How is it that online loans are not overdue and frequently receive collection calls?

In the last two days, I have often received calls and text messages for collection, but I haven't borrowed money from that app yet. I want to ask if this is fraud? ? What should we do?

I don't think it's fraud

Maybe your friend filled in your phone number when he got a loan. In this way, if your friend can't repay the loan, he will send you a text message asking you to inform him.

There are two possibilities,

1 is a phishing message, because your personal information has been leaked, you can download the APP to borrow money.

Someone stole your information and successfully borrowed a sum of money. You'd better contact the customer service of this company.

If the circumstances are serious, you can sue for rights protection. .

Are you sure you didn't borrow money or disclose your identity information to others? Another situation is that the mobile phone number you are using now is the previous one that has not been cancelled, and all the information you received is the previous one.

After the debts such as credit cards and online loans are overdue, it is inevitable to have direct contact with the collectors. Collectors are usually professionally trained. They have a special set of words that can make the recipients feel pressure, and they even use some illegal means to make violent collection. Remember: you owe money, not life! Don't go to extremes because collection puts pressure on you.

After the debt is overdue, normal and reasonable collection is allowed, and those illegal and excessive collection behaviors have the right to be blocked and ignored. When you receive a collection call, directly tell the other party that you are willing to repay. It's just that there is a temporary problem with your financial ability, and the legitimate principal and interest will definitely be paid back. After showing your attitude, if the other party still insists or even starts to explode the address book, then you can completely block the other party. Turn on the anti-harassment mode of the mobile phone and only take over the phone calls and text messages of friends in the address book.

Many people may just get a credit card at first. After the credit card was too expensive to repay, they went to get a new credit card to return the old one. Then, when the credit card can't be done, they apply for an online loan and use the money from the online loan to pay back the credit card. The debt hole is getting bigger and bigger. Finally, online lending could not go on, and the debt crisis broke out in an all-round way. This process is like boiling a frog. Many people suddenly found that they owed so much until the debt crisis was about to break out in an all-round way! At this time, it is very necessary to sort out your debts. We can make an excel table, list all liabilities and classify different liabilities. For example, we can divide the types of liabilities into bank liabilities, online loan liabilities and direct liabilities of friends.

When sorting out liabilities, we should be clear about several questions: which liabilities are on credit? What's no credit? What is the monthly payment for each debt? How much was paid back? How much do I need to pay back? What is the actual annual interest rate of liabilities? Does it contain illegal interests? Wait a minute.

After understanding the above problems, you will have a more comprehensive understanding of your debt. When repaying, you can set the priority according to the type of debt, give priority to the debts of banks and credit bureaus, and then repay the regular online loans, while those illegal online loans and 7 14 anti-aircraft guns directly refuse to repay and go to the police for handling.

Why did you receive a collection call after the online loan was paid off? You may have met a fake collection.

Borrowing money from online loans is cool for a while, and there are two lines of tears in repayment. Interest is ridiculously high. If you collect it after the deadline, the address book will burst, leaving things you can't borrow money hidden among friends and family. Many people are very annoyed, and they finally get the money back, but they still get calls all the time. In this case, one may encounter false collection, and the other is that the online lending platform has not written off. Here's how to solve it.

1, encountered a fake collection

In this case, criminals mostly obtain overdue borrower information through gray channels, and then pretend to be the collection personnel of the online loan platform to let the borrower transfer money to the WeChat or Alipay account provided by them, saying that after receiving the money, they will transfer it to the online loan platform and let the online loan platform cancel the account.

In order to reduce the vigilance of borrowers, it is usually used as bait to reduce part of the penalty interest or negotiate to repay only the principal. Many borrowers saw that they could reduce their money, fearing that the online lending platform would go back on its word and immediately put the money into these fake collection accounts.

When the money arrives, the fake collection will disappear. The online loan platform has not received the arrears you paid, and it will definitely be collected. In this case, you can only admit that you are unlucky. The online lending platform will not care that you are cheated. What they want is to get your money back.

Therefore, after overdue loan collection, everyone must confirm the identity of the other party. Even if it's really a collector sent by the platform, don't give them the money, but repay it through the channel designated by official website, and keep the repayment record after repayment to prevent accidents.

