What should I do if the online loan urges me to send and receive information?

The online loan is overdue. What should I do if someone sends a text message to my home now?

The online loan is overdue. Now, if someone sends a text message to pick it up at home, first of all, everyone should stay calm. Compared with us, we didn't steal or rob, but the online loan was overdue. This is a civil dispute. Just negotiate repayment.

If the online loan is overdue, 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, look down on you when they meet in the future, and then come to collect it. Sometimes it happens that there are guests at home and the collection comes to the door. It was awkward. So it's best to negotiate with it.

Don't be afraid when you come to collect money. Don't take the initiative to find fault, as long as they have done anything illegal, and give the whole video and evidence to the police in time. Now it is a society ruled by law, and no one dares to openly run amok. Door-to-door collection is also a collection method. As soon as many people hear that they are coming to the door, they are immediately scared and overwhelmed. When it comes to things, we must treat them calmly. Everything has a solution.

The risk of door-to-door collection is relatively high, because they don't know whether the borrower is at home or not, and they don't know the borrower's situation, such as whether the borrower's quality is low, whether there will be an overreaction, and the borrower's physical health. In the process of collection, three people usually go together, one to take photos, one to ask and one to record. The main purpose is to find out the reasons for loans overdue and negotiate repayment. Be gentle, don't worry too much. However, there are exceptions to everything, and it is also possible to meet collectors with bad temper. However, no matter what kind of collector wants to come to the door, everyone should take several measures:

1, take self-protection measures in advance.

You should install monitoring equipment 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 if there is a fight, you can call the police.

Step 2 show your attitude

Judging from the current situation, although the relevant departments have stepped up 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 it is an online loan outsourcing local collection company, people who come to the door are generally rude. At this time, borrowers need to be vigilant. You'd better 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.

What about the collection at home?

After the credit card is overdue, it is legal for the bank to visit at home. The debtor needs to pay attention to it and try his best to cooperate with the bank, but he should not be too nervous, let alone choose to escape or ignore it.

There are detailed regulations on the process of banks' overseas inspection, and it is illegal to exceed this regulation. Understanding the top-level processes of banks also helps debtors to handle their debts well.

1. Departure: The collection staff will not come to the door alone. Usually, there will be two foreign visitors at each door, carrying the debtor's credit card collection materials, letters of introduction, voice recorder and camera.

2. Notice: 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 specific location and door-to-door time at any time.

3. Photographing and recording: Foreign interviewers take photos and record the surrounding environment of the target address, and record the whole process.

4. Visit: If the cardholder is found during the visit, the foreign visitor 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 reminder or lawyer's letter. If the debtor is absent and relatives or family members are present, the foreign interviewer will inquire about the relationship between the related party and the debtor in detail, understand the debtor's economic situation and current situation, ask the related party to convey repayment information and ask the related party to compensate as appropriate, and finally ask the related party to sign a dunning notice or lawyer's letter on its behalf.

If no one is at home, the interviewer will call the cardholder's home first, pay attention to whether there is a phone 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, looking for the cardholder's neighbors, property, neighborhood committees, village committees, film police, security guards and so on. Collect relevant information of cardholders. If the cardholder has a fixed private email address, the foreign interviewer will put the legal notice in an envelope marked "Please don't open it unless it is my own" and put it in the borrower's email address.

Is there any good way to overdue collection of online loans?

Foreword: For online loans, it is very likely that there will be some door-to-door collection. If the situation is light, you will lose face. If it is serious, you will face a situation of trouble. Debt collectors go on the rampage, and debtors are on tenterhooks all day. After such a situation, people are really worried about the following small series, so I will share with you some better ways to deal with it.

First, the negotiation process

For some more formal online lending platforms or banks, their staff generally do not collect money in person. If there is a door-to-door collection, it is likely to be some debt collection companies outsourced by banks or online lending platforms. For these debt collection companies, the means they use are inferior. As we all know, these debt collectors can't enter the house without the permission of the parties. In case of forced entry, we can call the police. The best way is to negotiate between the two sides.

Second, keep the evidence.

Some debt collectors use methods that make people feel speechless. If you find violent challenges such as insults, harassment or abuse, you 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, you must ensure your own life safety. Now it is a society ruled by law. If we find such a serious matter, we can handle it through formal channels.

Third, take the judicial route.

Some debt collectors, when collecting debts, use all kinds of violence or wander on the edge of the law. At this time, judicial channels can be used. Bian Xiao suggested that overdue behavior is terrible, which will affect your credit information. We'd better borrow money to fill this hole, develop good consumption habits and stop lending online.

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 age. 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 help of the advantages of the Internet, because online loans have the advantages of relaxed review and fast payment, and have been welcomed by many young people. However, online lending also has a disadvantage, that is, the interest is relatively high, and many borrowers may be overdue for various reasons. At this time, online companies may keep calling borrowers, claiming to borrow money.

1. Will the online loan come to the door for dunning when it is overdue?

The borrower will pass a series of identity verification when making online loans, and all the information of the borrower has been known by online loans at this time. Therefore, if the borrower really has serious overdue or malicious non-repayment, then the online lending platform may actually arrange for the borrower to go to the borrower's home for dunning.

However, it is not necessarily the personnel of the online loan platform who collect money from the planner's home. At present, many online lending 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 lending platform.

2. How to deal with violent collection?

At present, China is a society ruled by law. In the face of violent collection, borrowers can determine whether their online lending platform is formal according to relevant regulations. If it is not formal, 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 families, then the borrower can choose to call the police to handle the matter.

3. Young people should establish a correct view of consumption.

Many young people just step into the trap of online lending because they don't have a correct consumption concept. Therefore, young people should consume rationally, do not compare with each other in daily life, do not consume in advance, and must consume according to their actual ability.