Why do many people borrow money from Huabei overdue, but don’t worry about others calling for repayment?

The post-loan collection specialist will call you to understand the situation. After all, your Huabei and Borrow bei loans are overdue. It is normal for them to call you to pay them back. This is because the outbreak of the new coronavirus pneumonia has been almost two years, and most people have Huabei and Borrow bei loans. They are all overdue. Some of them were borrowed from Huabei and borrowed from Huabei to do business. Due to the impact of the new coronavirus pneumonia epidemic, the business has not started. Instead, we have carried some debts and have no money to pay them back. As long as we admit that the debt is a fact, it is just very difficult now. , there is no money to repay, and some people are working in factories because the factories are affected by the outbreak of the new coronavirus pneumonia and cannot pay wages, or the factories are not operating well and close down, and the factories cannot pay for wages and compensation, and I You know, there are currently several factories that have not paid their employees wages for 3 to 5 months. For example, Evergrande Group is also strapped for funds. An employee of the Guangzhou Branch of Evergrande Group told me that they also owed wages for 3 months. Wages have not been paid. In this case, many factory employees are unable to pay back their Huabei and Borrower loans after they are overdue. They have no choice in such a situation. They do not want to pay overdue Huabei and Borrower loans and be subject to interest penalties after the expiration date. , personal information is uploaded to the personal financial basic database of the Credit Information Center of the People's Bank of China.

If Huabei borrows money overdue, don't worry about collection? I think this is just an isolated phenomenon. For the vast majority of netizens, I believe everyone will be worried once their Huabei or Borrowed money is overdue.

After all, Alipay is not a charity, and their money is not printed casually, so they must find ways to get the money back after the money they release is overdue.

As for some netizens who say that they don’t have to worry about overdue borrowing and spending money, I think these people have never experienced the feeling of being debt-collected.

Whether it is Huabei, Jiebei, or loans from other financial institutions, once everyone is overdue, they will definitely face various collections. It’s just that at different stages, they use different collection methods, but No matter what kind of collection method is used, it is actually uncomfortable for everyone.

For Huabei and Jiebei, there are mainly the following collection methods in different time periods.

If your overdue time is relatively short, such as within one month, Alipay will basically notify you via phone calls, text messages or in-site text messages. They will tell you that your money is overdue, and I hope you can Take the initiative to repay your loan to avoid trouble.

Because being overdue will affect your credit report, bad credit reports will be entered into Sesame Credit and uploaded to the central bank's credit report system. In addition, overdue credit will also incur penalty interest.

For items that are one to three months overdue, Alipay’s collection methods are still mainly conventional methods such as phone calls and text messages, but the frequency of collections will increase.

At this stage, Alipay may have entrusted the collection task to a third-party collection agency for collection. If a third-party collection agency intervenes at this time, collection may be carried out through various methods.

For example, sending you a lawyer’s letter, legal summons, etc.

If you cannot be contacted in person, they may even call your contact to ask for some basic information about you.

At this stage, their tone of collection will definitely be more serious. For example, some third-party collection agencies will threaten users that if you do not repay the money, they will sue you to court or call the police.

But this is just a bluff. From the actual situation, these third-party collection agencies do not have the right to sue users, because the debt lies with Alipay, and only Alipay has the right to sue users.

Moreover, it is said on the Internet that third-party collection agencies will use violent means to collect debts. In fact, this rarely happens.

After all, Alipay is a formal financial institution with very strict supervision. Therefore, even if Alipay entrusts the collection work to third-party collection agencies for collection, they will sign formal contracts with these third-party collection agencies to regulate the collection. Actions of Collection Agencies.

Therefore, under normal circumstances, these third-party collection agencies do not dare to make collections that violate laws and regulations.

Being overdue for more than three months is a serious situation for both Alipay and other financial institutions.

In this case, as for what kind of collection the user will face, it depends on the overdue amount. If your overdue amount is relatively large, such as tens of thousands of yuan or more, Alipay may sue you. Go to court.

There are only two outcomes when you sue to court. One is that everyone pays back the money on time, and the other is that everyone still refuses to pay back the money after the court’s decision.

If you don’t repay the money, Alipay can apply to the court for compulsory measures to freeze your property to repay Alipay’s debts. If you don’t have money in your bank account or some financial account, you can also Freeze other fixed assets including real estate and cars, and then use them to repay debts after auction.

