Receive a local collect call

If we sum up the past 202 1 year, it is: difficult, too difficult, very difficult. 202 1 is a very difficult year for me, facing unemployment, investment in the stock market, epidemic situation and 720 heavy rains.

I have been reflecting on what caused my present situation recently. At first, I did complain a little. Many friends also said that it is too difficult for us after 90. Most of my friends around me are overdrawing their credit cards and fighting for their lives. This is the debt given to us by the times. Every time I calm down and reflect on myself, I feel that the reason is my own after all.

2021June 10, credit cards and various loans overdue. Since then, they have been faced with various dunning calls, sometimes dozens a day. There are many ways to collect money, such as calling, texting, adding WeChat and sending a lawyer's letter. Some said that they would go to the door to verify, and the sadness inside was only known after experience.

As long as it is overdue, whether it is holidays or weekends, you will receive various calls. Most of them are collected by three parties. After all, they are also urged to pay their debts in order to complete their performance and get a commission.

It is rare to have a few quiet days during the Spring Festival holiday. I didn't expect collectors to be so diligent. On the second day of New Year's Day, my mobile phone rang as usual. As soon as I saw that it started with 02 1, I knew they were going to make trouble again. In order not to affect the atmosphere of Chinese New Year at home, I left my mobile phone at home and chose not to answer it. In the afternoon, my father saw that my mobile phone kept ringing and answered it for me, only to know that it was a collect call.

I also know in my heart that my family, especially my father, are always worried and can't sleep at night.

Then on the third day, the fourth day, the fifth day, and today's return trip, the collection phone has never stopped, but the frequency is much less than usual. After all, it is still during the Chinese New Year.

Whenever I receive a collection call, especially during the Spring Festival, my heart is really mixed. I want to get angry, but I'm not confident. Hey, who told me to owe the bank money? I will try my best to pay my debts no matter what. Several years have passed, and today we are back in the front line of moving bricks. Let's move bricks and pay off debts honestly.

You haven't worn your sword yet, and you've been wandering the Jianghu in a blink of an eye. I hope to travel to Qian Fan and come back as a teenager.

Related questions and answers: 02 1 Is the initial collection a bank phone number? 02 1 is the area code of Shanghai, which means this call is from Shanghai. If you don't pay back what you owe loans overdue for a long time, the loan platform may call your parents to collect it from you. Loans overdue. There are both short-term and long-term loans overdue, and the consequences are different due to different overdue periods. But most people have a lot of misunderstandings about loans overdue, and they will regret it when it has serious consequences! Short-term overdue of loans and its consequences Different financial institutions have different definitions of short-term overdue time. For short-term overdue, institutions generally do not take compulsory measures, but will remind them to collect repayment. The consequences are: 1, high fines and liquidated damages. After loans overdue, in addition to repaying the interest and principal, you also need to pay a high penalty interest and liquidated damages. 2. Leave a personal credit stain. Overdue records will be left on the credit report. Even after repayment, overdue records will be kept for 5 years. Overdue records will affect almost all the subsequent financial activities of the overdue person. 3. The institution that receives SMS and phone call will send SMS and phone call continuously to collect overdue funds, inform the borrower of the serious consequences of overdue, and order the borrower to return overdue principal and interest within a time limit. : Long-term overdue of loans and consequences Generally speaking, overdue for more than 90 days will be regarded as malicious overdue by lending institutions. Banks can sue for recovery if they are maliciously overdue for more than 90 days, regardless of the amount. After the court's decision, the information of the person who has broken his promise (Lao Lai) will be announced to the public, limiting his high consumption and taking the high-speed rail. With the supervision bureau becoming more and more strict, the online loan platform is becoming more and more standardized and strict. Now many online loans are receiving credit information, so the credit information record is a matter of great concern to all borrowers. Today, I will popularize the knowledge of online loan credit information for everyone, hoping to help you. 1. The handling of online loan credit records is very "humanized"; Compared with traditional banks, online credit information is much more humane, which means that you will be given a certain grace period for your unintentional overdue due to temporary negligence. However, if you default for a long time, it is easy to have the borrower's tainted record, which is also the key reminder in the credit information system, which is very serious for personal influence! 2. The retention period of bad credit record of bank loan default is 5 years. According to the Regulations on the Administration of Credit Information Industry, the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident. Bad records will not be discovered by other banks after paying off the principal and interest and liquidated damages for more than 5 years. It is worth noting that the credit stain will remain until the loan is settled. So everyone must cherish their credit records. 3. The retention period of bad credit records of overdue credit cards is 2 years. Credit card repayment information will be recorded by the central bank's credit information system for 24 months. If the card is cancelled, the record will be kept for a long time. Therefore, it is recommended that credit card users continue to use their cards for two years after paying off their debts. During this period, they can maintain good credit and delete bad records from the credit information system by rolling records. All three are based on short-term default. If the overdue information has been uploaded to the People's Bank for too long, pay off the debt and the system will automatically eliminate it after 5 years.