What should I do if I get a phone call every day?

What should I do if I call for online loan collection?

Coping methods of telephone collection are: coping style, door-to-door collection, telephone collection is also the most commonly used collection method, take the initiative to complain and notify colleagues.

1, coping methods.

Complaint acceptance, clue transfer and information statistics of bad and junk information in information communication networks such as telephone networks. You can complain by phone, at least to some extent, to curb this spam message.

2, door-to-door collection.

Most of them are done by the third-party outsourcing team, which is usually called door-to-door collection, and there are two situations. The first is to visit regularly, including sending letters, looking for relatives and friends, looking for leaders, and exerting pressure through relevant personnel. Regular door-to-door collection will basically bring mobile phones, cameras, contracts and other materials, and some may even bring lawyers. Basically, employees of the company go to the door directly to understand the situation, and there will be no excessive collection behavior, mainly causing psychological pressure on debtors and their families, but these are within the scope of legal compliance.

3. Telephone collection is also the most commonly used collection method.

Because its cost is relatively low. Telephone is generally divided into three types: VoIP, fixed telephone and mobile phone without real name. Internet phones can't be dialed back, and the numbers are all over the world. On the phone, Xiao Cui will use all kinds of tricks, both soft and hard, and even irritate you, deliberately inducing you to talk about malicious debts.

4. Take the initiative to complain.

You can directly contact the online loan customer service to complain that it is illegal to call the company without losing contact. If the collection insists on calling, you can only go to the relevant institutions.

5. Inform colleagues.

It's easy to call for your company's phone number, and you can't stop it. You can tell your colleagues who answer the phone in advance that if someone asks for you, they have left their job or let them ignore it.

What should I do if the online loan is overdue and I make dozens of calls every day?

Someone will definitely call to collect overdue online loans. If you don't answer the phone, you may keep calling, and you may also call your emergency contact. Now there are special collectors to collect accounts, which will affect your life. It is recommended not to use overdue loans, but to negotiate repayment methods later to avoid more and more interest owed.

What should I do if the online loan is overdue and I make dozens of calls every day?

If the online loan is overdue and dozens of calls are made every day to urge repayment, it is suggested to deal with it as follows:

1. Pay off overdue debts. As long as the overdue arrears are paid off, the online lending platform will naturally not be dunned.

2. If you can't pay off the overdue debt temporarily and don't want to continue to be urged, you can take the initiative to contact the customer service staff of the online loan platform to negotiate, inform the other party that you can't repay the loan temporarily, and provide corresponding information support, then express your sincere repayment ideas, and then try to apply for an extension of the repayment period and repayment in installments. The online lending platform will consider it as appropriate. If the negotiation is successful, the online loan platform will suspend the collection.

3. If the online loan platform fails to negotiate deferred repayment, you can try to borrow money from relatives and friends for repayment, and then consider returning it to relatives and friends after the online loan is paid off (relatives and friends will better discuss the repayment time).

Moreover, everyone needs to pay attention. Usually, it is best to develop the good habit of repaying on time and try to avoid overdue repayment. If it is overdue, you must not directly avoid not paying back, otherwise the online lending platform will not call back and may come to the door in the future.

What happens when the online loan is overdue and dozens of calls are not answered every day?

1. Three months before the loan is overdue, the loan platform will collect the loan. If the borrower doesn't answer the phone, he will make multiple calls every day.

In addition, online loans need to provide more than three emergency contact numbers. Generally fill in the phone numbers of parents, brothers and sisters, and the loan platform will directly contact the emergency contact person to explain the reasons why the borrower does not repay.

If the borrower changes his mobile phone number, the professional collection company will be responsible for repayment after three months. The collection company will inquire about the borrower's information through various channels. Even if you change the number, you can find your current mobile phone number.

2. Collect from house to house. For borrowers who don't answer the phone for many times, change their mobile phone numbers and don't repay for a long time, the online lending platform will contact the local collection company to go directly to the borrower's household registration, and contact the local village director or neighborhood Committee to explain the loan situation in the borrower's home.