But if you don’t have any assets to auction and no source of income, Alipay may choose to compromise and finally sign a repayment agreement with you and agree to repay it in installments, but generally the installment repayment will not exceed 5 years.

There is another situation where the overdue amount of the user is relatively small, less than 10,000 yuan. At this time, it is indeed a difficult choice for Alipay whether to sue the user to the court.

If the user is sued to court and the user is still unable to pay back the money, then you will have to pay for litigation fees, attorney fees and other expenses yourself, which is not worth the loss.

But if the user is not sued to the court and the user has no intention to pay back the money, if a large number of overdue users do this, it will be difficult for Alipay to recover the money.

So whether or not to sue the court depends on the actual situation of overdue users. Alipay will fully consider the possibility of recovering the money and the potential costs of attorney fees and litigation fees. After comparison, we are confident The user will be sued to court.

After using the above various collection methods, most users’ debts can actually be recovered.

But some users just don’t like this. No matter how Alipay tries to collect money, they just can’t move and are unwilling to pay back the money.

For these users who are unwilling to repay the money, it is not so much that they are unwilling to repay the money, but that their repayment ability is relatively poor, they have no source of income, and they do not have any assets to perform. Therefore, Alipay can only suffer losses.

But for these users who have not repaid the money for a long time, it does not mean that they do not have to pay back the money, and there will be no pressure. In fact, the real pressure for everyone has two aspects. .

First, it affects credit.

Currently, both Jiebei and Huabei will be synchronized to Sesame Credit, and many of your actions on Alipay will be affected. Of course, this is not the most critical.

The most important thing is that Huabei and Jiebei have been connected to the central bank’s credit reporting system. If it is overdue, it will have a great impact on everyone’s credit. If it is overdue for more than three months, your The credit report will basically become black. At that time, whether you apply for a mortgage loan, a car loan, a business loan, or a personal consumption loan, you will be rejected.

Moreover, according to the current relevant regulations on credit management in our country, personal bad credit information will be retained for 5 years, and this time is calculated from the day when everyone pays off all debts. If you fail to pay back for a long time, It will be greatly affected in the future.

Second, penalty interest is generated.

Regardless of whether you borrow or spend money, there will definitely be penalty interest after overdue payment. The longer you are overdue, the more penalty interest will be incurred, and the more fees you will bear in the future.

Third, become a person subject to breach of trust

If your overdue amount is relatively large, for example, more than 10,000 yuan, Alipay may sue you to the court at any time. After the court, if you fail to repay the loan on time in accordance with the court's regulations, you may be included in the list of dishonest persons subject to execution.

Once you are included in the list of persons to be executed for breach of trust, many activities will be affected. At that time, you will not be able to take the high-speed rail, fly, buy a house, buy a car, serve as a company executive, etc.

In short, if Huabei or Jiebei are overdue, I believe that no one will treat it as nothing happened and live every day with peace of mind. Everyone will definitely face various pressures.

It’s just that some pressures can be seen now, while some pressures cannot be seen until later.

Don’t worry at all! What to worry about? It’s better to face it calmly than to be frightened!

Face to face is the best solution. You must not be able to pay it back now. As long as you can pay it back, it will not make your conscience difficult. Don’t mention credit check, etc., it feels like you owe money. It's uncomfortable, but it's not something that needs to be solved. First, communicate with the big manufacturer to see if there is any installment or extension. If so, make money and pay it back. If you don't have a good deal, you will have to face official official reminders and third-party reminders. Ignore it, it’s useless! If you find one and block the other, you will be harassed less and less.

If there is no harassment, you must get into work as soon as possible and make money to pay off your debts! Don't care about yourself and let yourself be decadent on the pretext of healing. Time costs money, and interest rates rise every day. I understand that money is not easy to make, but small money is money too!

If you are in good health, you will earn about 300 a day if you sell your physical strength. There are all kinds of jobs, just try it yourself!

If you have a good mind, go out more often and see what market demand there is. There is also a lot of demand online. How much you can earn in a day depends on your brain!

Just go out, remember, you must go out! This is the only thing. Don’t say that you can make money at home. Others can, but not those with debt. What you go out to solve is not money matters, but people’s matters. Go out every day and see people, cars, and dogs. , look at the road, after a few months, people will come out! Make money at home but also go out!

