What about SMS tips?

What should I do to collect loans at home?

After the credit card is overdue, it is legal for the bank to visit at home. The debtor needs to pay attention to it and try his best to cooperate with the bank, but he should not be too nervous, let alone choose to escape or ignore it.

There are detailed regulations on the process of banks' overseas inspection, and it is illegal to exceed this regulation. Understanding the top-level processes of banks also helps debtors to handle their debts well.

1. Departure: The collection staff will not come to the door alone. Usually, there will be two foreign visitors at each door, carrying the debtor's credit card collection materials, letters of introduction, voice recorder and camera.

2. Notice: The bank will call the cardholder to explain the door-to-door time, and the person in charge will record the arrival time and inform the foreign visitors of the specific location and door-to-door time at any time.

3. Photographing and recording: Foreign interviewers take photos and record the surrounding environment of the target address, and record the whole process.

4. Visit: If the cardholder is found during the visit, the foreign visitor will immediately identify himself and indicate his purpose, check the customer's mobile phone, home phone number and contact address, and ask the customer to sign a reminder or lawyer's letter. If the debtor is absent and relatives or family members are present, the foreign interviewer will inquire about the relationship between the related party and the debtor in detail, understand the debtor's economic situation and current situation, ask the related party to convey repayment information and ask the related party to compensate as appropriate, and finally ask the related party to sign a dunning notice or lawyer's letter on its behalf.

If no one is at home, the interviewer will call the cardholder's home first, pay attention to whether there is a phone ringing in the door, and then call the debtor's mobile phone to check the home address. At the same time, experienced foreign visitors will visit and investigate around the debtor's residence, looking for the cardholder's neighbors, property, neighborhood committees, village committees, film police, security guards and so on. Collect relevant information of cardholders. If the cardholder has a fixed private email address, the foreign interviewer will put the legal notice in an envelope marked "Please don't open it unless it is my own" and put it in the borrower's email address.

The collection company came to me. What should I do?

First of all, when collecting, you can turn on your mobile phone to record. If the other party has a violent collection, then these can play a very good role in collecting evidence of illegal crimes. Secondly, negotiating with the collection shows that I am really in trouble now, and the money I owe has not been paid back. Can you extend the specific repayment time or draw up a specific repayment plan? Third, control your own situation, remember, impulse is the devil. Don't directly conflict with the collection, and try to avoid unnecessary troubles caused by the escalation of some contradictions. Finally, you can't directly return the arrears to the collectors, and the repayment must go through formal channels. And don't promise unreasonable demands for collection, such as asking for some labor fees. If the other party threatens by violence, then you should improvise and call the police directly afterwards. In short, try not to confront each other, otherwise it will be bad for you.

I received a reminder message today, which was so scary. What should I do?

Introduction: Now online fraud is rampant. Liars can pretend to be anyone around you or even the police to cheat your trust and achieve their own goals. Therefore, they should do so when they receive the reminder message.

First, check whether it is true.

Don't panic when you receive the reminder. First of all, you should think calmly, whether you borrowed money from a certain platform or not. You can look through your loan records and related information of your bank card. Even ask your friends if they have used their information to get a loan without permission. If you have no such behavior at all, don't panic. This is a trick of a liar. If a friend does this, then such a friend is not needed, and then negotiate with the platform or even sue to the court to solve this problem.

Second, after confirming the truth

If, after some inspection, it is proved that you did have credit behavior on a certain platform, and it is overdue, then you can negotiate with the platform. Explain why you don't pay your debts and return them in time. If the amount owed greatly exceeds your repayment ability. Then you can explain to your relatives and friends why you owe the money and ask for their help to return it in time. At this time, we need to be careful not to lend to some usury or non-performing loan platforms because of too much debt. If you find that the money you owe is from the loan platform. Then you can complain to the relevant departments and seek the help of the police.

Third, is it true to collect debts at home?

For most platforms, debt collection basically reminds debtors to repay in time by publishing information or telephone contact. Few people come to collect debts, but they can't completely conclude that they are false. It needs to be judged according to the amount of arrears and the length of arrears, or you can contact the platform to confirm the authenticity of the matter. Don't overspend and repay the loan on time.