The online loan is overdue. Now, if someone sends a text message to collect it at home, first of all, everyone should keep calm. Compared with us, we didn't steal or rob it. It's just that the online loan is overdue. This is a civil dispute. Just negotiate the repayment.
if the online loan is overdue and the money is not paid, don't refuse to answer the phone call of the dunner, explain the actual situation and agree on the repayment date. If you don't answer the phone, they will bomb your family and friends, and they will look down on you when they meet in the future, and then they will come to the door to collect money. Sometimes it happens that there are guests at home and the collection comes to the door. It was embarrassing at that time. , so it is best to negotiate with it.
don't be afraid if you meet a door-to-door collection. Don't take the initiative to pick a fight, as long as they do anything illegal and hand over the whole video and evidence to the police in time. Now it is a society ruled by law, and no one dares to run amok openly. Door-to-door collection is also a way of collection. Many people are immediately scared and don't know what to do when they hear that they want to go to the door. Speaking of things, you must treat them calmly. Everything has a solution.
The risk of home call is relatively high, because they don't know whether the borrower is at home, and they don't know about the borrower, such as whether the borrower's quality is low, whether there will be overreaction and the borrower's physical health. In the process of collection, usually three people go together, one for taking photos, one for asking and one for recording. The main purpose is to find out the reasons for overdue loans and negotiate repayment. The attitude is relatively mild, so you don't have to worry too much. However, there are exceptions to everything, and there may be bad-tempered collectors, but no matter what kind of collectors want to come to the door, everyone should take several measures:
1. Prepare self-protection measures in advance
Install monitoring devices at home in advance and prepare audio and video recordings, so that if malicious collectors take some violent measures, you can defend yourself in the form of self-protection and call the police if there is a fight.
2. Show your attitude
From the current situation, although the relevant departments have stepped up their supervision of the online loan market, some platforms still have problems such as usury, beheading and violent collection. At the same time, if the other party's violent collection seriously damages its own economic interests, it requires the other party to apologize and compensate.
3. Prepare a recording pen. If the online loan is outsourced to a local collection company, the people who come to the door will generally be rude. At this time, the borrower needs to be vigilant. It is best to prepare a recording pen. They often force borrowers to repay their loans through verbal stimulation, but they will not do it easily. At this time, if you have mastered the evidence of the other party's swearing, you can choose to call the police. How to deal with door-to-door collection
It is legal for banks to make door-to-door visits after the credit card is overdue. Debtors need to pay attention to it and try their best to cooperate with the bank, but they don't have to be too nervous, let alone choose to escape or ignore it.
There are detailed regulations on the process of bank visits abroad, and it is illegal to go beyond this regulation. Understanding the bank's top process is also helpful for debtors to handle their own debts.
1. Departure: The collection personnel will not go to the door alone, but usually two foreign visitors will attend each door, carrying the debtor's credit card debt collection materials, letters of introduction, recording pens and cameras.
2. Notification: The bank will call the cardholder to explain the door-to-door time, and the person in charge will record the arrival time and inform the foreign visitors of the exact location and door-to-door time at any time.
3. Photographing and recording: The foreign interviewer takes photos and records the environment around the target address, and records the whole process.
4. Visit: If the cardholder himself is found during the visit, the foreign interviewer will immediately identify himself and indicate his purpose, check the customer's mobile phone, home phone number and contact address, and ask the customer to sign a dunning notice or lawyer's letter. If the debtor is absent and relatives or family members are present, the foreign interviewer will ask the relationship between the related party and the debtor in detail to understand the debtor's economic situation and current situation, ask the related party to convey repayment information and ask the related party to make compensation as appropriate, and finally ask the related party to sign a dunning notice or lawyer's letter on his behalf.
if no one is at home, the foreign interviewer will first call the cardholder's home phone, pay attention to whether there is a telephone ringing in the door, and then call the debtor's mobile phone to check the home address. At the same time, experienced foreign visitors will visit and investigate around the debtor's residence, and find the cardholder's neighbors, property, neighborhood committees, village committees, film police, security guards, etc. to collect relevant information of the cardholder. If the cardholder has a fixed private mailbox, the foreign interviewer will put the legal notice in an envelope, marked "Please don't open it unless you are my own" and put it in the borrower's mailbox. What's a good way to deal with the overdue collection of online loans?
Preface: For online loans, it is very likely that you will encounter some door-to-door collection. If the situation is light, you will lose face, and if it is serious, you will face a situation of making trouble. The debt collector is in a rage, and the debtor is on tenterhooks all day. After such a situation, it really makes people very worried about the following small series, so I will share with you what are the better coping methods.
1. negotiation
for some more formal online loan platforms or banks, their staff generally don't come to collect money in person. If there is a door-to-door collection, then it is likely that some debt collection companies are outsourced by banks or online lending platforms. For these debt collection companies, the means they use are all inferior. We all know that without the permission of the parties, these debt collectors can't enter the house. In case of forced entry, we can call the police. The best way is for both parties to negotiate.
Second, keep the evidence
Some debt collectors use methods that make people feel very speechless. If they find such violent and challenging behaviors as insulting harassment or beating and cursing, then we can resolutely fight back and keep some evidence. For some debt collectors, they will know the psychological characteristics of debtors in advance. At this time, we must ensure our own life safety. Now it is a society ruled by law. If such a serious matter is discovered, we can handle it through formal channels.
Third, take judicial channels
Some debt collectors use all kinds of violence or wander on the edge of the law when collecting debts. At this time, we can take judicial channels. Xiao Bian suggested that overdue behavior is terrible, which will affect your credit information. We'd better borrow money to fill this hole, and develop good consumption habits, so as not to have online loans again. The online loan is overdue, and the call is not answered. What should I do if I send a text message saying that I want to come to the door?
With the development of science and technology, we have officially entered the Internet era. The Internet has not only brought great convenience to our lives, but also spawned many emerging industries. The online loan industry has developed rapidly with the advantages of the Internet, because online loans have the advantages of loose review and quick payment, which are welcomed by many young people. However, online loans also have a disadvantage, that is, the interest is relatively high. Many borrowers may be overdue for various reasons after borrowing, and at this time, online companies may be overdue.
1. Will the online loan be overdue?
The borrower will pass a series of identity verification when making the online loan, and all the information of the borrower has been known by the online loan at this time, so if the borrower really fails to repay the loan seriously, then the online loan platform may actually arrange for someone to call the borrower's home for payment.
However, it is not necessarily the personnel of the online loan platform who go to the planner's home to collect money. At present, many online loan platforms have contracted the business of bad debt collection to collection companies, and the personnel of these collection companies will go to the borrower's home to collect money according to the information provided by the online loan platform.
2. How to deal with the situation of violent collection
At present, China is a legal society. When a borrower is faced with violent collection, he can determine whether his online loan platform is formal according to relevant regulations. If it is not, the borrower has the right to refuse to repay the high interest, and only return it according to relevant laws and regulations. If the collection personnel carry out violent collection and harass their family members, then the borrower can choose to call the police to handle the matter.
3. Young people should establish a correct concept of consumption
Many young people have just stepped into the trap of online loans because they have not established a correct concept of consumption. Therefore, young people should spend wisely, do not compare with each other in their daily lives, and do not spend ahead of time. They must spend according to their actual ability.