Why not urge the online loan to be overdue?

Online loans are generally collected after the deadline, and the way of collection is also quite disgusting. However, some users said that after the online loan was overdue for one year, the online loan platform basically did not collect it, and even did not receive a collection call for two or three months. What the hell is going on here? A collector tells the truth, mainly the following points.

The online lending platform will not give up these debts, let alone the online lending platform. Even if others owe you money, it is estimated that you will not give up. So this is not because the online lending platform has given up, but has its own way of handling it. Under normal circumstances, the online lending platform will transfer the creditor's rights. During this time, the online lending platform is likely not to continue to collect, because these debts will be transferred, and it is of little significance to continue to collect. The transferee of creditor's rights will not collect debts because it has not confirmed the transfer of creditor's rights. To put it simply, these things don't belong to you yet, and of course you won't accept them.

Many people don't know much about the transfer of creditor's rights. For example, someone borrowed 10 thousand yuan from me and didn't pay it back. And I don't want to continue to entangle, so I transferred my creditor's rights to a third party. Suppose I accept his 1000 yuan, then the borrower will no longer owe me money, but the third person's money. As a result of the transfer of creditor's rights, I got 1000 yuan. This is equivalent to recovering part of the principal, and the online lending platform is no exception, and the creditor's rights will be transferred accordingly.

So what will happen to the debtor after the transfer of creditor's rights? Generally speaking, the creditor's rights will be collected after the transfer, and the frequency of collection will increase. This is because creditors have just obtained the right to collect these debts, so they will collect them. For the debtor, it may have been overdue for one year. For the transferee of creditor's rights, they just got the creditor's rights. Most importantly, as long as they want their money back, it's all their own.

Simply put, when you need a credit report one day, you can't eliminate the bad credit record by paying back the money to the creditor. You have to go again with the debt settlement certificate. The purpose of this is to record the fact that you paid back the money in the database. Usually, when we pay back the money directly, we report it directly to the credit bureau, but after the transfer of creditor's rights, most of them pay back the money offline. Do you have any better views on this?

Related Q&A: Generally speaking, the collection time of different online loan companies is different. The collection period of most online loan collection companies is about half a year. After more than half a year, the account may be broken.

In fact, an important reason for overdue online loans is careless platform selection, high loan interest and deceptive repayment methods.

There are various loan products and repayment methods, such as average capital, equal principal and interest, equal interest and so on. Different repayment methods will lead to different loan interest. How to avoid the loan being pitted? How do you know if your loan cost is high? Spending money on price comparison artifacts can help you. Use the price comparison artifact before lending to let you know which loan product is more economical!

Related Q&A: How long is the online loan overdue? The rapid economic development has also brought many negative effects, such as the rise of house prices and prices. Under the double pressure of house price and price, more and more people feel the pressure brought by life and economy. Many people can't make ends meet every month, and they are even heavily in debt. Under such circumstances, many online loan apps appear constantly, and some people even borrow huge amounts of money, which will lead to many tragedies. I think this kind of thing can be seen in all kinds of news. How long is the online loan overdue? As long as you get through these four points, you will become a bad debt and you will have benefited a long time ago.

First, telephone harassment. In our real life, I think everyone knows that it is difficult to borrow money, but it is easy to pay it back. Even if you put down your posture and borrow money from others, they will still put on a high horse and may not be able to lend you money. For online loans, it is different. If you borrow money online, it is easier to borrow money than to pay it back. Borrowing money online does not need to be low-key, but compared with borrowing money from friends, interest and overdue fees will be more. The routine of online lending is very deep, and various expenses sometimes add up to half of the principal. Online lending platforms sometimes worry that you can't repay the borrowed money or can't afford it. They will keep harassing you by phone a few days before the repayment date, urging you to repay, and even telling you the threat of overdue repayment.

Second, debt outsourcing. The online lending platform can't have only one customer, nor can it always revolve around you. After a certain period of time, they will sell your information to a third party for them to collect. I believe everyone has seen these collection methods in TV dramas. Although it may not be so exaggerated in real life, it is still scary.

3. Seven days before the deadline. Your overdue time will be recorded in the background of each online lending platform. According to the length of overdue time, they adopt different dunning strategies. If it is overdue for 7 days, they will usually call you continuously until you get through. In this case, I suggest you answer the phone. At this time, the staff of the platform will keep telling you the consequences of not paying back the money. We are adults. You should have the ability to distinguish right from wrong and know how to distinguish right from wrong in a paragraph. Usury will not be used for credit reporting and is not protected by national laws.

4. One to two weeks overdue. If it is overdue for one to two weeks, the person on the online loan platform can't hold back, and his attitude towards you will change. He will even try his best to get the money back, even call your family or splash red ink at home. I think everyone can see this scene in TV series.

If you can survive these four processes, you will become a bad debt. These four processes do not mean that you can survive easily. After all, it means you have to hide your debts everywhere. But it doesn't mean that you don't have to pay back the money after it becomes a bad debt, but you should pay off the principal and interest within the scope stipulated by the state as soon as possible. Therefore, online lending is risky and everyone should be cautious. When you do something, you should also consider the consequences of this matter, and at the same time consider whether you have the ability to bear the consequences.