Is it true that Fenqile contacted family members?

Is it true that Fenqile is overdue and said it will visit your home?

It may be true that Fenqile is overdue and will visit your home. If the user's overdue situation is serious, or the overdue amount is large, and the user's location happens to be the location of Fenqile's collection partner agency, then collection personnel may come to visit. Since the location of the user is not in the same area as the location of Fenqile's collection partner agency, the probability of a door-to-door visit by collection agents is very low.

Fengqile mainly collects overdue debts through text messages and phone calls. As one of the collection methods, door-to-door visits are relatively expensive. Fenqile prefers to use small costs to recover arrears. If there is a text message or phone call informing that a collection officer will come to collect the debt, the collection officer will not come to the door at this time. The collection officer just wants to use intimidation to get the user to repay as soon as possible. .

If the user has paid back part of the debt, or has plans to repay, then the collection staff will not come to collect the money, and the frequency of collection will also be reduced.

Extended information;

Is it illegal to come to your door to collect debt?

1. Generally speaking, it is legal to come to your door to collect debt after your credit card is overdue. As long as the collection agent has no other infringement or illegal behavior, it is OK. If the debtor refuses to perform its due debts, the bank can apply for arbitration or initiate litigation.

2. Third-party collection means that in order to save prosecution costs, the bank will outsource the collection work to a third party. This is a legal authorized agency relationship. As long as the door-to-door collection by the third party is within the scope permitted by law and does not use violence, coercion, intimidation, abuse and other improper collection behaviors, it can also be regarded as legal collection. Is it true that Fenqi Le owes more than 2,500 yuan and called and said he would come to his home?

It was a lie that Fenqi Le owed more than 2,500 yuan and called him saying he wanted to come to his home.

Fenqile is a financial credit product and a stage-style shopping mall for college students. It focuses on providing stage-style shopping and cash consumption services to college students. You can use it to shop in installments and enjoy the experience of spending now and paying later. Fenqile has always had a close relationship with JD.com, and has always had a cooperative relationship with JD.com.

On June 15, 2016, Fenqile announced the completion of its first round of Series D financing of US$235 million. Fenqile has established cooperative relationships with many well-known brands such as Apple, Huawei, OPPO, vivo, L'Oreal, and Philips. Judging from the sales of many brands, it has become the third largest Internet channel after JD.com and Tmall.

Fengqile Mall has also introduced e-commerce platforms such as JD.COM Mall, Xiaomi Youpin, and Kaola Haibao, and exported its transfer service capabilities to many high-quality external platforms such as Ocean Terminal and Mafengchao. If you receive a call from Fenqile saying that a family member's loan is overdue, how do you know if it is true?

If you receive a call from Fenqile saying that a family member's loan is overdue, you can first verify whether a family member actually borrowed the money. Give Fenqile, if not, then this call may be a scam call, you can call the police to deal with it. If a family member really lends money to Fenqile, you can contact Fenqile customer service to verify the loan situation and find out whether it is overdue and the circumstances of the overdue payment. If it is indeed overdue, you can contact Fenqile with your family to repay the loan as soon as possible to avoid affecting your family's credit record. Will my parents be contacted if my installment loan is overdue?

Parents will be contacted if the installment payment is overdue. This situation is actually very common. When we register for Fenqile, this software will collect some of our personal information. For example, you must upload your address book before you can apply for a loan. So at this time, if you say Fenqile If it's overdue, we'll call you one by one. For example, notify your parents, or notify your family, relatives, and friends, send them text messages or call them to let them know about it. Then this time will have a very bad impact on you. Modern people basically have a disgusting view of people who take out loans. Most of the time, don't bring harm to others, and take responsibility for what you do. However, a platform like Fenqile itself is not particularly formal. It may also use some violent collection methods, and the loan interest rate is relatively high. It cooperates with other third-party platforms to provide loan products. So the quality of these loan products itself is unknown, and the risks are relatively high.

Try not to let your installment be overdue. If it is overdue, your family and friends will be notified, and they may even go directly to your home to collect payment. When faced with such a situation, it may have a great impact on the individual. Many people are particularly deeply affected by the loan, and even commit suicide. This situation often occurs especially among college students. Because students have a strong desire to consume and have no financial resources, it is easy for them to go to these loan platforms.

And because one’s own financial ability is very poor and there is no certain source of income, many times there will be a situation where you cannot afford to pay back the loan and it will be overdue. The consequences at this time are more serious, and may affect your credit report, and more importantly, it should have an impact on yourself. There is also great damage to your reputation. When others mention you, they may say that you are the person who owes money but has not repaid it, or the person who likes to take out loans. They will automatically add such a label to you. In the future, Life will also be very uncomfortable.