Why hasn't the online loan been urged after a period of overdue?

How long does the online loan overdue give up collection? Did the online loan suddenly give up without calling to remind you?

First of all, answer directly.

Judging from the past, there are two possibilities for online loans to suddenly stop collecting. First, the online lending platform gives up collection, and second, the online lending platform will choose other collection channels.

Second, the specific analysis

Other collection channels of online lending platform are.

1, arrange a lawyer to solve the problem through legal channels, and everyone will receive a lawyer's letter and a court summons soon.

2. The online lending platform transfers the debt to a third-party professional institution for collection. After the transfer formalities are completed, the collection will continue.

If you are not clear about your debt and online loan data, you can check it from Winnie Hsin and get a big data report on online loan, which contains detailed online loan application records, overdue details, blacklists and other data.

3. Why did the collection phone suddenly stop calling?

Generally speaking, the online loan collection suddenly stopped, not giving up the collection, but the online loan platform changed the collection strategy.

There are several reasons why the online loan collection suddenly does not call.

1, deferred collection

For some debtors who have failed to collect for a long time, the online lending platform may choose to suspend the collection and collect others instead. After "Lai Lai" relaxes its vigilance, the online lending platform will start to collect again.

2. Change the collection agency

Some online lending platforms employ third-party institutions to collect loans. If the contract between the two parties expires or the online loan platform does not recognize the collection result, then it is possible to change the collection agency. In the meantime, the collection will naturally stop.

3. Report to headquarters

Some online lending platforms are relatively large, with head offices and branches. If the first collection fails, the branch will report the debtor list to the parent company, and the parent company will reschedule the collection time.

4. Change to legal channels.

For some stubborn debtors, the online lending platform may give up telephone collection and change to legal channels. If so, the borrower will face more serious consequences after the online loan collection call stops.

5. Transfer to a third party

Some online lending platforms will package and transfer the creditor's rights to a third party for debt collection after failing to collect the arrears. In the process of transfer, there will be a sudden stop of online loan collection.

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Online loan collection suddenly stopped calling. Are you giving up the collection?

With the rise of online loans, more and more people began to solve the financial problem through online loans. Among the people who applied for online loans, some people failed to repay on time for various reasons and were urged by online loans. However, a friend found that a Skynet loan collection suddenly stopped calling. So, is the online lending platform giving up the collection without calling? Today, let me explain why.

Generally speaking, the online loan collection suddenly stopped, not giving up the collection, but the online loan platform changed the collection strategy. The reasons for the sudden stop of online loan collection are:

1, deferred collection

For some debtors who have failed to collect for a long time, the online lending platform may choose to suspend the collection and collect others instead. After "Lai Lai" relaxes its vigilance, the online lending platform will start to collect again.

2. Change the collection agency

Some online lending platforms employ third-party institutions to collect loans. If the contract between the two parties expires or the online loan platform is not satisfied with the collection effect, then the collection agency can be replaced. In the meantime, the collection will naturally stop.

3. Report to headquarters

Some online lending platforms are relatively large, with head offices and branches. If the first collection fails, the branch will report the debtor list to the parent company, and the parent company will reschedule the collection time.

4. Change to legal channels.

For some stubborn debtors, the online lending platform may give up telephone collection and change to legal channels. If so, the borrower will face more serious consequences after the online loan collection call stops.

5. Transfer to a third party

Some online lending platforms will package and resell accounts receivable to a third party after failing to collect debts, and the third party will collect debts. In the process of resale, there will be a sudden stop of online loan collection.

Generally speaking, the online loan collection suddenly stopped, often not because the online loan platform gave up the collection, but changed the collection strategy. Therefore, the debtor should not take any chances, but must repay according to the contract, otherwise it will be very troublesome.

The online loan was overdue, and the collection suddenly stopped bombing. Is there another conspiracy?

The prospects of the online loan industry in the past two years are far less than before, especially the harm caused by violent collection is getting bigger and bigger, and many borrowers are deeply involved. When some borrowers are crushed and unloved, the debt collector suddenly stops collecting debts at this time. Does this mean that the borrower doesn't have to pay back the money? I'll give you some answers now.

If the collector stops asking you for money at this time and stops all collection methods, it is probably caused by these three reasons.

The bad debt rate is too high.

Every lending platform has a bad debt rate. What the hell does that mean? Is the proportion of overdue orders to all orders. The higher the bad debts, the more overdue people, and the greater the workload of collection.

The energy collected is limited. When the manpower is insufficient and the bad debt rate is too high, the platform will have no time to take care of some overdue customers.

The regulatory authorities ordered rectification.

There have been too many negative news about violent collection in recent years. Although it is natural to pay back debts, violent collection is really not desirable. The regulatory authorities have dealt a heavy blow to this. If violent collection is found, hell to pay will be arrested.

Platform collapse "running"

Now banks have bad debts, and online loans are no exception. After paying the borrower, they must control the bad debt rate within a certain range, or they will face the danger of bankruptcy.

Therefore, if the loan exceeds the red line of the platform and the platform is not profitable, then they will go bankrupt and run away quickly. How can they be in the mood to collect debts?

However, because many online loans now threaten everyone under the guise that your credit information is not good or overdue. Even if they go bankrupt and run away, they have already uploaded the overdue situation of borrowers to the central bank before this. If the credit big data gets worse, the bank will make a record!

However, in any case, it will not stop forever, and it does not mean that it will not be collected in the future. Even if all these loan companies go bankrupt, they will entrust special collection companies to collect them. As a third-party collection company, they will try their best to get the debtor to pay back the money.

It is only natural to pay back debts. You can't be complacent because the collection has stopped, and you are lucky enough to think that you don't have to pay your debts. That's impossible.

If necessary, you can apply to the bank, apply for a credit card or credit loan to relieve your temporary financial pressure. Even if you are in debt, you can repay it through your own efforts.

Try not to go to these so-called loan companies for loans, because once overdue, it will affect not only yourself, but also parents and people around you. Constant collection of telephone calls will also affect the debtor's personal reputation.

Why don't you accept online loans?

Hello, regular online loan borrowing, overdue behavior is not illegal, and online loan platform collects it by phone or SMS. Formal loans should be linked to personal credit information. If overdue repayment occurs, it will have a negative impact on personal credit information. I suggest that you make loans according to your ability, repay on time, and maintain credit information.

There are so many loan platforms now. Choosing a large platform for loans can ensure the safety of funds and information, and the use of loans is more assured. It is recommended to use rich flowers, which is a credit brand of Xiaoman Finance. Provide users with safe, convenient, unsecured and unsecured credit services. If you borrow money, you can go to Xiaoman Financial APP (click on the official calculation). Consumer loans with money to spend, with a daily interest rate as low as 0.02%, have the characteristics of simple application, low interest rate, quick lending, flexible loan repayment, transparent interest rate and strong security.

I would like to share with you the application conditions for consuming products with money: it is mainly divided into two parts: age requirements and information requirements.

1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide installment loans to students at school. If you are a student at school, please give up the application.

Information requirements: You need to provide your second-generation ID card and your debit card during the application process.

Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.

This answer is provided by Youhuahua. Due to objective reasons such as the timeliness of the content, if the answer content is inconsistent with the actual interest rate calculation method of Youhuahua loan products, the display on Xiaoman Financial APP- Youhuahua Loan website shall prevail. I hope this answer is helpful to you.