number has been searched. Bank cards have no money, third parties or stock accounts have no money, no cars, no commercial real estate, companies, including all kinds of financial insurance. It went to court, so I hope you really don't pay back a penny.
If you owe an online loan, go to the People's Bank to print a credit report first. If the credit report does not show that there is a loan record, then you only need to return the principal. As for freezing payment functions such as WeChat, general institutions cannot close them. So, this is not true.
It cannot be frozen. If the bank card is to be frozen, it can be enforced by the court. Other institutions cannot freeze bank cards. It will not urge borrowers to send and receive short messages, nor will it freeze or sue bank cards. If the user receives a similar collection message, it is likely that loans overdue has not handled it on a certain platform, so the platform collection will put pressure on the debtor to urge him to repay.
It is suggested that when you receive a similar text message or phone call, you can check whether it is overdue on the platform first, and then contact the platform for repayment. Otherwise, the longer the delay, the more serious the cumulative consequences of personal dishonesty and penalty interest will only be caused.
The impact of online lending big data on individuals is to apply for new loans, which is difficult to re-approve. Although online lending is very convenient now, we must spend rationally, pay attention to repayment on time, and maintain our credit record.
Long-term application for online loans must pay attention to your own online loan big data to prevent it from becoming a blacklist of online loans because of blind application.
Just need Weixin search: Sixi data. Click Query, enter information to query your own 100-line credit data, which come from the national online lending platform and UnionPay. Users can query their own big data and credit status, obtain various index data, and query their own personal credit status, blacklist status, online loan application records, application platform types, online loan credit line estimation and other important data information.
Compared with the central bank's personal credit report, online lending big data has a wider scope and more diverse institutions. It is a part of personal credit records and a useful supplement to the traditional personal credit report.
Is it true that Baiqian Finance Company said it would sue me for overdue 4,000 yuan?
First of all, answer directly.
This is not true.
Second, the specific analysis
Bai Qian's financial overdue of 10 thousand yuan will not be prosecuted immediately, but it will have the following effects after it is overdue:
1, reported to the central bank's credit information system.
2. High penalty interest. Almost any loan product will generate high penalty interest when the user is overdue.
3. fancy dunning. In the case that Baiqian Finance is overdue, Baiqian staff will start sending text messages or making phone calls to users. However, when this dunning method doesn't work. Someone may be sent to dunning, or the family members of overdue users may be contacted to help dunning.
The defendant went to court. After urging by hundreds of financial means, if the borrower is still unwilling to repay and the loan amount is too large. The borrower can be brought to court, if the borrower still fails to repay the loan under the court's judgment. Then, it may be pulled into the "blacklist" of dishonesty, which will have a great impact on future life.
Although online lending is more reliable, its application is relatively simple and should not be used frequently. It can only be used as an emergency choice. Frequent application for online loans will lead to changes in credit information and big data of online loans. Nowadays, more and more online loans rely on credit information, and Baiqian Finance is no exception. Even if the online loan is not overdue, the application and use records will remain in the credit report. Frequent application records will reflect the person's poor financial situation. At this time, getting a card or a loan will be affected to some extent.
The impact of online lending big data on individuals is to apply for new loans, which is difficult to approve. Although online lending is very convenient now, we must spend rationally, pay attention to repayment on time, and maintain our credit record.
Long-term use of online loans must pay attention to your own online loan big data to prevent it from becoming a blacklist of online loans because of blind application.
Just search: quick view of the shell tip. Click Query, enter information to query your own 100-line credit data, which come from the national online lending platform and UnionPay. Users can query their own big data and credit status, obtain various index data, and query their own personal credit status, blacklist status, online loan application records, application platform types, online loan credit line estimation and other important data information.
Compared with the central bank's personal credit report, online lending big data has a wider scope and more diverse institutions. It is a part of personal credit records and a useful supplement to the traditional personal credit report.
Can Baiqian Finance drag others into the second-generation credit blacklist?
Baiqian Finance can pull others into the second-generation credit blacklist.
Baiqian Financial Blacklist Inquiry: Those who make overdue payment due to credit will not be directly included in the list of people who have lost their trust. -Under normal circumstances, the system will report it to the central bank and leave a bad credit record in the personal credit report.
If it is overdue for a long time, after more than 90 days, the loan platform is likely to bring a lawsuit to the court for those customers whose overdue circumstances are serious and the overdue amount is large. If the customer refuses to repay after the court's judgment, the court is likely to include the customer in the list of people who have the ability to perform but refuse to perform the obligations stipulated in the effective legal documents.
I owe 4000 yuan to Baiqian Finance Company. Credit report or blacklist at the meeting?
The financial company that owed Bai Qian never returned the credit report.
Baiqian Finance is connected with the credit information system of the central bank. If the user loans overdue, will be directly registered in the personal credit record. In Baiqian Finance, no matter whether users apply for installment loans or cash loans, as long as users are overdue, they will report credit information, which will affect users' personal credit, and the platform will continue to charge users overdue fines.
One: What are the qualifications for issuing loans?
A company must meet the following conditions before it is eligible to issue loans:
1. The company must be an enterprise approved and registered by the administrative department for industry and commerce;
2. The company has a fixed business place and necessary business facilities, and is responsible for independent accounting, self-financing, independent operation and independent civil liability;
3. The company has a sound financial accounting system, and must provide the bank with operating instructions and statistical statements when issuing loans;
4. The company abides by national laws, regulations and policies and operates according to law;
5, the company industry national policy allows, encourage the development of the industry.
Two: What is usury?
Usury refers to a loan with extremely high interest. It came into being at the end of primitive society and was the basic form of credit in slave society and feudal society. In other words, before the emergence of capitalist society and the establishment of modern banking system, private lending was of high interest.
According to the provisions in the Notice of the People's Bank of China on Banning Underground Banks and Combating usury, the interest rate of private personal loans shall be determined by both borrowers and borrowers through consultation, but the interest rate determined through consultation between the two parties shall not exceed 4 times (excluding floating) the loan interest rate of financial institutions of the same grade at the same period announced by the People's Bank of China. Those who exceed the above standards should be defined as high-interest loans.
The Supreme People's Court's "Provisions on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases" stipulates in Article 26:
If the interest rate agreed between the borrower and the borrower does not exceed the annual interest rate of 24%, and the lender requests the borrower to pay interest at the agreed interest rate, the people's court shall support it.
The interest rate agreed between the borrower and the borrower exceeds the annual interest rate of 36%, and the interest agreement in excess is invalid. The people's court shall support the borrower's request to the lender to return the part of the interest paid that exceeds 36% per annum.
As can be seen from the above, since the Supreme People's Court's Provisions on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases came into effect on September 1 2065, the standard of usury is no longer based on whether the annual interest rate exceeds 24%, but on whether it exceeds 36%, that is to say, it does not belong to usury.