From December 1, 2017, the net borrows new rule be born up to now, almost all platform open gathering plan, although " announcement " requirement, of all kinds orgnaization or entrust tripartite orgnaization to all must not carry force, threaten, affront, calumniatory, annoy wait for means to urge receive loan; Of all kinds orgnaization ought to strengthen client information safety to protect, must not with " big data " information of privacy of client of the filch that it is a name, abuse, do not get illegal deal or divulge client information. But sudden huge profits is urged recently close more savage, explode address book, minatory, threaten, expose the behavior such as individual privacy more very previously, main reason has at 2 o'clock:
1, new rule publishs adumbrative move to hold a card to manage deadline to will come, most cash borrows platform, be eager to steam again capital, bring about rate of exceed the time limit to go tall quickly.
2, a lot of cash borrow platform urge received the task to give tripartite is urged control a company, and tripartite is urged receive a company to receive a money to take deduct a percentage from a sum of money thereby to can be urged only, disregard legal provision mostly, urge forcibly close.
"Face urge those who control a company close, the person that many cash lend borrow or lend money expresses is plan reimbursement originally, or extend a time limit was returned a few days, but urge receive a company to explode directly address book is minatory even threaten, feel to do not have face, flat did not return. Because anticipate interest is too high,still having partial borrower is, day news is achieved 10% the left and right sides, still do not rise at all. Still do not rise at all..
Small clean out younger sister to give first come first popular science borrows money interest rate, top people court delimited 24% with these two 36% red line, these two red line became interest rate branch 3 " area " :
Judicatory groove guard: The interest rate that leasehold both sides agrees did not exceed annual interest to lead 24% , lender requests borrower to pay interest according to conventional interest rate, people court can give support;
Invalid area: The interest rate that leasehold both sides agrees exceeds annual interest to lead 36% , the accrual agreement that exceeds a share is invalid. Borrower requests lender to return the interest that returns prepaid to exceed annual interest to lead 36% parts, people court should give support;
Natural debt area: 24% with the 36% parts between, if lender basis contract, sue a requirement to protect the interest of this interval to people court, people court is not to grant law protects; If borrower repays,this goes back on his word again after accrual partly, sue to the court again recover, the court also can reject such litigant request.
Will tell simply: The interest of 24% less than gets legal protection, must remand; Exceed the interest of 36% , need not return, it is OK also to was returned recover through legal approach; The accrual between 24%-36% , if was not returned, the court won't accept the plea seeking a fund of lender, if had been returned, the court also won't accept borrower recover a request.
So, those loan cut of your Lu, can you calculate how much is annual interest rate? The part of more than 36% need not grant to repay.
Encounter sudden huge profits to urge how to receive borrower to should be answered?
1, must pick up the telephone, do not want refus to receive, although owe exceed the time limit, but should be brave in to face, negotiate reimbursement.
Good to those domestic conditions, parental relative is capable, oneself do not want another individual to be being maintained forcedly! Conscientiously tells family the friend, everybody helps you to disembark together, well seek works, sureness earns money reimbursement! Some friends would rather Lu cut also is not willing to start to talk with parental friend, this moment do not have so strong proper pride! The person should be taken all one's life alive soft when still must take soft!
Next, bad to those domestic conditions, oneself also does not have a few capable of brother and friend, reimbursement edge earns money to be fought forcedly by the side of oneself only then! This moment is not acedia also, felt to owe tens of thousands of day to did not have a law to pass, consider him put to an end, must not have such idea! Said again, this new rule is very good still, the country is being strengthened stage by stage superintend and supervise and urge the development of financial industry, this is meddlesome to the people. Still continue to begin professional work like some platform, accrual is reduced apparently, this is begin very well!
2, encounter not courteous, of speak rudely urge the person that close, courteous warning, indicate reimbursement desire, clarify the true state of affairs, talk things over in installment reimbursement. And encounter those menace, threaten, explode in disorder address book, violate individual privacy, want to ask Qing Dynasty is which platform, work number how many, the phone undertakes recording, the method that uses law safeguards the rights and interests of oneself.
Complain channel 1: Association of Chinese Internet banking, government-owned net links Http://www.nifa.org.cn/nifa/index.html
Complain channel 2: Hit phone of bureau of each district silver-colored inspect to undertake complaining (the phone of each district is different, oneself get online check)
Complain channel 3: Get together complain, government-owned net links Http://ts.21cn.com/
Complain channel 4: Complain to door of The Ministry of Commerce and Industry
Complain channel 5: 12315 Internet platform of countrywide, government-owned net links Http://www.12315.cn/
Complain channel 6: Inform against harass a telephone call, network address Https://www.12321.cn/harass
