I know your situation. The actual loan is 80,000 yuan. According to the contract, the loan amount is 1.2 million yuan, right? Haha, congratulations on being cheated. Look carefully, the contract is the loan amount, not the repayment amount. Where is the pit? Let me calculate it for you. Loan for three years, with monthly repayment of 38 15.38 and monthly repayment of 3815.38× 36 =137353.68 yuan. This is the actual amount of your total repayment, and the total interest is: actual repayment amount 137353.68- principal 80000=57353.68 yuan, and the monthly interest is: total interest 57353.68÷ principal 80000÷ total term (three years =36 months) 36= monthly interest 0. The monthly interest rate is ×% 100=% 1.99, the annual interest rate is × 12=%23.89, the annual interest rate is 23 cents and 8 cents, and the daily interest rate is 0.0 199÷30 days = 0.00. Now you know why you didn't pay. You concealed the repayment amount and interest. You dare to borrow without knowing the actual interest. As for the money, I suggest you don't pay it back. In short, friends in this public credit industry don't go to the credit bureau. I don't believe you can search the credit bureau in Baidu to see if there is any loan for you. When they call for money, they must ask their names and work numbers clearly and make a recording. Then you charge them, because they owe you money. How much do they owe you? We're trying to find out. You applied for a loan of 80,000 yuan, but the contract shows that the loan amount is1.20 thousand, which means they still need you 40,000 yuan, right? The evidence is your next bank card. Look at the date of the next payment on your bank card. Time is accurate to the second. The breakdown is 80,000 yuan or 1.2 million yuan. Haha, so they owe you 40 thousand. According to their interest, you have paid back the money for eight months, that is to say, they owe you eight months' interest, and the monthly interest is 40,000× 0.0199× 8 = 6,368 yuan, plus 40,000 = 469× 8 yuan. This is the money they owe you.

If they dare to call and harass your relatives and friends, they will definitely pretend to be the bank where you repay your card. Then you can make a recording and ask the customer service of that online shop, what's its name and job number. If they dare to name their work number and outlets, you can check with a fake bank to see if this bank has this person. If not, that's easy to say. Give the recordings to the bank, clean them up and file them with the public security bureau. If you are threatened by a liar, you can check it out. Then I warned that there was customer service. I recorded every harassing and threatening phone call you made and filed it with the Public Security Bureau. I also checked the contract with my lawyer. If you don't pay back the money you owe me, wait for me to sue you.

Now the country is cracking down on usury, and they dare not come to you. If they dare to come to you, they will report the case and they will be arrested. You can't sue, even if you do. The loan is a civil lawsuit, and it will not go to jail, be forced or violate the criminal law. The important point is that you can also sue them for not paying back the money they owe. At this point, you can record the WeChat video exchange and see if their friends can still do business. Most importantly, don't worry about your credit information being hacked.

As for why I know so much, a very responsible person tells you that I used to do this. After my friend asked me for a loan, he finally found out that he had been cheated and kept asking me for something. At first, I thought it was a friend who wanted to default. Later, I found out that this was really the case. I immediately woke up and helped them get rid of the harassment of usury. Now seeing so many netizens suffer from usury, their conscience is uncomfortable again. Now all kinds of comments, I hope to help one.