Did the public security intervene when CMA CGM was overdue?

There was no public security intervention when CMA CGM was overdue

1. There was no public security intervention when CMA CGM was overdue

When handling cases, public security organs in various places must strictly implement the provisions of the Supreme People's Court, the Supreme People's Procuratorate, and the Ministry of Public Security on case jurisdiction. It is necessary to correctly distinguish the boundaries between speculation, smuggling, etc. and economic contracts, and accurately determine the boundaries. The public security organs are absolutely not allowed to intervene in any financial matters involving debts, contracts, etc.

2. The public security will not care about economic matters

It is strictly prohibited to abuse detention and review methods. In handling cases, no detention methods shall be used against persons who do not meet the conditions for detention stipulated by the State Council and the Ministry of Public Security. For foreigners who have committed crimes or are suspected of serious crimes in China, criminal compulsory measures should be taken in accordance with the law, and detention and review methods should not be used.

: Regarding the issue of overdue credit cards, everyone knows the dangers involved, and it will also cause serious problems for your own credit report.

1. Financial loan

Someone asked on the Internet whether he was borrowing a financial loan, which is now three years overdue. But suddenly I received a text message from CMA CGM, and reported my workplace and my name, saying that I was coming to ask for a loan. In fact, this phenomenon is indeed true, because many online loan platforms that are not nationally certified will behave like this. If the door-to-door begging is unsuccessful, they will choose to cause trouble at work or directly. However, it is generally not possible to proceed without an online loan platform that has been certified by the state. Because once these loan platforms cause a big problem, they will not be able to open their own companies, so they can only find this way to solve the problem.

2. Loan

But if the loan software is certified by the country, this method is generally not chosen to solve the problem. If you work in a state unit, overdue loans will also bring a fatal blow to you, and you may lose your job, so I hope everyone can repay the loan on time. And like myself, I will fill in detailed personal information during the loan process, if it is not returned for a long time. Then these people will find the family members, relatives and friends of the lender, as well as their workplace. If you don’t want people around you to know that you are a debtor, it is still recommended that you repay your loan on time. In addition, although today is a legal society, if the money is not repaid, the other party can also report the matter to the borrower's workplace.

I received a text message from CMA CGM, saying that the overdue debt was in arrears and it was now officially filed as a suspected financial loan. Is this true?

It’s not necessarily true. First of all, you need to check whether you really borrowed money from this institution. If you borrowed money, it may be true. This is the other party’s reminder, and online loans Overdue loans will also affect your credit report. It is recommended that you repay as soon as you can. Overdue online loans will have a great impact on your credit report in the future. If you didn’t borrow money, it must be fake and not real, so don’t worry about it.

1. CMA CGM Financial Holdings Co., Ltd. (hereinafter referred to as "CMA CGM") is an Internet financial company headquartered in Qianhai, Shenzhen. It has the top financial investment and Internet technology teams in the country and uses financial resources to Data analysis aims to create the most secure and convenient fund docking information platform that can provide borrowers and investors at the same time. The core value of CMA CGM is "inclusive finance". Our goal is to take finance into the lives of every ordinary person through the Internet, so that all people can get the respect and rights they deserve in the face of finance.

2. CMA CGM Financial Company’s service targets The company currently targets the general public and aims to provide payment, consumption, installment, micro-loan, financial management, etc. for individuals or individual industrial and commercial households with financial needs. Series of financial services. With inclusiveness as the goal, integrity as credit, the Internet as the path, and high technology as risk control, we strive to create a new inclusive financial ecosystem and challenge the unattainable reach of traditional finance. CMA CGM is a financial services company with more than ten years of experience. It adheres to the service concept of "integrity, safety, efficiency and pragmatism" and the service tenet of "customer-centric", pursues excellence and strives for innovation. After 10 years With its development, the company currently has 7,000 employees and has established more than 200 branches in 23 provinces, municipalities and autonomous regions across the country.

In December 2013, CMA CGM launched the "Cash Revolving Loan" product. Through the mobile app, users can borrow and repay anytime within the credit limit, which greatly meets the needs of target customers for consumption upgrades or small amounts. As of April 2015, more than 100,000 users have chosen this service, and the total amount of loans realized by users through "cash revolving loans" has exceeded 8 billion yuan. In order to ensure the safety of the funds of platform investors, CMA CGM also cooperated with third-party payment platforms, taking the lead in the industry to achieve the separation of payment and settlement. At the same time, CMA CGM has invested heavily in the research and development of security technology and developed unique risk control management technology, which combines third-party fund supervision with comprehensive protection forms such as insurance company credit insurance and third-party guarantee compensation. Protect the safety of investors' funds.

3. CMA CGM has always abided by industry conventions and always put the interests of customers first while complying with relevant financial laws and regulations. The company has successively become a member of the China Microfinance Alliance, the China Microfinance Service Intermediary Association, the Microfinance Industry Credit Information Sharing Service Platform, the NFCS Network Financial Credit System, and the China Microfinance Institutions Federation, and has It has won many industry awards - "China's Best Micro-Financial Service Platform", "Brand Wins in China - China's Most Competitive Brand Enterprise", "China's Top Ten Financial Services Institutions of the Year" and "China's Top Ten Third-Party Wealth Management" "Influential and valuable brand".

Will CMA CGM be fined if it is overdue for three years?

CMA CGM may be fined if it is overdue for three years. If the borrower fails to repay the debt overdue, it will need to pay according to the agreement or relevant national regulations. A certain amount of overdue interest will require corresponding liability for breach of contract, and you may also face lawsuits filed by creditors. Overdue repayments must be settled promptly.

