Excuse me. Will you call your friends at home after the deadline?

Will Alipay contact your family when it is overdue?

My family mainly sends messages or calls me to collect money. Unless the arrears are overdue, Alipay can't contact me, and may contact its emergency contact person according to the relevant information provided when registering to open an account and applying for a loan. As for the specific time, I am not sure. It is estimated that if the dunning is not paid for two or three months, it is possible to call home.

And if you can get in touch, you won't contact your family if you keep returning it. The reason why I contact my family is that I want to know the current situation through my family, so as to achieve the purpose of urging repayment, rather than asking my family to repay on my behalf.

We also need to note that if the overdue period is too long, the amount of arrears is relatively large, and many parties can't contact anyone, then Alipay is likely to bring a lawsuit to the court and let it repay through legal channels (generally, it has the right to sue if it is overdue for more than three months, but Alipay will not sue easily).

If it is not because of overdue illegal households, then we should look for other reasons, such as whether the frequency of applying for online loans is too high. If you don't know, you can look it up on Winnie Hsin. As long as you know what causes you to become a black household, you can improve online loan big data according to the reasons.

Extended data:

Is it illegal to contact your family in arrears?

In fact, when the third party of the borrower is in loans overdue, it is illegal for the collection personnel to contact their relatives for collection. If it is not illegal to reserve emergency contacts, it is illegal if there is no emergency contact in the address book. Because it involves personal privacy and reputation, it is necessary to collect evidence, sue or complain to the regulatory authorities.

Borrowers are advised not to wait until the online loan is overdue before they want to negotiate. They can take the initiative to contact customer service to negotiate repayment before the deadline, give a grace period or directly reduce interest, and the customer service can call several times if it disagrees.

When communicating with the collection staff, you need to be sincere. Don't just say you have no money. They are tired of hearing this. After you can tell the difficulties, express your good willingness to repay, list your repayment plan, and show that you have work income and are trying to raise money.

If there are irregularities in online lending, such as membership fees and audit fees. , or the phenomenon of illegal collection, you can keep relevant evidence, understand certain legal knowledge to negotiate, pay due attention to your own words, and don't violate the language.

Finally, I need to remind you that you must find a formal online lending platform to apply for a loan, read the terms of the contract carefully, find out your rights and responsibilities, and see if there are any extra handling fees.

Will Alipay call relatives and friends when it is overdue?

Loans overdue Alipay won't call relatives and friends, but if it doesn't pay back within the time limit, it can bring a lawsuit to the court. Those who still fail to fulfill the obligations specified in legal documents will be enforced and incorporated into the credit information system.

According to the Civil Procedure Law of People's Republic of China (PRC), it is stipulated as follows:

1, article 242? If the person subjected to execution fails to perform the obligations specified in the legal documents according to the notice of execution, the people's court has the right to inquire about the deposits, bonds, stocks, fund shares and other property of the person subjected to execution from the relevant units. The people's court has the right to seal up, freeze, transfer or change the property of the person subjected to execution according to different circumstances. The property inquired, sealed up, frozen, transferred or changed in price by the people's court shall not exceed the scope of obligations that the person subjected to execution shall perform.

When the people's court decides to seal up, freeze, transfer or change the price of property, it shall make a ruling and issue a notice of assistance in execution, which the relevant units must handle.

2. Article 243? If the person subjected to execution fails to perform the obligations specified in the legal documents according to the notice of execution, the people's court has the right to detain and withdraw the income from which the person subjected to execution should perform the obligations. However, the necessary living expenses of the person subjected to execution and his dependents shall be retained.

When withholding or withdrawing income, the people's court shall make a ruling and issue a notice of assistance in execution, which must be handled by the unit to which the person subjected to execution belongs, banks, credit cooperatives and other units with savings business.

3. Article 244? If the person subjected to execution fails to perform the obligations specified in the legal documents according to the notice of execution, the people's court has the right to seal up, detain, freeze, auction or sell off the property that the person subjected to execution should perform. However, the necessities of life of the person subjected to execution and his dependents shall be retained.

The people's court shall make a ruling on taking the measures mentioned in the preceding paragraph.

4. Article 255? If the person subjected to execution fails to perform the obligations specified in the legal documents, the people's court may take or notify the relevant units to assist in taking measures such as restricting exit, recording in the credit information system, publishing information on non-performance of obligations through the media and other measures prescribed by law.

Extended data

On August 23rd, Alipay announced the change of Alipay service agreement, clearly pointing out that if the user 12 months has not logged in and has no assets, the Alipay account will be cancelled.

On August 25th, Alipay supplemented the update in the official Weibo, saying that as long as there is a balance in your Alipay account, or you are associated with Yu 'ebao and Jifenbao, no matter how long you haven't logged in, you won't be cancelled.