2. The online lending platform has not been written off.

If the repayment is made through the channel designated by the online lending platform, the online lending platform will not write off the money received, but will receive a collection call and can directly call the online lending platform for write-off.

If the online lending platform can only cancel the account on the grounds of paying liquidated damages, it will not directly complain.

There are many complaint channels, such as local bancassurance insurance bureau, black cat complaint, gathering people to complain, etc. , provided that valid repayment records and screenshots of chat records are provided.

Why is it bombarded by online loans?

Because your friend's emergency contact is you, or the lender maliciously collects it.

1. Because many online lending platforms will visit the address book when the borrower submits the loan application in order to prevent the borrower from overdue repayment, once the borrower fails to repay the loan within the time limit, it will bomb everyone in his mobile phone address book. Let everyone know what he owes and ask him to pay it back. Your situation is that this person owes money to the lending institution, so the institution can only call you, send text messages, and in various ways. If you are bored, you can block such messages and blacklist them.

In this case, you should call your friend to check it first. If it is confirmed that your friend owes money, if not, you can take the initiative to contact the platform, tell the platform that you and the repayment party are just ordinary friends, and tell them to stop harassing themselves by phone, or report it, so as to get rid of the harassment of the platform.

3. You will need to fill in the contact person when making a loan, and some platforms will get the address book information of the mobile phone. If there is personal information in it, they will send you a text message.

：

What is violent collection?

1. Frequent phone calls or text messages seriously interfere with normal life.

The most common collection methods are phone calls and text messages. However, when the collection is so frequent that it affects normal life and work, it is considered as violent collection. Many violent collections will call you hundreds of times during the day, which will make you unable to use your phone normally, or make continuous phone calls or text messages in the middle of the night, which will affect your rest. If you don't answer the phone or text back, they will also use the list in your address book to call or text you.

2, using threats, intimidation, insult, slander and other ways to collect.

Violent collection often involves threats, intimidation, insults, slander and other acts in telephone calls, text messages and emails. For example, the collector will tell you what kind of punishment you will get if you don't pay back the money within the prescribed time limit, or they will tell you that if you don't pay back the money, they will harass your relatives and friends. What's more, in addition to verbal personal attacks, they will also threaten you with direct life threats.

3. Expose or divulge personal privacy, or fabricate or vilify personal data.

Generally, when you use loan products, you will upload personal data. When violent collection finds you, they will often use these data to collect you. A good example is the naked strip that is widely circulated on the Internet, and if they think your information is not very attractive, they will also modify your information through ps and other technologies to achieve the purpose of uglification.

4. Pretending to be a law enforcement agency for collection.

Now many overdue friends will also receive information from the "law enforcement department". The general content is to inform you in the name of law enforcement agencies that if you don't pay back the money, then you will receive a subpoena from the court or what kind of punishment you will be sentenced directly. But in fact, almost all of this information is sent by collectors pretending to be law enforcement agencies, which is obviously illegal. In the normal process of prosecution, you should receive a summons directly from the court, rather than notice in advance.

Why is there a collection call when the online loan is not overdue?

First of all, the collection phone is answered normally. When answering the phone, the collection staff clearly recorded the phone call, indicating to the other party that they are willing to repay, and explaining the reasons why they cannot repay due to debts. It is not what they call malicious overdue, and there is no malicious evasion. They can accept it, but not too often or too much, because they have to live and work normally, and then tell the other party that they sometimes call indirectly, so that the other party can call during this period.

After this step, you can selectively answer the phone call from the other party. During working hours, all harassing calls can be blocked directly, and calls can be answered normally within the set time. If the other party still refuses to maliciously collect harassment, it can also directly block and ask the other party to repay through court proceedings.

But the most important thing is to find a way to repay as soon as possible. Most credit card loans will be submitted to the credit bureau if they are overdue for a long time, so this person will basically be blacklisted, which will have a great impact on his future life and work. A few years ago, some people failed to pay their debts, which was defined as Lao Lai, which had a great impact and might also affect their children's schooling.

Small partners who don't know their credit information only need to pass: wood data. You can check your personal credit score and find this WeChat applet. It is best not to overdue easily, which will not only be harassed by collection, but also affect your personal credit information and cause credit stains. It will take five years to "wash away" the debt. If you don't pay it back all the time, the credit stain will follow you all your life.