What if the online loan receives a dunning letter?

What should I do if I receive a dunning message after the online loan is overdue?

What if I receive a text message after the online loan is overdue? I can deal with it from the following aspects:

First, pay off the arrears as soon as possible.

After the online loan is overdue, you must pay off the arrears as soon as possible, because many online loans have high interest rates, and once overdue, it may cause high overdue fees. Moreover, some online loan products were collected at the meeting or cooperated with Sesame Credit, so overdue affected personal credit. Therefore, after overdue, those with repayment ability should repay as soon as possible to avoid affecting personal credit or generating high penalty interest.

Second, borrow money from friends and relatives.

If the deadline is not met temporarily, you can choose to borrow money from relatives and friends to solve the urgent need. After all, the cost of overdue online loans is higher than borrowing money from friends.

Third, collect evidence.

If the online loan is violently collected or threatened after it is overdue, it is necessary to collect evidence and report it to the relevant departments when necessary.

Overdue online loans will also affect users' online black index scores, if the online black index scores are too low. The low score of the Internet Black Index will not only affect the mortgage success rate, but also affect the users' flower beds and flower beds, and even lead to the closure of flower beds and flower beds.

The impact of the blacklist of online loans on individuals is to apply for new loans, which is difficult to approve again. Although online lending is very convenient now, we must spend rationally, pay attention to repayment on time, and maintain our credit record. Long-term application for online loans must pay attention to your own online loan big data to prevent it from becoming a blacklist of online loans because of blind application.

Just search: quick card test. Click "Query", enter information, find your own 100-line credit data, and then find this WeChat applet. The data comes from online lending platforms and UnionPay all over the country. Users can query their own big data and credit status, obtain various index data, and query their own personal credit status, blacklist, online loan application record, application platform type, online loan credit limit estimation and other important data information.

Compared with the central bank's personal credit report, online lending big data has a wider scope and more diverse institutions. It is a part of personal credit records and a useful supplement to the traditional personal credit report.

How to deal with the overdue receipt of a lawyer's letter from an online loan?

If you receive a reminder letter from a lawyer, you should treat it positively and deal with it. The main function of a lawyer's letter is to remind you and warn you. If you don't pay back the money, the creditor will send a lawyer letter to urge you. If you don't pay back the money, the creditor may sue you and ask you to pay back the money. At that time, the court may enforce your property by discounting, selling, auctioning and other means, and you may be included in the list of people who have lost their trust. When you receive a letter from a lawyer, you'd better study it carefully. First of all, don't panic. Generally speaking, after the lawyer's letter is sent, the final performance deadline will be written down. At the same time, if you don't pay back the money, it's a civil dispute, and you won't be investigated for criminal responsibility or go to jail. At the same time, after the creditor wins the case in the court, if the debtor fails to perform the court judgment within the performance period, the creditor may apply to the court for enforcement. Legal basis: Article 214th passport of People's Republic of China (PRC) Criminal Procedure Law. Where a creditor requests the debtor to pay money or negotiable securities and meets the following conditions, it may apply to the grassroots people's court with jurisdiction for a payment order:

(1) There is no other debt dispute between the creditor and the debtor;

(2) Payment orders can be served on the debtor. The application shall specify the amount of money or securities required and the facts and evidence on which it is based. Article 215 After an application is filed by a creditor, the people's court shall notify the creditor whether to accept it or not within five days. Article 216 After the people's court accepts the application, if the facts and evidence provided by the creditor are clear and legal, it shall issue a payment order to the debtor within 15 days from the date of acceptance. If the application is not established, the ruling shall be rejected. The debtor shall pay off the debt within fifteen days from the date of receiving the payment order, or file a written objection with the people's court. If the debtor fails to raise any objection or perform the payment order within the period specified in the preceding paragraph, the creditor may apply to the people's court for compulsory execution.

What should I do if I receive a reminder letter after the online loan is overdue?

