Because there were no rules at the beginning, the online loan that was originally a financial innovation became a usury platform, and many black and evil means were used in debt collection, which even caused countless tragedies. When many capitals saw the ultra-high returns coming in one after another, it triggered more and more disputes, and finally ushered in regulatory clean-up, and a large number of platforms ran away or closed down.
Online lending platforms are generally intermediaries and are not necessarily creditors themselves. Only self-operated funds are, that is to say, the creditors are still there after the platform disappears, and the debt relationship is still there.
There are many reasons for the disappearance of the platform, either because of the high cost of bad debts, or because the founder ran away with money, or because of violations, and may be ordered to rectify. Some platforms will be put into operation again after rectification and compliance, and the business of some platforms will be taken over by other platforms or handed over to third parties, and third parties will generally continue to recover debts. As the core assets and creditor's rights certificates, these loan information are recorded in the server, and there are usually data backups, which will not disappear with the disappearance of the platform.
For borrowers, the platform disappears, and interest can be reduced in most cases. If the amount is small and the creditor's recovery cost is too high, it will often stop recovery. Even if the creditor sues in the case of a large amount, the annual interest rate exceeding 36% does not need to be repaid, and 24%-36% can be negotiated by both parties. As for service fee, overdue fee, introduction fee, dunning, etc. If it is accepted by the platform, it will naturally not be returned to them.
Some people may save money because of the collapse of the platform, but don't always take chances. Most of the online loans are usurious, and there are even many routine loans. Once you have the habit of online lending, you will inevitably pay ultra-high interest. It is also possible that borrowing money is too easy to bear excessive debts, and eventually credit bankruptcy and debt crisis.
You can't be lucky. If the platform goes bankrupt, you have to save money to pay off your debts. Creditors can pay off their debts as soon as possible upon request.
Ping An Pratt & Whitney can't be killed, and evil forces can't be swept away!
How many people have been killed? The state should have investigated them. When the routine loan was discovered, the whole people mobilized to call the police immediately. Don't let them succeed. How many people have lost their families and lives? Once they run into a routine loan, he is a bottomless pit and has no idea at all. Friends who are short of money can use flowers and return them next month. They can also make a minimum loan repayment, which is convenient and quick.
Ping An Pratt & Whitney's money is higher than usury.
Why should I repay the borrowed money myself?
A word that has sprung up on the internet in recent years really makes people worry about their IQ.
Internet finance has been in business for many years, so I will answer your question.
The online lending platform has disappeared, and the money owed is still to be paid back. After a long time, interest will increase.
Why?
The reason why the online lending platform is a platform is because it bridges the gap between borrowers and lenders. If you look at your loan contract, you will find that the other party to your loan contract should be an employer, such as a bank, trust or individual investor. So even if the online lending platform goes bankrupt and the matchmaking platform disappears, the relationship between creditor's rights and debts has not disappeared, so you still have to pay back the money you owe.
What should we do?
As for what to do? Pay back the money! Generally speaking, there are two situations in which online lending platforms disappear. One is that its violation of the law has been dealt with by law, and the other is that it has been retired.
1. The platform has been dealt with according to law. How can I repay it?
Generally speaking, if the platform involves crime and investigation, if there are real borrowers on the platform, the investigation will also keep the original repayment channels or open new repayment channels for borrowers to repay.
2. How to repay benign retirement?
If a platform is benign, all department personnel will not be cancelled at one time. Generally speaking, the business will be stopped first, certain operation and collection will be reserved, and repayment channels will be reserved for borrowers to repay.
If the online lending platform goes bankrupt, there is no need to change the money owed to it. If A gives you a loan of 6,543,800 yuan, and then A is identified as an illegal platform to be closed, do you want to pay back the 6,543,800 yuan that A gave you?
The answer is that the law doesn't protect you, which means that even if you don't pay it back, you have nothing to do, the police won't look for you, and the judge won't sentence you.
Therefore, the online lending platform has disappeared, and there is no need to pay back the money owed, not to mention the problem of increasing interest.
Hello, I'm Bailey Changxing, focusing on finance. When the online lending platform disappears, the debts owed will not disappear, and the interest will increase over time. Moreover, even if the online lending platform disappears, he still reserves the right to collect debts from you, or simply transfer the creditor's rights to other companies and let other companies collect debts from you. Yesterday, the Leading Group for Special Remediation of Internet Financial Risks just issued the document "Notice on Strengthening the Construction of Credit Information System in p2p Online Lending Field", clearly proposing that P2P and other online lending platforms should be included in the personal credit information report, not limited to the information of untrustworthy people, but the lending information of all P2P online lending institutions, and all P2P online lending institutions should be included to achieve the coverage of the credit information system.
There is no need to pay it back, which means that the loan company has been sealed up and the platform has been blocked. The company does not exist; You are very lucky. Don't borrow money from these platforms in the future. If you don't pay it back, the amount will double, and it will be too late for you to regret it. Remember this experience and don't do it again.
Now you have to understand the fact that after the financial platform runs away, if you are an investor and don't pay you a penny, experts will say that you have invested blindly. If you are a borrower, you must pay back a penny. Experts will say that you are honest and pay back your debts, and will ask you about credit information and legal means.
I am not a routine loan. I am a credit platform. Zheng He, Yingu, Yixin, Heng Chang, 360, Huaxia, Xiaoyudian, several credit cards and three credit cards of friends are also here. I don't remember. I always pay back the money on time. Although the interest rate is very high, many will be paid off in September this year, but the capital chain has been broken recently. All small loans have been stopped. Only return the credit card and then maintain your friend's credit card. Second, malicious collection is not allowed, such as swearing and sending messages indiscriminately. If you keep your recordings and messages and answer many phone calls every day, nothing matters. The important thing is that your family is happy together, and there will always be difficulties. Who can be smooth sailing? If winter comes, can spring be far behind? I hope I can help you. I want to help the post offices in 62 17996, 730002, 792 127. Playing more and playing less is a feeling. Thank you for your help.