I, loans overdue, didn't return it. Will the bank always call relatives and friends to repay?

If there has been no repayment, then the bank will find a third-party professional collection for collection.

1. Whether it's a credit card or an online loan, as long as you overdue the collection, you will immediately call to repay. Of course, at first, it was only internal collection by banks or online lending platforms. Generally speaking, it is mild, which means to inform you that it is overdue and hope to repay it as soon as possible.

2. After the deadline, the online lending platform and the third-party collection found by the bank have the right to collect, but the premise is that the collection method is legal and in line with the regulations, because violent collection has been punished. If the other party has violent collection or other non-compliant collection, you can report it. The borrower will fill in the emergency contact when making a loan, and will call the emergency contact when the payment or platform cannot be contacted, which is in line with the regulations.

1. The collection method of online loan companies is mainly telephone collection, because online loans are basically small loans, and other collection methods are relatively expensive. The "threat" of the collector calling the debtor's relatives and friends is the main means, basically the last resort. Therefore, before this, the collection staff will threaten the debtor to contact his relatives and friends and put pressure on the debtor to pay his debts. Therefore, in order to obtain the telephone numbers of the borrower's relatives and friends, the online loan company will authenticate the borrower at the beginning of the loan.

2. When borrowing money through APP, the borrower must first give the online loan company the right to obtain the address book; Read the borrower's phone records in the last 3-6 months.

3. The basic conditions for personal loans are as follows: at least 18 years old, with full capacity for civil conduct, valid residence certificate and identity certificate; Have a stable legal income and proof, and have the ability to repay interest; When the loan business needs a down payment, it has the ability to pay the full down payment; If the personal loan amount is large, it is necessary to meet the mortgage conditions required by the bank; To apply for credit loans, you need to have a good reputation; Other conditions that meet the requirements of the bank.