There are many unreliable pitfalls in online lending. As the end of the year approaches, you must be careful about these pitfalls in borrowing and repaying!

　　As the end of the year draws near, some people are unavoidably nervous, while some are still worried about their previous debts.

In addition to turnover, we must always be more rational, so as not to be "robbed by criminals" if the "urgent need" is not resolved.

【borrow】

Test the quota, attracting forced payment

　　"I was curious and wanted to test the amount, but I didn't expect that the amount was very low, only more than 2,000 yuan, and I didn't even think that I would be forced to make a payment." Not long ago, Wu Wenbin, who was quite nervous, saw a certain loan on his mobile phone. Advertising of software.

I planned to borrow 20,000 yuan for use. After filling in a series of information, the test showed that the amount was only 2,163 yuan.

"I didn't accept the money because I didn't think it was helpful and the period of use was short."

　　Surprisingly, this software forced him to "send money".

Wu Wenbin went to the customer service and asked to close the payment immediately, show the settlement certificate, and return all the interest except the legal interest, but no one responded.

　　Nowadays, loan software under the names of XX loan, XX installment, XX loan, etc. emerge in an endless stream.

Previously, most of them used labels such as low threshold and zero handling fee, but now they use "test quota" as a gimmick to attract attention.

　　"Alipay can withdraw cash directly. If you use your mobile phone number for 1 year, you can borrow up to 50,000 yuan...Use it for 3 years, and you can borrow up to 150,000 yuan!" In a lending software, even the service life of a personal mobile phone number has become an upgrade. The magic weapon of the amount.

The promotional copy strongly encourages people, "Come and test your quota!"

　　Many users were accidentally "sent money" just out of curiosity and wanted to see how their quota was.

Similar to Wu Wenbin's experience, Zhang Yan said that he just opened a loan software, intending to test the amount and check the interest level, but he did not expect that after filling in the basic information, he was forced to make a payment of more than 1,000 yuan.

"The sudden arrival of this money happened when I didn't know anything, and I didn't sign any agreement clearly. I hope the platform can give an explanation."

　　The reporter found that the higher risk of "measuring the amount" is that on various lending software, the lengthy and complicated related agreements need to be checked and agreed before further operation.

To test or activate the quota, you also need to fill in a lot of personal sensitive information.

It mainly includes name, city, ID card photo, bank card number, etc., some of which also need to pass face recognition.

Known as low interest rates, it adds up to a lot

　　In addition to lending money at will, lending software usually puts on the cloak of "high and low interest rates".

In fact, there are many traps hidden behind low interest rates, and there are often many repayments.

　　A software that claims "don't touch high-interest loans anymore" and "the minimum daily interest rate is only 0.03%" has more than 9,000 user complaints on the complaint platform.

In addition to questioning that the interest rate is too high, the user also shared his experience of being automatically activated as a member and deducting fees after a successful loan.

"Without a clear notification, the membership membership is checked by default, and 428 yuan is deducted after the loan is credited to the account, and a refund is requested." There are many users who have similar encounters.

　　The reporter found that the so-called "low interest rate" of some lending software is mostly expressed as daily interest rate in publicity, and the annualized interest rate is often written as "X%" in small fonts, which is easy to cause misunderstanding.

In addition, because some software is often "grafted" on other platforms, in addition to the principal and interest, the costs involved, such as guarantee fees and service fees, are deeply hidden in the agreement, and the reminder notice is not conspicuous enough.

When the repayment plan came, the borrower came back to his senses.

A software called "Monthly Installment" is too much for borrowers.

Some users said that they were forced to pay 2,000 yuan by the software.

In just seven days, the interest and principal had to be repaid a total of 2,910 yuan.

　　User Wu Linfei told the reporter that he applied for a loan of 15,000 yuan on "XXQian", which will be repaid in 12 installments.

At first, he didn't think it was strange, but after calculating the repayment plan, the total interest plus the monthly guarantee fee totaled 3,000 yuan.

"This is not in line with the interest rate set by the state. I only repay the full principal and the legal interest stated in the contract. If the settlement is in advance, I should not pay high guarantee fees."

【return】

Stop paying interest and pay half of the deposit first

　　Compared with the troubles encountered when borrowing money, getting a loan smoothly, but not paying the money when it is due, may be more scratching your head.

