How is the online loan called? What is the most unbearable way for you?

There is a process for online loan collection. Generally, you should call your mobile phone number two weeks after you are in loans overdue from the beginning, to find out your general situation and the authenticity of your reply. I advise you to find a way to pay it back first, otherwise it will affect your credit information. I called you three times in the last two weeks, almost early in the morning and late at night, and then my relatives and friends who left when I lent you money called to tell you that you owed money and see if I could help you solve it. If you are overdue for more than 1 month, the loan company will definitely collect the company from the third party, and then all your relatives and friends will call to ask if you have this matter, so that you are completely finished and everyone knows! This is even more difficult, and I have no choice but to explain it to my relatives and friends.

At present, most collection companies are closely related to bank online loan companies, and the commission of collection companies is also very high, generally at 35%_50%. You said that these collectors were crazy about collecting money and even resorted to unscrupulous means, threatening, intimidating, coming to your door and looking for some underworld to threaten you to pay back the money.

After the general collection staff violently exploded on you, they were all frightened and powerless, and even paid back the money with interest. If they are not scared, they will give up after eating hard and soft conditions, and then go to the platform for another collection company and personnel to collect. Anyway, after this payment expires every month, the address book will be exploded. As long as you don't answer his phone, he won't do it. Over time, the number of calls will be much less, but you must find ways to make money at this time.

Solutions; Only the principal is paid, and the interest is gone. Why? Relatives and friends who blew up your address book generally need to record their phone calls and keep evidence such as SMS threats and fake lawyer letters. Because these acts are illegal, they can't repay more than one annual interest rate: 24%. This is stipulated by the state. If it exceeds 36%, it is illegal to repay the loan.

Both online loans and micro-loans are civil cases and will not go to jail. You can only go to prison if you represent a case. As long as you put these things in order, your own problems will be solved and you will be afraid of nothing. Only by working hard to make money can we go ashore as soon as possible.

The collection staff even made outrageous phone calls to the mobile phones of the 70-and 80-year-olds, and scolded them for not dying. These collectors are simply not human beings and have no humanity to collect. They scold all your relatives and friends in the address book. It's crazy to collect these people!

These are also my personal experiences. If you have experienced this, please communicate more and go ashore as soon as possible! thank you

In fact, they are paper tigers and dare not do anything with you.

I was unlucky enough to get a card. As a result, I owed a card to a person who couldn't afford a small loan, and I got it.

After three or four days, they called. Although I said I was a new card, I was not the one they were looking for. Three minutes later, another dunning call came.

I explained it dozens of times in a few days, but then I had no choice but to turn it off. Fortunately, there are two cards in the mobile phone, and then you need to use traffic. After I opened the card, I started calling again, and all the phones kept ringing.

I called again some time ago.

He asked me, "Is it xxx?"

I said, "Yes."

He said, "When will you pay back the money?"

I said, "I borrowed it myself. Why should I pay it back?"

He paused for a moment and said, "What did you say? What did you just say? "

I said, "Why should I return what I borrowed with my ability?"

Everything that made him angry stammered. He said, "You broke the law and we will sue you. You are a liar and deliberately don't pay back the money. We recorded the whole process. "

I said, "Sue, where you like, there are people above us."

He said: "We go to your house to ask for money. We have your address. If your relatives and friends know it, your reputation will be ruined."

I said, "I'll lend you a hundred courage and see if I can break your leg."

Then I scolded him one by one, and finally I hung him up and closed the card.

Later, I called several times, and I made it clear that I wouldn't refund it, and I would drop it as much as I liked. There is no news now. Just a bunch of paper tigers.

There are relatives at home who are collecting money and know a little about this business.

Online phone calls or text messages bombard your address book, and many people can't help bursting it. After all, everyone you know knows that you owe money and don't pay it back. You have financial problems. It will be awkward to associate with others in the future.

Black online loans and small online loans with beheading interest will not be accepted at home. The collection that can be done for them is basically a hard bone that has passed the bombing stage of telephone messages, and most of the small loans have become bad debts. Online lending companies also acquiesced. They all collect a large amount of money, and they all want to go to the credit investigation or bank, with the level of 500,000 to1000,000. If they want to come back, the profit share is also high. Of course, the cost of collecting accounts is not low.

First of all, there is basically no violent collection now. In a society ruled by law, if you violently answer the other party's phone, you will be taken to the police station no matter what your reason is. For example, in earlier years, they would use violent means to collect money, but now they basically won't.

1, 24-hour personal follow-up

I followed you to work and didn't make any noise at the door of your unit. Five or six big men stood quietly at the door of your unit. I'll follow you when you go home. Never come in uninvited (there is no explanation for breaking into the other party's alarm without authorization). As long as you put a bench or folding bed in front of your house, the speaker will play the words at normal volume. Most people can't stand staying for a week. After all, I have to work. Even if you are not an enterprise or an individual boss, you don't want a person to follow a lot of accounts every day.

2. Stickers

This is done less, and if the other person is already lazy, they don't care much about it. Relative fame is no longer important to him.

