What if Bai Hua fails to send a reminder letter to the village committee where the household registration is located?

First of all, it must be clear that it is useless to notify the village Committee of the overdue online loan, because the village Committee has no right to deal with the borrower's personal economic disputes. If the online loan platform collection personnel publicize the borrower's overdue matters in the village Committee and ask the village Committee to make economic deductions for the borrower, the borrower can choose to call the police directly.

If the collection of the online loan platform has seriously affected the daily life of the borrower, the borrower can choose to sue the collection personnel or the online loan platform. You can also negotiate with the online loan platform through the collection personnel, first inform the other party of their current economic situation, and then go to the village Committee to show a stamped proof of economic difficulties.

Proof of financial difficulties:

Take the initiative to contact the platform to explain the situation, and then selectively answer the collection call. Plan your debt, calculate how much money you earn every month and how long it will take to pay off your debt. If your current income is not enough to pay off your debts, try to increase your income. When your income is stable, you can negotiate with the platform to deal with the arrears. Only when a repayment agreement is reached can the collection be stopped!

It is also impossible for the online lending platform to force the borrower to return it within XX time. Both parties can sit down and negotiate amicably and renegotiate a repayment plan according to the borrower's current income. Borrowers can ask the online lending platform to reduce or exempt certain interest, but their own amount needs to be repaid in strict accordance with the repayment plan.

In addition, if the collection personnel come to collect the money privately, the borrower can also choose to record the whole process and then report to the local public security organ. The door-to-door collection should not exceed two people, and there should be no excessive behavior, otherwise it is illegal.