3. High penalty interest and liquidated damages. The interest on online loans is very high. Penalty interest and liquidated damages will continue to accumulate, and the repayment pressure will be even greater.

What should I do if I borrow more and more online loans?

If you borrow more and more online loans, it is suggested to deal with them as follows:

1. Stop lending and don't apply for new loan products for the time being, so as not to increase debt.

2. Loans that have been borrowed but not repaid should be repaid as soon as possible, especially those that are about to be overdue or overdue. If you can't repay the loan temporarily, you can take the initiative to contact the customer service of the online loan platform to negotiate and try to apply for an extension of the repayment period and repayment by installments. The online lending platform should be considered as appropriate. If the negotiation is successful, the online lending platform will naturally formulate a repayment plan that meets the borrower's current repayment ability, and then repay according to the new plan.

3. Pay attention to repayment. If it is found that illegal online lending charges high interest and there is a phenomenon of "rolling interest", so it is unable to repay, please refuse to repay, or obtain evidence and report to the local CBRC or China Internet Finance Association. If you are often forced to ask for money and disturb your normal life, you can also bring a lawsuit to the court when the dispute is unclear, and you can also report the case to the public security department when necessary.

How to deal with frequent online loan collection calls?

Generally speaking, it is a normal process for the collection personnel to use the telephone to collect after the online loan is overdue. So I hope the borrower will not refuse to answer the phone. If the other party frequently uses the telephone to harass, then you can complain directly, because the Internet Finance Association stipulates that there should be no more than three calls a day, otherwise it will be illegal collection. In addition, if the borrower does not answer any collection calls, it will easily lead to unnecessary misunderstanding with the other party, which is very unfavorable for negotiating repayment. Therefore, after the online loan is overdue, I hope that the borrower will try to answer the collection call. If it is illegal collection, of course, the borrower can complain or refuse to answer.

As a borrower, you must think twice about borrowing money, because it is also the most basic common sense to pay back the loan in the end. In addition, after the online loan is overdue, we should actively handle or negotiate repayment, and don't play missing, otherwise it will be very unfavorable to ourselves. If personal credit is not good, there will be stains and sesame credit scores will drop. Therefore, paying off overdue online loans as soon as possible is the best choice.

How to deal with online loan harassment calls? These methods are very useful!

; ? In recent years, the online loan industry has developed rapidly and many borrowers have benefited from it. After all, compared with the previous practice of running a bank, you can get loans quickly by downloading the mobile APP or paying attention to the official account of WeChat, which has spawned a large number of online lending companies, including some institutions that violate the rules. The borrower will call for payment by telephone bombing or harassment when it is overdue, so what should I do?

Common illegal collection mainly includes the following types: SMS bombing, telephone bombing, repeated calls to my phone for collection, telephone contact with relatives and friends, door-to-door collection, mass posting of indecent pictures, and dissemination of bad information on social networks.

Among them, harassing phone calls are the most annoying category. To deal with this kind of behavior, you can adopt the following methods:

1. When you receive a reminder call, you must stand firm. You will definitely pay back the overdue debts, but don't harass or explode the address book by phone, otherwise you won't pay back a penny. You can negotiate a certain repayment time with it. In this case, the other party may not call again to harass.

2. If you are dealing with usury products, you can calculate the comprehensive rates such as interest and handling fees yourself. If the fees, platform fees and membership fees add up to far more than the statutory interest, you can send relevant contracts, agreements, chat records and harassment screenshots to the CBRC for complaints.

3. If you encounter phone abuse threats, bomb the address book, send pictures in groups, etc. , you can keep the recording and text screenshots and report to the police station. There may be some ways.

4. If the overdue fee of usury is too high, you can choose to sue the court, and the court will calculate. You don't need to pay more interest than the national regulations, and you can also ask for a refund.

To sum up, in the final analysis, there are too many online lending institutions in the market, and it is inevitable to step on thunder. Everyone should know more about loans at ordinary times and carefully understand the institutional background and user evaluation before applying for online loans to avoid unnecessary troubles.