1. If it is not overdue within the grace period, if there is no grace period, overdue interest and late payment fees will be calculated directly;

2. The late payment fee is 5% of the amount owed, and the interest is calculated daily. The interest rate is calculated at 5/10,000;

3. Call the credit card center or bank to explain the situation;

4. If you are overdue once, you can repay it immediately in a short period of time, which will not have any impact on your credit record.

Legal Basis Article 676 of the Civil Code If the borrower fails to repay the loan within the agreed time limit, he shall pay overdue interest in accordance with the agreement or relevant national regulations.

Article 678: The borrower may apply to the lender for an extension before the repayment period expires; if the lender agrees, the extension can be made.

Article 667 A loan contract is a contract in which the borrower borrows money from the lender and returns the loan and pays interest when due.

Which bank is CMA CGM?

At present, various state-controlled banks and joint-stock commercial banks, whether national or regional banks, actively encourage consumers to purchase credit cards. applied for. They are also trying their best to improve their service efficiency in order to better serve consumers. Of course, since each bank has different standards, consumers may feel that some banks' credit cards are not easy to handle. Generally speaking, China Construction Bank, Agricultural Bank of China, Bank of China, and Industrial and Commercial Bank of China have higher credit card application requirements and smaller credit lines. Generally speaking, joint-stock commercial banks are more efficient than state-controlled banks, and regional banks are more efficient than national banks. Banks with higher efficiency, such as China Merchants Bank, Ping An Bank, Shanghai Pudong Development Bank, China Guangfa Bank, etc., are relatively more efficient in applying for cards and have higher credit limit approvals. In order to control risks, banks attach great importance to the repayment ability of the cardholder. The information you submit must make the bank feel that you have sufficient repayment ability. The stronger the repayment ability, the easier it is for banks to issue cards, and the higher the credit card limit will be. Therefore, the editor is here to give you some tips so that you can apply for a credit card as soon as possible: 1. No matter which bank you apply for, the more detailed personal information you prepare, the better. Especially documents that document the condition of your property. 2. You can apply for a credit card online, which saves the time of waiting at the business office. 3. If you want to apply for a credit card with a larger limit, it will be more troublesome to apply at the four major state-owned banks. You may consider other banks.

Will there be any trouble if the CMA CGM loan is overdue?

CMA CGM Loan will not be pulled into a black account and be blocked by the bank.

If it is overdue, it will have an impact on your credit report according to the length of time. If it is seriously overdue (more than 90 days), your credit report will be blacklisted.

You cannot apply for any loan business before the overdue repayment. Secondly, overdue fees will incur additional fees such as liquidated damages, overdue interest, etc. It is not new that the final interest rate is greater than the principal for long-term overdue loans. Please treat with caution.

The loan money will not have any consequences:

1. If the lending institution or bank fails to fulfill the judgment within the performance period after winning the lawsuit, it will apply for enforcement.

2. When accepting enforcement, the property, vehicles, securities and deposits in the name of the lender will be inquired according to law.

3. If the lender has no executable property in its name and refuses to fulfill the effective judgment, negative information such as overdue repayment will be recorded in the personal credit report and high consumption and entry and exit restrictions will be imposed. There is even a possibility of judicial detention.

4. If the person has the ability but refuses to execute, he is suspected of refusing to execute the judgment or ruling.

"Loan money will not have any consequences:

1. If the lending institution or bank fails to fulfill the judgment during the performance period after winning the lawsuit, it will apply for enforcement.

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2. When accepting enforcement, the property, vehicles, securities and deposits under the lender's name will be inquired according to law.

3. The lender has no property available for enforcement but refuses to perform. If an effective judgment is issued, negative information such as overdue repayment will be recorded in the personal credit report, and high consumption and entry and exit may be restricted.

4. Refusal despite the ability. In the case of execution, it is suspected of refusing to execute the judgment or ruling.

2. If the bank loan is not repaid, the banking institution will take a series of measures, as follows:

1. . The bank will call the borrower to collect the debt.

2. If the borrower still fails to repay the loan after debt collection, a certain amount of penalty interest will be incurred and a bad credit record will be created for himself. .

3. If the borrower still fails to repay, the bank will send relevant staff to collect the debt in person.

4. The borrower still does not repay until the end. Then the bank will take legal measures to protect the bank's own rights and interests through the law. If the borrower applies for a mortgage loan, the collateral will be auctioned, and the funds obtained from the auction will be used to repay the loan.

According to the relevant provisions of the Contract Law, the borrower's failure to return the loan within the time limit specified in the loan contract is a breach of contract, and the borrower shall bear liability for breach of contract by returning the loan. Principal, payment of interest during the loan period stipulated in the contract, and payment of interest on the overdue portion of the loan

As for the return of the loan principal and payment of interest during the loan period stipulated in the contract, the parties generally agree clearly in the loan contract. There is no dispute; as for the interest on the overdue part of the loan, the standard at which the borrower should pay and when the payment should be stopped is not only a big dispute between the parties, but also the standards applied by the judges when ruling on such cases are not uniform, which affects the law The lawyer believes that it is necessary to integrate this issue so that everyone can have a unified understanding.

The funds invested by banks in this type of lending may or may not be recovered in the future. . The possibility of suffering losses is very high. For this type of lending, commercial banks usually charge penalty interest. Overdue loans are problematic assets of the bank, so commercial banks should maintain high capital reserves, with the reserve ratio generally being 50%. "

This concludes the introduction to CMA CGM and Dada Credit Cards. Have you found the information you need?