Some time ago, I met a lender who borrowed money from a platform and asked me a very interesting topic. He said that if the platform where he borrowed money ran away or thundered, could he not pay back the money?
After chatting, he told me that he had borrowed money from Ping An Pratt & Whitney. Because of the alleged routine loan, he was not asked to pay back the money after the incident. He hasn't paid back the money for months. With this kind of luck, he wants to know if he can pay back the money.
In fact, it is not surprising that borrowers have this idea. After all, the attitude of many debtors is not to pay back. But I told him, no, no, even if the other party is involved in routine loans or usury, you still have to pay back the money, or you will face jail.
This is not sensational. Many people think that your platform is illegal and charge me high interest. When the platform was checked, on the one hand, I just borrowed a little money, and maybe the platform couldn't manage me. On the other hand, there is something wrong with the platform itself, so many people borrow money, not me. Here, everyone should be clear that borrowing money from you and platform Thunder are two different things. The platform is responsible for the consequences of its illegal operation, and you are responsible for the subsequent repayment of the money you borrowed.
Although the state severely cracked down on routine loans and usury, the principal and interest within the legal scope should still be repaid on time. At present, many borrowers have received information and lawyers' letters from Ping An Pratt & Whitney about possible prosecution. We don't speculate whether the platform will take all the people who have not paid back the money to court one by one, but deliberately defaulting on debts is legally risky.
First, credit risk. Now everyone knows how important credit reporting is. Buying a car or buying a house to borrow money from a regular bank requires a credit inquiry, and Ping An Pratt & Whitney has been connected to the central bank's credit information system. As long as you owe money and don't pay it back, you will go to the credit bureau and affect your personal credit.
Second, judicial risks. If you don't pay back because you owe money, a platform like Ping An Pratt & Whitney will really take you to court, and your case will go away, and you will face serious jail time. This will have a lifelong impact on individuals, and I hope borrowers will be cautious.
In short, you have to pay back the money you borrowed. Whether it is platform borrowing money or private money, it is a good thing to pay it back in time, which can not only avoid your own troubles, but also avoid bringing troubles to others. If you are really unable to repay, you can try to replace the creditor's rights, exchange the creditor's rights for goods or assets, and solve the problem of your own creditor's rights and the trouble of debt stripping. I hope that under the severe suppression of the country, Lao Lai's situation will become less and less, and everyone will have more credit whether borrowing money or paying back money.
The online lending platform borrowed money and the platform was seized. Is this money still used?
If the platform where you borrow money is blocked, then the money must be returned. You should be mentally prepared. If you don't want it, you can pick it up, but if you want it, you must return it, or they will sue you.
The loan money was cheated, and the police filed an investigation. Can it still be repaid?
The loan money was cheated, and the police filed an investigation and still had to pay it back. The main person in charge is different. You still have to pay the loan yourself, and the Public Security Bureau accepted it just to help you get the money back. The actual repayment person has not changed.
Legal analysis
If the property is cheated, you should report it in time. The public security organ may, according to the specific case, solve the case through investigation after filing the case, and may recover the defrauded money. Bank loan refers to an economic behavior that an individual or enterprise issues a loan to a bank at a certain interest rate according to the national policy of the bank and returns it within the agreed time limit. When encountering fraud, it is necessary to collect evidence, physical evidence, written evidence and the amount that can prove that the fraudster fabricated or concealed the facts in time, and try to call the police to solve it. The public security organ will decide whether to file a case for investigation according to the specific circumstances. If you decide to file a case, you will collect evidence from relevant personnel. The more detailed the evidence, the greater the success rate of filing a case. According to the relevant laws and regulations, if the amount of fraud is more than 3,000 yuan, the public security organ shall file a case for investigation and investigate the legal responsibility of the perpetrator. Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.
legal ground
Criminal law of the people's Republic of China
Article 266 Whoever defrauds public or private property in a relatively large amount shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also, or shall only, be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined or confiscated. Where there are other provisions in this Law, such provisions shall prevail.
Article 196 Whoever commits credit card fraud under any of the following circumstances, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.