How long does it take for Weili Loan to come to collect collection overdue? What will happen if the Weili loan is overdue for more than 3 months?

How long will it take for Weili Loan to arrive if it is not repaid? The situation is like this!

;? Nowadays, many people apply for online loans, and many of them choose Weilidai. Some borrowers may be unable to repay their loans on time after receiving their microloan arrears. For those who are overdue, they will be very worried about being collected at home. So, how long will it take for Weili Loan to come to your door if you don’t repay the loan?

Judging from the past situation, there are not many examples of Weilidai coming to collect debts due to non-repayment of loans, and they will not come to you soon, and may be overdue for more than 3 months. Generally speaking, Weilidai solves problems through other methods. For example:

1. Long-term telephone collection. For those who are overdue, Weilidai will arrange long-term staff to conduct telephone collection. If you choose not to repay the long-term loan, you will continue to be charged, and it will be difficult to live in peace in the past 1-2 years.

2. Use credit taint to limit. For those who have not repaid their loans for a long time, Weilidai will report their information to the central bank’s credit report, making them a credit robber. For those who have a tainted credit record, they will be restricted everywhere in society in the future.

3. Take legal channels. It does not mean that the borrower chooses not to repay the loan, Weilidai has no way to deal with it. Weilidai will hire a lawyer and ask the lawyer to take legal channels to recover the loan. After the court makes a judgment, Weilidai can submit a request for enforcement to the court, freeze the borrower's bank account, and seize and auction the personal assets. If Weilidai discovers that the borrower is deliberately defrauding the borrower, it will contact the public security organs and take criminal action. Through the above content, I will introduce to you how long it will take for Weilidai to come to your door if you don’t repay the loan. Generally speaking, Weilidai will not easily arrange for staff to come to your door to collect collection. How long does it take for a Weili loan to be overdue?

If a Weili loan is overdue for more than 3 months, the collection will be handed over to an outsourcing agency. The outsourcing agency is a third-party organization, so there will often be violent collection situations. Therefore, Weilii The loan address book is usually overdue for 3 months. Address book explosion refers to disclosing your debt overdue information to third parties other than emergency contacts in your address book and call records by making phone calls, sending text messages, etc., including the current mainstream social software WeChat after your debt is overdue. , Douyin, Kuaishou contacts, etc.

Failure to repay Weili Loan on time will have the following consequences:

1. Go to the credit bureau. Upload to the central bank's personal credit reporting system, which is estimated to be the most serious one. Since Weilidai is a small loan product launched by WeBank, WeBank has been connected to the central bank's personal credit system. If Weilidai fails to repay overdue loans, WeBank will upload the individual's bad records to this system, which will stain the individual's credit report.

2. Excessive penalty interest. The calculation method of overdue interest on Weilidai is: overdue interest = overdue principal (1 50) * daily interest rate * number of overdue days. That is to say, if you borrow 10,000 yuan and are overdue for one day, the interest will be calculated based on the principal of 15,000 yuan. If it takes a long time, the interest will still be very high, and we hope that users can repay it in time.

3. Encountered collection. If a user defaults on repayment after borrowing money on the Weilidai platform, WeBank will initially send you a text message or call to remind you. At this time, if the borrower still fails to repay, someone may be sent to collect the loan. Even contact your family or friends.

4. Prosecution in court. When WeBank used a series of collection methods but none of them worked, and at this time the borrower's outstanding amount of repayment was relatively large. WeBank is likely to sue in court. Once this happens, the court will make a decision. If the borrower still fails to repay the loan despite the court's decision, it may be included in the "blacklist" of dishonesty. This will have a huge impact on our daily lives.

Weilidai is a loan product launched by WeBank in 2015. It mainly uses WeChat and QQ platforms for promotion. The system will grant users credits ranging from 500 yuan to 300,000 yuan based on different user ratings. Therefore, in order to ensure the normal use of Weilidai, users must remember to repay on time.

