Of course it is not true that the court’s new rules will not accept online loans. In fact, the country has even issued many new regulations for online loans. For example, in terms of collection, if a small loan platform uses illegal collection methods, the collection personnel or the collection platform may be jailed.
Strictly speaking, as long as the lending institution the borrower applies for has a consumer finance license, it means that the lending institution has private lending qualifications, and the contract signed with the borrower is also protected by law.
And online loan lawsuits are not limited by the amount. As long as the online loan platform files a lawsuit, the court will accept it regardless of the amount of money. However, online loan platforms that generally sue are formal institutions, such as banks and licensed financial institutions. Borrowers with overdue online loans of egregious nature will sue to recover their arrears.
If an online lending institution wants to sue a borrower, it will submit a complaint to the court. After accepting the case, the court will send a summons to the borrower, notifying the borrower that he has been sued and allowing him to respond within a specified time. Before the court session, the borrower can negotiate with the online lending platform. If the negotiation is successful, the online lending platform can withdraw the lawsuit.
If the online lending platform does not agree to negotiate, the court will hold a hearing when the time is up. During the period, the court will make adjustments to both parties. If the mediation fails, the court will make a judgment. After the judgment, the borrower will be required to repay the money within this time period.
In order to maintain a good credit record, we must also pay attention to our own online loan big data in a timely manner. This can be done by checking: Xiaoqixin, click Query, and you can see your own online loan big data Report to maintain good credit at all times.
Extended information:
Will the court stop accepting online loans?
No, if you do not repay your online loan, the platform may take you to court, and the court will impose enforcement actions, include you on the list of dishonest persons, judicial detention, and prohibit high consumption orders.
This record of dishonesty will be entered into the personal credit file. At this time, you will encounter problems when you go to the bank for a loan, apply for a credit card, buy a house, rent a car, etc.
Failure to repay online loans will have the following adverse consequences:
1. If enforced by the court, the bank account will be seized, the deposit in the account will be forcibly deducted, and the house will be seized and auctioned and other property;
2. If the court fails to achieve its goal through the above enforcement methods, it will put you on a blacklist and you will not be able to fly or high-speed rail in the future, and your future loans will be greatly affected;
3. You may be fined or detained by the court.