It is recommended to pay off the online loan quickly, otherwise you may be sued. Article 392 of the Civil Code of People's Republic of China (PRC) stipulates that if the secured creditor's right is guaranteed by both the property and the person, and the debtor fails to perform the due debt or the parties agree to realize the security interest, the creditor shall realize the creditor's right in accordance with the agreement. If the agreement or agreement is unclear and the debtor provides the guarantee himself, the creditor shall give priority to the realization of the three-thing guarantee provided by the creditor. The creditor may realize the creditor's rights with respect to the secured property, or may require the guarantor to assume the guarantee responsibility. The third party providing the guarantee shall have the right to recover from the debtor after assuming the guarantee responsibility.

People's Republic of China (PRC) Civil Code

Article 392 Where the secured creditor's right is secured by both things, and the debtor fails to perform the due debt or the parties agree to realize the security interest, the creditor shall realize the creditor's right in accordance with the agreement. If the debtor provides the guarantee by himself, the creditor shall first realize the guarantee provided by three creditors for the guarantee of the property, and the creditor may realize the creditor's right to guarantee the property, or request the guarantor to assume the guarantee responsibility. The third party providing the guarantee shall have the right to recover from the debtor after assuming the guarantee responsibility.

Article 511 Where the contents of a contract are not clearly prescribed by the parties and cannot be determined in accordance with the provisions of the preceding article, the following provisions shall apply:

(1) If the quality requirements are not clear, the mandatory national standards shall be implemented, the recommended national standards shall be implemented, and the national standards and industry standards shall be implemented according to the usual standards or specific standards that meet the purpose of the contract.

(2) If the price or remuneration is not clear, the government pricing or government guidance price shall be implemented according to the market price performance law of the place where the contract is concluded, and the provisions shall apply.

(3) Where the place of performance is unclear, if the payment is made in money or real estate, it shall be performed at the place where the party receiving the money is located, and other subject matter shall be performed at the place where the real estate is located, and it shall be performed at the place where the party performing the obligation is located.

(4) If the time limit for performance is not clear, the debtor may perform at any time, and the creditor may also request performance at any time, but the other party shall be given the necessary preparation time.

(5) If the method of performance is not clear, it shall be performed in a way conducive to the realization of the purpose of the contract.

(6) If the burden of performance expenses is unclear, the increased performance expenses due to the creditor's reasons shall be borne by the party performing the obligation and the creditor.

Article 188 The limitation of action for requesting the people's court to protect civil rights shall be three years. Where there are other provisions in the law, those provisions shall prevail.

Today, the online loan came in. What should I do?

If you encounter online loan collection, you can deal with it in the following ways:

1, SMS/phone call collection: the person to be collected can change his/her mobile phone number, install the harassing phone interception APP, and set the white list mode.

2. Lawyer's letter collection: The online loan collector will remind the borrower to repay the loan in the form of a lawyer's letter. If the loan products of the online lending platform belong to usury, it is illegal in itself, and these dunning letters have no legal effect.

3. Contact your family for collection: If friends and relatives around you are always harassed by the collection staff, you can report the number to the operator, usually more than 3 times, and the number will no longer be able to send messages and make phone calls.

Overdue online loans will also affect users' online black index scores, if the online black index scores are too low. The low score of the Internet Black Index will not only affect the success rate of online lending, but also affect the user's flower beds and loan amount, and even lead to the closure of flower beds and loans.

The impact of the blacklist of online loans on individuals is to apply for new loans, which is difficult to approve again. Although online lending is very convenient now, we must spend rationally, pay attention to repayment on time, and maintain our credit record. Long-term application for online loans must pay attention to your own online loan big data to prevent it from becoming a blacklist of online loans because of blind application.

Just search: Sixi data. Click Query, enter information to query your own 100-line credit data, which come from the national online lending platform and UnionPay. Users can query their own big data and credit status, obtain various index data, and query their own personal credit status, blacklist status, online loan application records, application platform types, online loan credit line estimation and other important data information.

Compared with the central bank's personal credit report, online lending big data has a wider scope and more diverse institutions. It is a part of personal credit records and a useful supplement to the traditional personal credit report.