How does Haiju Xinda claim money?

Haiju Xinda took the way of telephone collection at the early stage of overdue. If the arrears are not handled for a long time, please invite foreign tourists to collect them. Haiju Xinda integrates the existing collection resources, and sets up a general control center, an electric reminder department, a negotiation department, a credit investigation judicial litigation department and a loan officer collection department, so that borrowers can cooperate with the collection work at any link and repay the loan smoothly.

First, the short message phone reminder stage

Many online lending companies start sending text messages and calling every day before the loan expires to remind them that they are about to repay. Overdue for more than one day: call for payment every day, ranging from several to dozens a day. At this time, overdue is still "good intentions", so euphemistically persuade to repay as soon as possible, otherwise it will lead to overdue fees and affect the credit investigation. Exploding the address book: At this stage, technical means are generally used to call borrowers or contacts on the phone records to demand repayment, and even illegal means are used to collect money, such as forging indictments, forging arrest warrants, forging false chat records and other means.

Second, the reminder and warning issued by Haiju Xinda

For some borrowers, debt restructuring and debt relief can be provided. For borrowers who are willing to repay but have limited repayment ability, contact third-party institutions to provide debt restructuring, delay repayment, and reduce certain penalty interest to ease repayment pressure. Interested borrowers can actively contact the platform for consultation and negotiation. Further strengthen the information disclosure of untrustworthy people. Haiju Xinda Platform successively submitted the information of the untrustworthy person to Shenzhen Mutual Gold Association, and continuously published10.4 million pieces of information of the untrustworthy person, including name, ID number, loan information, etc. through official WeChat accounts and other channels. Improve information publicity channels and severely crack down on malicious debt evasion.

Haishu Xinda platform is accessing the central bank's credit information and has completed the production environment test. After formal access, credit customer information will be submitted to the central bank for credit investigation one by one. For borrowers with bad records, they will be restricted in many aspects such as buying a house and a car and educating their children. In addition, Haiju Xinda Platform has submitted the borrower information to Baixing for credit investigation.