Whether online loans should be repaid or not, many people are tortured by online loans and can't sleep all night, either collecting or bombing, and some are even chased home.
So what to do? Today, this article must be liked and collected, **to the elderly at home, beware of the harm of online loans. I'll show you how.
This year, nearly 4,000 P2P online lending institutions have been suspended for rectification, cleared out of the Jinrong platform, and incorporated the Internet financial business into supervision.
Under supervision, as long as there is a small belt with high interest rate, it will be rectified and cleaned up.
The friend will ask, should I return the mesh belt I borrowed before? The answer is yes.
First of all, if the interest on the loan exceeds the upper limit set by the state, then this part of the interest does not need to be repaid. This is the right granted to us by law, and it is also an important means to maintain the fairness of the financial market.
Secondly, in the face of the violent collection behavior of the collectors, we must stand up bravely and choose to report to the police. In this process, it is important to keep relevant evidence in order to protect your legitimate rights and interests.
Finally, if the loan has been included in the credit reporting system, then we must pay off the arrears as soon as possible and have the platform issue a settlement certificate. Subsequently, we can use this certificate to go to the bank for credit recovery to restore our credit history.
In short, in the face of the problem of online lending, we must keep a clear head and clarify our rights and obligations. At the same time, it is also necessary to pay attention to the policy dynamics of the regulatory authorities in order to better protect their legitimate rights and interests.
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