1, online lending belongs to private lending, so the non-repayment of online lending is only civil from a legal point of view and does not need to bear criminal responsibility. Therefore, the general online loan is overdue, and the other party only takes the means of collecting first and then collecting. There are not many examples of online lending. Even if the borrower finally decides to repay the principal and interest, the borrower only needs to pay back the money, which is not a big problem and does not need to bear criminal responsibility.
2. Article 201 of the Contract Law: If the lender fails to provide the loan according to the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses.
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First, sending you flowers is not bank credit, but linked to Alipay Sesame Credit. When you have overdue repayment or malicious breach of contract on the flower delivery platform, you will go to the credit information system of Sesame Credit to reduce Sesame Credit, thus Alipay will affect the use of other functions.
At the same time, in order to urge overdue customers to repay on time, you will be required to fill in a lot of relevant information when borrowing, including the contact information of relatives and colleagues. When you are overdue, the customer service staff will contact other emergency contacts, which will bring unnecessary influence to your social credit. So I suggest you borrow money and repay it on time as agreed.
Second, your favorite flower is a small loan software for college students and company white-collar workers. "Flowers for You" is based on mobile APP, and users are mainly 20-30 years old, mainly young people. Unlike other online loans, it is positioned as a small loan, with a general amount of several thousand, not exceeding 10,000, but it is much faster to review and make the next payment, which is also a major feature of it. It is a subsidiary of Beijing Dingli Chuangshi Technology. In addition, sending you flowers is not a credit report, but it is linked to sesame credit score. If there is overdue or long-term non-repayment, your sesame branch will decline, and everyone needs to pay attention.
Give you three years overdue, and now ask me to pay it back! How to deal with it?
This is the dunning method of the lending platform, so it is recommended to repay as soon as possible, otherwise you will face the following problems:
1, and bear high overdue fees.
For overdue fees, different online lending platforms have different names and charging standards. Whether it is called overdue penalty interest, overdue management or other names, the charging standard is very high. Therefore, those who can repay on time must not be overdue.
2. Receive different collection methods from the platform.
Collection is generally divided into three stages: the first stage is only a few days overdue. Warm reminder from platform customer service, overdue, please repay on time; In the second stage, if the overdue time is too long, the platform customer service will give a serious warning, and the threat of overdue will face serious consequences; In the third stage, the platform delayed for a long time, stopped persuading and started practical actions.
1. It is quite expensive to charge you overdue penalty interest. After giving you the overdue experience, my friend said that the first installment should be returned to 330 yuan, but it just arrived in 660 yuan, and the overdue fee was quite high, which caused great economic pressure to the lender.
2. Telephone collection. According to the feedback from some users who sent you flowers, it is quite powerful to call you for collection. Not only the borrower's phone number will be given, but also the reserved contact person who will inform the lender of the overdue situation will be given. Some users have reported that sending flowers to you will even remind all the contacts on the borrower's mobile phone to call, which has caused considerable trouble to the borrower and relatives and friends around him.
3. Affect the loan amount. Overdue will affect the credit evaluation of users. The lower the credit evaluation, the lower the loan amount of users. Therefore, if there is a record of overdue, it is not only difficult to increase the loan amount, but also the existing credit amount is likely to be deducted.
4. It will affect the re-borrowing. Users who spend overdue money on you can't continue to borrow money, and will leave overdue records on the repayment record, which will adversely affect the subsequent loan application.
5, affect the sesame credit, according to the users who sent you flowers, if the flowers are overdue, they will be recorded in the sesame credit, which will affect the users' sesame scores and hinder other consumption activities in the future, which is very unfavorable.
6. It will have a certain legal impact. If it is maliciously overdue, urging you to repay through certain legal means will undoubtedly bring adverse consequences to the lender himself.
As can be seen from the above, it is still quite serious to give you money overdue, and you can't continue to borrow money after it is overdue. Everyone must form a good habit of paying back on time and don't bring trouble to themselves and others.
What will happen to Xiaohua Loan?
Loans will not have the following consequences:
1, penalty interest and liquidated damages.
If the loan is not repaid, the first thing you encounter is a high penalty interest. Some financial institutions need you to pay liquidated damages on the basis of penalty interest. These expenses add up to a lot of money.
2. Credit damage.
If you borrow money from the bank and fail to pay it back within the time limit, your personal credit report will be stained, and it will be more difficult to apply for credit cards and loans in the future. Even if the company is not included in the credit report, there is a "blacklist" system that * * * enjoys in the circle. If a company does not pay back, it will be difficult to approve other loans.
3. Collect in various ways.
Banks and small loan companies have their own collection systems. Novices will send you text messages and call you to collect money. In serious cases, there will even be a collection staff pressing you around the clock, which will seriously disrupt your work and life.
4. Being frozen, assets may be frozen.
Financial institutions will also arm themselves with laws. If you don't pay back the arrears, if the amount is relatively large, you will be paid. Once the court makes a verdict, even if you are reluctant, you must execute the Repayment Decision, otherwise the property under your name will be sealed up according to law, and the proceeds from the auction will be used to repay the arrears.
Extended data:
Repayment method
(1) Equal repayment of principal and interest:
That is, the sum of the principal and interest of the loan is repaid by equal monthly repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;
(2) Repayment of equal principal:
In other words, the borrower will distribute the loan amount to each installment (month) evenly throughout the repayment period, and pay off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;
(3) Pay interest on a monthly basis and repay the principal at maturity:
That is, the borrower repays the loan principal in one lump sum on the loan maturity date [the loan with a term of less than one year (including one year)], and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;
(4) Repay part of the loan in advance:
That is, when the borrower applies to the bank, he can repay part of the loan amount in advance, which is generally an integer multiple of 1 1,000 or 1 1,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.
(5) Repay all loans in advance:
That is, the borrower can repay all the loan amount in advance when applying to the bank. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.
(6) Borrowing and returning:
After borrowing, the interest shall be calculated by day, and the interest shall be calculated by day. You can pay the money in one lump sum at any time without any penalty.