The high interest rate of good loans is unreliable, with an annualized comprehensive rate of over 70%. 58 Financial "58 Easy Loan" is suspected of automatically facilitating loans, the interest rate exceeds the legal red line, the exclusive service fee is checked by default, and the dunning on 14 is suspected of "7 14 anti-aircraft gun" and unreasonable collection.

(1) Automatic loan promotion: "58 Easy Loan" maliciously induces users to borrow money and charges high fees. "58 Easy Loan" did not remind him whether to confirm the loan, and the loan directly arrived.

(2) The comprehensive loan interest rate exceeds the legal red line by 70%: the interest rate exceeds the legal red line, reaching 70.65%. Users think that the interest rate is too high, and many complaints with your customer service have not been effectively communicated and resolved. IRR calculated that the annual interest rate of the loan was 70.65%. According to the loan information provided by another user, the loan principal is 7,000 yuan, which will be repaid in three installments, and the repayment amount of each installment is 2,665,438 yuan +03.33 yuan. According to IRR algorithm, the annualized comprehensive rate of return is 70.65%.

Extended data

If you forget to turn off the "exclusive service" enabled by default on the platform, the total interest rate will be 765,438+0%. If this default option is turned off, the total interest rate will be halved and the annualized comprehensive interest rate will be controlled at around 36%. 58. The publicity and exhibition service fee charged by the defendant was inconsistent with the actual amount charged, and the defendant failed to fulfill the obligation to convert the comprehensive cost into annualized form and disclose it to the borrower.

According to the Notice on Standardizing and Rectifying Cash Loan Business issued and implemented on June 7, 2065,438 and February 7, 2065,438, "The comprehensive capital cost charged by various institutions from borrowers should be converted into annualized form, and information such as loan conditions and overdue treatment should be fully disclosed in advance to remind borrowers to pay attention to related risks."

Trust-Mart was also complained of unreasonable collection behaviors such as "exploding the address book and sending insulting short messages", and the complainant also attached insulting short messages.