There are no consequences. Let's get started. A bunch of people call you to collect money. If the phone is broken, they can't do anything about you. Beating you, detaining you and throwing paint are all illegal, so don't worry about them. He can only take you to the end of the road. At this time, you can only pay back the money, but you can tell them that it is unreasonable to ask only the principal and the highest interest stipulated by the state, which is also the final result.

What will happen if you owe CreditEase a loan for six years?

1. If you are unable to repay, you will face the consequences. I suggest you actively negotiate with creditors to delay repayment as much as possible. Creditors will also pay you back and then apply for enforcement of your property.

2. Refusing to execute a judgment or ruling is suspected of refusing to execute a judgment or ruling.

3. In addition, if he has no executable property under his name and refuses to perform the effective judgment, his personal credit report will record negative information such as overdue repayment, and he will be restricted from high consumption and entry and exit, and may even be punished by judicial custody.

legal ground

Article 313 The crime of refusing to execute a judgment or written order. If the people refuse to execute the judgment or ruling if the circumstances are serious, they shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or criminal detention.

1. is a malicious loan fraud, or you may be sentenced for not paying back the money.

2. Normal loans cannot be repaid. For such overdue customers, small loan companies usually package and sell non-performing assets and hand them over to third-party collection companies for handling. At this time, your creditor's rights relationship will change, depending on how the third-party collection company collects the arrears. If the collection company takes legal action for recovery, then you should respond to the lawsuit and bear the legal consequences arising therefrom. If the collection company adopts manual door-to-door collection, you may face the corresponding adverse social impact.

Credit is a monetary lending behavior between different owners that reflects a certain economic relationship. Credit in a broad sense refers to the general term of deposits, loans and settlement of financial institutions. Credit in a narrow sense generally refers to loans from commercial banks. Credit does not refer to credit loans.

The main reasons for credit risk are:

1, the basic management work is weak, and the credit files are seriously missing.

2. The loan separation system is not strictly implemented.

3, the loan "three check" system is not implemented.

4. The loan handlers have weak legal knowledge and awareness, and the loan loses legal protection.

5. The internal supervision mechanism is not perfect, there are loopholes in the credit management system, and the management of managers is neglected.

6. Illegal off-balance sheet operations are serious.

I owed CreditEase a loan for five years and never paid it back.

After loans overdue, CreditEase may entrust a third party, that is, give your file to a collection company, which will ask you for a collection. If you can't contact me all the time, you can contact your family. Customers who can't pay their debts for the time being can take the initiative to call CreditEase customer service to negotiate and see if they can apply for an extension. Be sure to pay attention to, after receiving the dunning call or text message from CreditEase, try to repay quickly. If you always ignore CreditEase's dunning calls, and the other party refuses to repay after repeated dunning, CreditEase will probably do it, which will naturally cause more serious adverse consequences.

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First, the influence of loans overdue:

First, late payment will affect personal credit. If a lender borrows money from a bank and fails to repay it within the time limit, his personal credit report will leave a bad credit record. It is very difficult to apply for credit cards and loans in the future, and most of them will be rejected, which will cause many troubles to personal production and life.

Second, the most direct consequence of not paying back the credit loan is a high penalty interest, and you may have to pay a certain penalty. Even the principal and interest add up to a lot of expenses, and the result of not repaying on time is to increase my economic pressure.

Third, in loans overdue, the lender will face all kinds of collection. Banks or financial institutions have their own collection systems. After the lender is overdue, the first-class collection will send you a text message and call for a reminder. If it is not returned for a long time, and the degree is serious, there will even be a collector to collect it in person. This overdue staff member should be prepared and try to pay off the money at the first time before solving it.

Fourth, if the loan is overdue for a long time and the amount is large, the lender may be subject to financial institutions. After acceptance, the court has pronounced that the lender's assets may be sealed up. This is the "repayment reward" that the lender must implement, otherwise the property and other assets under your name will be sealed up according to law, and the proceeds from the auction will be used to repay the arrears.

Fifth, if the circumstances are serious, you may go to jail. Under normal circumstances, such incidents as borrowing money and not paying it back are civil and will not rise to the criminal level. However, if some lenders refuse to implement it and insist on not paying it back, if the circumstances are serious or bad, the borrower will be investigated for criminal responsibility, and depending on the seriousness of the circumstances, the borrower will go to jail.

Second, the loan matters needing attention:

1, loan amount:

When applying for a loan, the amount applied for should not be too high. The larger the loan amount, the higher the possibility of rejection. At the same time, borrowers should also apply for a loan amount according to their repayment ability to avoid the economic pressure caused by excessive monthly payment.

2. Loan information:

The borrower must ensure that the information provided to the lending institution is true and complete. Once suspected fraud is discovered, the lending institution will directly refuse the loan.