In addition, users who owe money to Huayuan will not be cancelled no matter how long they have not logged in. "Don't think too well."

Alipay's updated service agreement mentions how to manage the cancellation of money in Alipay. If there are related wealth management products, pending transactions or balances in the account, Alipay will assist in handling them, and it is necessary to follow Alipay's instructions.

In addition, if there is no active transaction within 6 months after opening the Alipay account, Alipay will have the right to suspend or cancel the account and then re-verify its identity.

Alipay also clearly pointed out that according to the Administrative Measures for Online Payment Services of Non-bank Payment Institutions, Alipay may not open Alipay accounts for financial institutions and other institutions engaged in financial services such as credit, financing, wealth management, guarantee, trust and currency exchange.

If an account falls within the above scope, the funds in it must be withdrawn or used up by transfer, and then Alipay is authorized to cancel the account.

China People's Congress Network-People's Republic of China (PRC) Civil Procedure Law

People's Daily Online-Alipay: Don't think beautifully? Spend money, borrow money, and those who owe money will not be written off for long.

Will Alipay call my family when it is overdue?

You may call home after the deadline, but it is not absolute. Mainly depends on the specific situation of overdue users.

For example, just overdue, the overdue time is not long, then the borrower will generally send a text message to urge the borrower to repay; Or call the borrower directly and ask him to repay. Do not call the borrower's home at ordinary times.

However, if the loan is overdue for a period of time and the borrower still fails to repay the loan after collection, the borrower can call the emergency contact person, including family members. Even in the end, the assets will be packaged and handed over to a third-party collection company, which will be responsible for debt collection, which may affect the lives of relatives and friends.

And if you don't want your life to be affected, you must develop a good habit of repaying on time and try to avoid overdue. If it is overdue, it should be paid off as soon as possible. The impact of overdue will be less. After all, if loans overdue, the impact is not only sesame credit, but also credit information.

As we all know, personal credit is equivalent to everyone's credit pass today, which records everyone's past credit behavior, and these behaviors will affect our future economic activities. In particular, because the online loan is overdue, it leaves a bad credit record on the credit report, and it may be rejected regardless of the application for car loan or credit card in the future. If your personal credit is unclear, you can use WeChat: Xiaotian to check it. Find your own personal credit score in a small program.

In short, the consequences of overdue credit reporting on online loans are more serious. Therefore, if the borrowed online loan is credited, it must be repaid on time, and it should not be overdue easily. Otherwise, you will have a credit stain if you are overdue, and it will take five years to "wash it off" after paying off the debt. If you don't pay it back, the credit stain will follow you all your life.

Borrow flowers. Will you call home after the deadline?

1. No, Ant Financial will not send someone to investigate directly after the flower buds and borrowing buds are overdue, because the amount of ant borrowing buds is generally low, ranging from several thousand yuan to ten thousand yuan at most, and Alipay has other restrictions to urge users to repay. Mainly by sending messages, calling and other ways to urge customers to repay. If you can't contact the customer, you can contact the emergency contact person according to the information provided by the customer when opening a registered account and submitting a loan application to inquire about the current situation of the customer, so as to achieve the purpose of dunning. Some users said that after ants borrow money for a long time, there may be a phone call, and even contact family and friends in the address book, which may authorize a third party to collect the company. In short, it is right to pay back the money as soon as possible.

2. If the customer's overdue time is too long, and the amount owed is large, and Ant Financial has failed to respond to repeated reminders, it can still bring a lawsuit to the court, so that the customer can repay the loan through legal channels (generally, if the overdue time exceeds three months, it has the right to sue, but it will not be easy to sue because the lawsuit takes a lot of time and energy). Therefore, even if the borrower does not repay the loan, Alipay will not sue and will not come to the door for collection. It is more likely that the title punished the borrower. For internet finance, it may be more serious than door-to-door collection. Alipay has many credit businesses. Once ants borrow money and don't pay it back, these quotas and permissions may be frozen and can't be used any more. It can only be restored after repayment. As a well-known financial platform in the industry, Alipay may lose its credit and many functions may not be available, which is really a pity.

3. It is suggested that customers should make repayment as soon as possible when receiving the repayment reminder text message or phone call. As long as the arrears are paid off in time, Ant Financial will naturally stop dunning. And if the customer can't finish it for a while, he can take the initiative to contact customer service to negotiate an extension. After the user is overdue, it is recommended to repay as soon as possible, and the repayment pressure will gradually increase. Once the overdue situation is caused, the platform will collect overdue penalty interest on a daily basis, and the penalty interest will gradually accumulate to a large amount until the user pays off the arrears. After Huayuan's overdue loan, personal credit will be damaged, and the use of products on the same platform will also be affected, such as reserve funds. If the situation is serious, even the reserve fund will be closed directly.