3. Find parents, children, relatives and friends.

If debtors don't make money themselves, they will give priority to their parents according to your social relationship, which is also a 24-hour shift, or go to their children's school, which is also a 24-hour shift.

They will never swear, hit people or threaten people, but they will calmly tell you what we are here for, and we will leave after you pay.

4. Display materials

They will show you the other party's property list, court filing materials, credit information, pre-published information in newspapers and so on. So that you know that if you don't give it now, the court will seize your property.

5, the whole record (camera, voice recorder, mobile phone shooting)

The whole video ensures that you can't say that others are illegal and violent. Secondly, the video will be used as evidence to say that if you don't pay back the money, it will be released.

Online lending is a bottomless abyss. You'd better not touch it unless you have to. From a legal point of view, more than three times the bank interest is not protected by law. Online lending is a high interest rate, which is not within the scope of legal protection, let alone credit investigation.

Online loan collection is nothing more than those methods, 24-hour telephone bombing; Door-to-door violence collection; Expose the video and damage your reputation. This kind of plan may have a certain impact on you before you are down to the extreme. If you are desperate, neither of these plans will work for you.

I have also experienced online loan collection. I remember it was at 10, and the cash flow in the project was difficult. I borrowed a 20,000-day online loan, 10, with interest of 2000. The actual bank card is 18000. I signed a bunch of things at that time, and I didn't read them carefully. Anyway, I thought I would be in 10 day. Later, I exceeded the deadline by one day, and the interest rate rose seven or eight times. I discussed with them and asked them to bend the rules. They didn't agree, so the matter was not solved and all means were exhausted.

At first I threatened them by phone, but I ignored them. They called my wife, friends and parents. After several days, it was really painful. I asked them to pay back the principal, but he refused. Later, they sent people to make trouble. They follow me wherever I go, and they follow me when I eat and go to the bathroom. They followed me when I went out to talk about things. They don't beat you, they don't scold you, they want money, and that's the most terrible thing. I lost several projects. I almost collapsed, and then I stopped going out. They stayed at my house for half a month. Seeing that there was nothing they could do, they agreed to let me repay the principal.

Here, I also advise the majority of netizens that online lending must be the last choice. I also wish friends who owe online loans to get rid of disputes as soon as possible.

From a moral point of view, paying debts every day does not mean being humiliated. If I don't even pay them back the principal, they can't help it. They crossed the red line first.

I'm two years overdue. At the beginning, there were more than 50 phone messages every day. After one week's delay, the address book was completely crowded, which I couldn't accept. Simply break the jar and break it, explain the situation in the circle of friends of WeChat group, find a friend to set up a mobile phone number, and go to work with peace of mind to make money. When I have time, I will answer the collection call and directly tell the platform of the address book. I only accept the judgment of the court, and I will pay as much as I can. It's two years overdue and no one has sued me yet. There are only 1-2 calls a week.

The most common way to collect money is to call the dead.

The most unbearable thing is

Obviously, I don't know that man very well and I can't even get in touch with him. I can't remember who it is for a long time, and I don't have any contact information.

I don't know how many times a day I call you to contact me.

Really, why didn't you call to confirm when you left your number? When you can't find someone to pay back the money, seeing a number is like a lifeline. This is a deadly bombing. Your head is big.

What are the legal responsibilities? Sue. You said you couldn't get in touch, so you kept calling. The air you said.

Hit a dozen or twenty a day

If I see that man, I really want to slap him.

My husband eavesdropped on his phone and knew how to collect money.

What's the first thing? If you forget to return the IOU, you will call you the morning after the IOU expires. At first, the tone was ok, that is, before what time you have to pay back the money, otherwise there will be consequences, such as affecting your reputation, mortgage the property, and recalculate the interest every day.

Secondly, if you haven't returned it within the specified time, I will call you several times to urge you to return it quickly. If you don't change it,

Next step: It is possible to implement the next method. Forcing you to change money, you may call relatives and friends or something. Maybe someone here will say, how did he know the phone number? What else can you hide in this era of transparent information? Self-brain tonic is in the back

Summary: Step 1: Salute before the soldiers.

Step 2: Call in the middle to urge.

Step 3: scare+call a friend.

I feel sorry for reasonable collectors. I just got a call from Weizhong Bank today. You said you'd get whatever you wanted. You said you wanted a job number, and he also said that you could call 1 10 directly, saying that the public security bureau would handle these situations to see who was disturbing the order.

And parents' phone numbers. He said he wanted to ask how poor we really are before he could pay thousands of dollars.

If you don't say you can't stand it, there's nothing to say. The debtor can't say anything except the debt collector. He knows everything you want to say and everything you can't say.

No matter what you say, they have countermeasures. Being uneducated is terrible, and being unprofessional is even more terrible!

1. SMS collection

2. Telephone collection

3. Network tools (such as QQ, WeChat, email, etc.). )

4. Legal collection

5. Overseas visits to collections

The current collection methods are basically the above five.

Usually it's a phone call, and then it's a threat