Is the peace of mind flower of Weixiangjia reliable?

Not reliable. It is an online lending platform, not a formal lending platform. Its interest rate is much higher than that of the regular platform, which is illegal, and when you are overdue, the collection method they take may be too excessive, so you need to think carefully before lending.

: 1. Loan collection method:

1. Send SMS notification: Online lending companies will send SMS reminders to borrowers who are less than one week overdue.

2. Call and ask: If it is overdue for about a week, the overdue person will receive a call from the online lending institution. If I can't contact you, the small loan company will contact the emergency contact or the contact information of relatives and friends left when you borrow money.

3. Bomb the address book: You usually authorize the address book to the small loan APP before the loan. When you are seriously overdue, they will pick some people you often contact to collect money.

4. Door-to-door collection: The cost of this collection method is too high, generally only for debtors with large loan amount and long overdue time. Note that it is illegal to make verbal and physical threats when collecting money at home, which may even constitute a crime.

If you ask the court for adjustment, you will send a lawyer's letter or a reminder to your residence.

6. Issue a court summons for direct prosecution.

2. There are several ways to collect bank loans:

1. If you are generally overdue for one week to half a month, the bank will send you a text message to collect it.

2. If it is overdue for more than one month or a billing date, the bank will directly collect it.

3. If it is more than three months, the bank will send relevant personnel to carry out the above collection.

4. If it is overdue for more than half a year, the bank will bring a lawsuit directly to the court.

5. After more than one year, the bank will outsource the collection and hand it over to the collection company for collection, and so on.

Generally speaking, the collection method or behavior of online loans will be worse, and bank collection is mostly done through proper channels and methods.

Third, the impact of overdue loans.

1, and bear the higher overdue fee. For overdue fees, different online lending platforms have different names and different charging standards. Whether it is called overdue penalty interest, overdue management fee or other names, the charging standard will be very high. Therefore, those who have the ability to repay on time should never be overdue.

Second, we must bear the pain of platform collection in various ways. Collection is generally divided into three stages: in the first stage, when you are just a few days overdue, the platform customer service will warmly remind you that it is overdue and let you repay on time; In the second stage, the overdue time is relatively long, and the platform customer service will give a serious warning, and then it will face serious consequences if it is overdue; In the third stage, after a long overdue period, the platform will begin to take practical actions for collection. For example, the platform will continue to send you and your friends and relatives a lot of collection information, which will seriously affect your daily work and life.