I owe Microparticles 130,000 yuan and it's three months overdue. Will I come to my door?

The 130,000 yuan owed to Weilidai is three months overdue, and collection agents may come to collect the debt. On the one hand, the overdue amount is relatively large, already as high as hundreds of thousands; on the other hand, the overdue time has been more than 3 months. If WeBank does not plan to sue the user at this time, it may arrange for collection personnel to come to collect the money. Therefore, when the overdue amount is large and the overdue time is long, collection agents may come to collect the money.

After the collection personnel come to the door, the user must conduct friendly negotiations with the collection personnel, so that the collection personnel will not constantly harass the user. If the user refuses to repay the loan, or prevents collection personnel from coming to collect the loan, WeBank may sue the user. Once users are prosecuted, the situation will become more serious, which will have a greater negative impact on users.

All in all, if the 130,000 yuan owed to Weilidai is overdue for 3 months, the user is best to choose to negotiate the repayment with WeBank. Even if the negotiation fails to repay, there will be no loss for the user. If the repayment negotiation is successful, the overdue debt can be paid off as soon as possible. How long will it take for Weili Loan to be overdue before being sued? What are the consequences?

1. Positive answer

Under normal circumstances, if the borrower is overdue for 90 days, Weilidai will basically focus on collection and will not choose to sue.

2. Specific analysis

Once the borrower is overdue for more than 90 days, Weilidai will consider prosecuting the borrower.

If the borrower refuses to repay or loses contact after being overdue for more than 60 days, the Weilidai platform may come to collect the loan first and then file a lawsuit.

Once prosecuted, it is likely to be a civil case.

Generally speaking, if it is a civil lawsuit, the court will organize a private settlement at the early stage of the lawsuit.

If the borrower still fails to complete the repayment during this mediation, or if the negotiation for repayment fails, the court will enforce the borrower.

After enforcement, all assets in the borrower's name will be frozen.

All balances including Alipay, WeChat, and even annual pensions will be deducted to Weilidai on time every month for repayment.

If the borrower has a car, house, etc. in his name, it will be used by the court for auction.

The money earned from the auction can be used to repay the debt.

After repaying the loan, if there is any extra money, it belongs to the borrower.

If the borrower does not have any assets in his name that can be used to repay the debt, he will be listed as a defaulter.

After becoming a defaulter, the borrower's consumption will be restricted and he will not be allowed to enter any high-consumption places.

You cannot take a second-class seat when traveling, and your family and children will be affected.

Online loan users can also check their credit qualifications by connecting to third-party big data risk control platforms, such as Beijian Quick Check, Sesame Credit, etc. The former has cooperated with more than 98 online lending institutions on the market. Data cooperation has been established, so its query results are very accurate. Intuitively, you can not only understand your own big data and credit situation, but also obtain various indicator data. Online loan blacklist data is shared on most loan platforms, which means that if a borrower is overdue or fails to repay money on one platform, such bad records will also be disclosed on other loan platforms, so Everyone must carefully maintain their online loan credit, otherwise when we encounter another economic crisis, we will not be able to obtain online loan products with good personal credit.

3. What are the consequences after the micro-loan is overdue?

The overdue microloan will have the following effects.

1. Impact on credit reporting

Weilidai is subject to credit reporting. When a borrower’s loan is overdue, there will be an overdue record on the credit reporting.

If it is overdue for more than 90 days, it falls into the category of three in a row. In the future, borrowers who want to apply for any loan products will basically be rejected.

2. Continuous collections

Weilidai is an online loan. After the borrower is overdue, the platform will frequently collect collections.

Common collection methods include phone calls and text message reminders.

If the borrower has a bad repayment attitude, Weilidai staff may directly contact the borrower's family, friends, workplace, etc.

3. High penalty interest

Penalty interest will be charged on a daily basis starting from the overdue date until the debt is paid off in full.

Weilidai’s penalty interest is about 1.5 times the loan interest. When calculated cumulatively, it will also increase the borrower’s repayment pressure.