　　Aiming at this situation, recently there have been many companies, institutions, and even individual "legal affairs" and "lawyers" in the name of debt optimization, legal aid, etc., claiming that they can help debtors to "stop paying interest".

　　The so-called "suspension of interest" refers to negotiating with the bank to freeze the debt for a period of time.

During this period, no new interest will be added, and only the principal will be repaid each period.

If the negotiation is successful, the collection can be stopped and the continued generation of interest can be stopped.

In some related discussion posts, contact methods such as mobile phones, WeChat, and QQ numbers often appear.

And some "debt debtors" came forward and strongly recommended a certain "consultant teacher" to handle it properly and help them "go ashore" successfully.

　　The reporter contacted a digital financial advisor in the name of several credit cards owed 50,000 yuan.

When it comes to how to communicate and negotiate with the bank, the other party is secretive and only emphasizes, "Professional matters should be left to professional people, and we will use our legal knowledge to help you communicate." "You are looking for customer service, we are looking for All of them are internal personnel, and their authority is different"...

　　The processing fee is usually five percent based on the total amount of the debt owed by the debtor.

For the reporter's 50,000 yuan debt, he needs to pay 2,500 yuan to apply for suspension of interest.

Half of the deposit must be paid first, and the rest will be collected after successful processing.

After a moment of hesitation, they said to the convenience, "You are overdue, and you have a lot of interest and penalty interest." What's the cost!"

　　The reporter consulted a bank business manager about the "suspension of interest and pending accounts". The other party said that different banks in different regions may have different policies and attitudes towards arrears, but she has not heard of such policies.

"We have customers who are doing business, and due to the impact of the epidemic, they failed to repay the loan, so they went to the credit investigation. If there is a policy, we will definitely introduce it."

Credit restoration, making up nonsense and perjury

　　As an "economic identity card", personal credit information has received more and more attention in recent years.

If there is a problem, it is inevitable to seek a "solution" under anxiety, which gives some personnel an opportunity to take advantage of it.

　　Bleaching stains, rescuing your credit... Searching for "overdue credit" will display a large number of advertisements for institutions that claim to be able to "repair" credit and eliminate overdue records.

It is understood that depending on the number of overdue times and the issuing bank, etc., the fee for repairing a record is around 1,000 yuan.

"Provide your latest personal credit report, ID card information, and apply for a phone card. We will communicate with the bank on your behalf, and you should not answer the bank's phone call."

　　As for how to communicate, the other party is also unwilling to talk about it.

In fact, various "anti-collection" methods including suspension of interest and credit repair are not mysterious. In summary, they all fabricate various "force majeure" reasons to appeal to banks, or force financial institutions to compromise through complaints and reports.

　　In September of this year, the Hubei police teamed up with the "Fenqile" platform to file a case against an illegal agency "debt trouble" gang that assisted debtors in batches forging serious illness and poverty certificates.

According to the disclosure, the platform previously found that more than 50 applications that needed to be stopped due to severe illness and poverty were "not quite right".

They prove that the material templates are the same, and the mobile phone numbers of the incoming calls are all concentrated in the same prefecture-level city, but the user's household registration is actually distributed in many places across the country.

　　Around the "anti-collection" black and gray industry, financial institutions and relevant regulatory authorities are also actively responding.

This year, the People's Bank of China issued the "Notice on Carrying out the "Hundred-Day Action" Work of the Special Crackdown on "Credit Reporting and Repair" Chaos" to carry out this work nationwide.

The General Office of the China Banking and Insurance Regulatory Commission issued a notice in July, proposing to seriously investigate and deal with criminals who cheat in the name of "repair of credit investigation, whitewashing, shoveling of bills, consultation on credit objection complaints, and agency" and seriously disrupt the overall construction of the social credit system.

　　"Users should not easily provide identity information, financial information and other privacy-sensitive information to others. Refuse to participate in illegal activities such as fabricating reasons, providing false information, and forging evidence." The People's Bank of China reminds that if there are indeed errors or omissions in credit information, Beijing Consumers in the region can consult with the customer service of the corresponding financial institution, or search the "Credit Beijing Check" applet through WeChat and Alipay, and submit an application for credit investigation, rights protection and reconciliation to the People's Bank of China.

(Beijing Daily client reporter Wei Jing Li Songlin)