No more triviality, please listen to the two concluding remarks. Can worrying solve the problem? cannot! Then don't bother yourself! Can I do it again if I regret it? cannot! Then don’t indulge in reminiscing!

My friend’s Huabei was overdue for more than a month. At that time, he probably owed 1,000 yuan and had not paid it back. At that time, he really had no money and still spent money on Huabei. He couldn’t even eat because he had just started working. , I found an internship in a company, and the 3,000 yuan I paid for work was not enough, so I started borrowing money online. At the end of the month, everything comes to mind. My salary will not arrive until it is deferred. I see that I can still spend money on that salary, but my hope is in vain. He didn't pay much attention to it and ignored his repayment date. One day, someone suddenly called him and said: Your Huabei has expired and has been deactivated. Pay it back as soon as possible. At this time, my friend listened as if nothing had happened, thinking that I would return it to you right away, so why are you so anxious? When a friend opened Huabei and was about to repay the money, after paying back the 1,000 yuan, he found that his Huabei could no longer be used, and the system prompted him to continue to perform well before he could activate it. I think many people don’t worry about overdue payments when borrowing money from Huabei, mainly because of the following reasons:

01: I really don’t have the money to pay back, and there is nothing other people can do to collect money, so I can only make late repayments and be in debt. It’s too much. Huabei Borrowing estimates that the amount borrowed is relatively small, so I don’t worry about collection in this regard.

02: On the surface, he is not worried, but in fact, he is very panicked and pretends to be calm. The money has not been transferred, and it may be possible to pay it back after a while.

03: Cut yourself off, don’t rush to pay back the money, and also show that you don’t plan to borrow money in the future. After all, if you don’t pay back the money now, no platform will lend it to you in the future.

Finally:

Everyone will want to pay back the money as soon as possible after borrowing money from Huabeijiebei, but some people really can’t afford it, so they are worried. Sometimes we are already numb, but everyone still consumes rationally. When spending money in advance, you must also consider whether you can pay it back next month.

How can you not worry? Most people will not overdue their debts if they have money. There are only a handful of real bad guys, and it is difficult to have a life of being collected every day.

First of all, it is legal to borrow flowers from Alipay. They will not collect money unless absolutely necessary! It would be hard to tell if you borrowed from other online loan platforms, like those who come out nine times and come back thirteen times, it would be hard for you to tell. Maybe you, including your relatives and friends, will receive calls from collection agencies.

Why doesn’t Hua Bai borrow money overdue and arrange for someone to collect it? First of all, Alipay is a formal platform, and the fees it charges are within the scope of the law. It is a legal and compliant operation. It will not have a negative impact on itself due to such a trivial matter. At most, it will send you a text message to remind you a few days before the repayment period. Tell you not to forget to pay back the money!

Of course, if you keep ignoring it. It will give you a phone call to contact you and see how you are doing. If it doesn't work, it will only return the principal. Of course, you will not be able to use it before the money is repaid. If you don't answer the phone and don't pay back the money, then you can only go through legal proceedings. If you don't pay back the money you owe, first of all, you won't be able to use most of the functions of Alipay, and it will also upload your debt record to your personal credit report. In this way, you are willing to lose money. When your amount reaches a certain limit, Alipay will initiate legal proceedings and formally sue you! At that time, the money you have to pay back will not be the principal and interest, but you will have to pay for the legal fees and other expenses! ! ! Of course, you can ignore those too.

Congratulations on being named "Lao Lazy"! ! ! You can't fly or take the high-speed rail. You can't even buy a soft sleeper on the train, you can only buy a hard seat. By then it was too late!

Everyone will worry, but what is the use of worrying? If you have money, no one will be overdue. They are all forced. As long as you live, there will be a solution one day. Let’s see if it is me who solves the debt or society. Solved it for me.

It can only be said that it is a broken pot. Who wants to be chased for money every day? Nowadays, formal lending institutions are linked to personal credit reports. All loans require checking credit reports. Yes, once there is overdue repayment, it will have a negative impact on personal credit, so you still have to think twice before taking out a loan, and repay the loan according to the actual payment to maintain a good credit score.

If you have money, you will receive more, but if you have no money, you will receive less. If Huabeijiebei is overdue for more than four years, he will take legal proceedings

It has been overdue for several months. Call every day for information. Too lazy to figure it all out. Ignore any text messages starting with 168 or 169 except for 12368. . Work hard to earn money and pay back early