3. The purpose of the loan:

When filling in the loan purpose, the borrower should write down the loan purpose frankly and clearly, which will make it easier to pass the examination.

I owe Yixin 30 thousand and don't want to pay it back. What will happen if Yixin doesn't pay back the money?

1. I owe CreditEase 30,000 yuan and don't want to pay it back. CreditEase's failure to pay back the money may result in the debtor having to bear high overdue fees. The debtor needs to bear the platform fancy collection. The borrower's credit information is tainted. The debtor may be sued to the court.

2. Relevant legal opinions: 1. If you can't pay back, you will face the consequences. I suggest you actively negotiate with creditors to delay repayment as much as possible. Creditors will also pay you back and then apply for enforcement of your property. 2. Those who have the ability to refuse to execute the judgment, those who are suspected of refusing to execute the judgment or ruling, and those who refuse to execute the effective judgment because there is no property available for execution under their names, will be recorded in their personal credit report, which will restrict their high consumption and entry and exit, and may even lead to judicial custody.

3. Relevant legal basis:

Article 313 The crime of refusing to execute a judgment or written order. If the people refuse to execute the judgment or ruling if the circumstances are serious, they shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or criminal detention.

1. Advantages and disadvantages of CreditEase loan and bank loan are:

Advantages. No need for mortgage and guarantee, faster speed, better service, relatively simple procedures and flexible repayment.

Disadvantages. The interest rate is too high, the collection system is chaotic, and the repayment method is invalid.

CreditEase was established in Beijing in 2006. Is a financial technology enterprise engaged in inclusive finance and wealth management. It has a leading position in the fields of credit technology, wealth management technology and insurance technology. Since its establishment, it has persisted in concept innovation, model innovation and technological innovation, serving more than 4 million individual consumers, small and micro business owners, individual industrial and commercial households and farmers nationwide, serving more than 6.5438+million wealthy people, high-net-worth people and ultra-high-net-worth people, and practicing "science and technology make finance better" with practical actions. Yirenmenke (NYSE: YRD), engaged in credit technology and wealth management technology, was listed on the NYSE on 20 15 12 18, becoming the first financial technology share in China.

3. CreditEase Wealth is committed to managing three major brands: Pleasant Wealth, CreditEase Wealth and Ruicheng Home Office. CreditEase Wealth provides wealth management, global multi-asset and multi-service and one-stop wealth management services for mass affluent customers, high-net-worth customers and ultra-high-net-worth customers from the five major needs of investment, inheritance, learning, life and public welfare. Be worthy of customers. It also relies on the accumulated industry practice and technical foundation to provide mature solutions for independent financial planners and institutional customers. He has been awarded the Best Third-party Wealth Management Agency Award in China, the Best Wealth Management Agency Award in China and the Best Wealth Management Technology Platform Award in China by Asian private bankers for many times. CreditEase's asset management business takes the main fund as the core, supplemented by various investment forms such as direct investment/follow-up investment/second-hand shares, and supports the development of the new economy with long-term capital. In addition, based on ecosystem resources, it provides multi-faceted support for science and technology enterprises throughout their life cycle. CreditEase's insurance service business provides all-round one-stop professional insurance protection scheme for individuals and families, and provides risk solutions such as group property insurance for enterprises. The network layout is spread all over the country, combining online and offline, serving customers through diversified channels and multiple contacts, and empowering the intermediary industry with technological solutions.

Consequences of CreditEase's failure to repay the loan

The loan will be stopped and part or all of the loan will be recovered in advance.

The "general principles of loans" have corresponding provisions:

Article 71 Under any of the following circumstances, the lender will charge interest on part or all of the loan: if the circumstances are particularly serious, the lender shall stop paying the unused loan of the borrower and recover part or all of the loan in advance:

1. Failing to use the loan for the purpose specified in the loan contract.

Second, the use of loans for equity investment.

Third, engage in speculative business with loans in securities and futures.

Extended data:

Laws and regulations related to the general principles of loans:

Article 71 The loan term shall be determined by the borrower and the lender through consultation according to the borrower's production and operation cycle, repayment ability and the lender's capital supply ability, and shall be specified in the loan contract.

According to the national policy, in order to promote the economic development of certain industries and regions, the relevant departments can subsidize the loan interest. Loans subsidized by relevant departments shall be independently approved and issued by the undertaking bank, and strictly managed in accordance with the relevant provisions of these General Rules.

Article 72 The borrower shall truthfully provide the information required by the lender (except those that cannot be provided by law), and truthfully provide all the account banks, account numbers and deposit and loan balances to the lender, and cooperate with the lender's investigation, examination and inspection.