If it is a fraud case, the borrower does not have to pay it back.
In case of fraudulent loans, we should keep the evidence of fraudulent loans in time and safeguard our rights and interests through litigation.
Take online loan fraud as an example. The online loan scam attracts the attention of the victim on the grounds of low threshold, no mortgage, no formalities or even "borrowing money only with ID card", and then asks the victim to pay various fees on the grounds that the loan needs capital verification, or defrauds the victim's bank account information to steal money.
Not only was he cheated, but the criminals also used the cheated account xq.
. After being cheated of money, he transferred money from his account on the grounds of running water. Liars use this method mainly to interfere with police work and create obstacles for the police to solve the case. Therefore, loans must be handled through formal channels, and don't believe in the so-called low threshold.
Extended data
The crime of loan fraud refers to the act of fabricating false reasons such as introducing funds and projects, using false economic contracts, false certificates, using false certificates of property rights as guarantees, repeatedly guaranteeing beyond the value of collateral, or defrauding banks or other financial institutions of large loans by other means.
The subject of this crime is a general subject, and any natural person who has reached the age of criminal responsibility and has criminal responsibility ability can constitute it, and the unit can also become the subject of this crime. If the staff of banks or other financial institutions collude with criminals who defraud loans and provide help to them, they should be punished as loan fraud.
The so-called collusion, in this crime, refers to the behavior that the staff of banks or other financial institutions collude with the criminals who swindle loans before or during the fraud, * * * discuss or plan with each other, cooperate with the criminals who swindle, and help them commit fraud as insiders.
If it is mainly the staff of financial institutions such as banks, the actions taken are mainly carried out by taking advantage of their positions, and others in society only provide help, then the crimes committed by the staff of financial institutions such as banks should be dealt with qualitatively. If it is a crime of corruption, it should be punished according to the crime of corruption, and other people in society should be punished according to the crime of corruption.
What if the online loan is cheated?
If you encounter online fraud, you can contact the network police through qq or email, please report to the network supervision branch, and ask the network police to report rights protection and recover property. Work for one to three days to deal with your complaints. Please remember that it is absolutely fraudulent for the other party to ask you to pay any upfront fees for any reason. Under no circumstances should you remit money, transfer money or pay any fees to others first, so as not to be cheated! Don't believe the threat of any liar, because the other party is suspected of fraud. Therefore, the contract signed with the liar has no legal effect, and there is no so-called breach of contract. It's nonsense for swindlers to threaten the court to sue for damages, so don't worry. If you are cheated, regardless of the amount, please choose to call the police! In recent years, online loan fraud cases are rampant, and the number of deceived people has surged. Please also ask local public security organs to vigorously crack down on rectification! No matter whether the company is registered or not, don't believe that the swindler will cheat you to sign the fax contract first, and then cheat you to pay the insurance premium, the first month interest, the performance fee, the deposit, the guarantee fee, the loan fee, the notary fee, the credit information fee, the house loan and so on. Step by step, but also in the name of insufficient bank flow, checking repayment ability or capital verification, you are required to transfer all the funds in your account to the liar's account, and even ask you to go to a designated bank to apply for a bank card and deposit it. The above is about the handling methods and related issues of alarm after online loan fraud. Beware of loan swindlers and don't pay any fees before lending. Don't believe it unless you deal with it in person. Now you can only apply online and sign in person, but there is no online processing. I hope these information and steps are clear enough. If you still have questions about this, I suggest you consult the relevant law firm. It is our pleasure to resolve some differences related to this and solve the problems related to online lending for you. Thank you for reading.
What if the online loan is cheated?
First of all, answer directly.
If the loan is cheated on the loan platform, it is necessary to quickly collect relevant evidence (such as transfer repayment records, as well as the other party's account number, telephone recording, SMS screenshot, etc. ) and report the platform to the local CBRC or China Internet Finance Association, which can quickly untie the bank card to avoid deducting money from it later (if it cannot be untied, you can contact the bank to lock it first).
Second, the specific analysis
If the money is seriously damaged, you can also bring a lawsuit directly to the local people's court.
Or report to the local public security department, it is best to unite with other people who are also defrauded by the platform.
If handled in time, there is still a chance to recover the cheated money.
You don't have to pay back the other party's constant dunning.
It should be noted that "keep your eyes open" when lending. It is best to choose consumer financial institutions with financial licenses, and don't borrow money from unknown small loan companies casually, otherwise it is easy to meet usurers and fraudsters and fall into loan scams.
If you don't know your online loan application, you can try to get the big data report of Xiaoqi Credit Information, check your detailed loan record, and then confirm that you borrowed the money yourself. At this time, you should pay off all the money you owe, and then contact the customer service of the corresponding platform to let them handle it and see if the blacklist of online loans can be eliminated.
Third, can you borrow money from dozens of online lending platforms a day?
If you borrow dozens of online loans a day, if your personal credit is good, most of them may be able to approve a sum of money.
However, it should also be noted that due to too frequent borrowing, it is prone to long-term borrowing, and big data (credit information) will also become a "flower".
If a large number of loans are not paid off, it will also lead to a high personal debt ratio.
Therefore, loans applied for later in the day may not be easily approved.
And it will affect the days of applying for new loans in the future.
Of course, if your own credit is not good enough, it is estimated that most of them will not be approved (subject to the final approval results of each platform).
It is recommended not to apply for so many loans at one time, even if all of them are borrowed, the burden of subsequent repayment is also very heavy.
In case some of them forget to repay the loan and their personal credit is damaged, it will be difficult to apply for a new loan.
If you borrow a lot because of the large demand for funds, it is better to apply for a large loan directly than to apply for a large amount of small loans.