Joke Collection Website - Blessing messages - Excuse me, will you come to investigate and collect evidence when you are sued after the deadline?
Excuse me, will you come to investigate and collect evidence when you are sued after the deadline?
True or false, most of them are collection threats, and the address book exploded before you came to the door. If you don't get to this point, you won't come to the door.
1. Your Alipay is overdue, and then Alipay will send you a text message saying that it will make a door-to-door investigation. This is not a malicious collection for you. Maybe it's just going door-to-door to find out your financial situation and see if you have the ability to repay. After all, Alipay is a formal payment platform. It has a business license, and it is not an illegal collection platform. It will not collect you violently and spread your information at will. However, if Alipay sends you information about home visits, you should also pay attention. After all, you owe so much money for so long that Alipay's system has noticed you. You can choose to pay it back, you don't need to pay it all, you can pay it back bit by bit. After all, you must pay back the money you owe. The longer it takes, the more you will go to the credit information system.
2. Impact of overdue Alipay
Although Alipay may not come to the door for collection, after all, Alipay is a legal and compliant loan product under Ant Financial, but if your Alipay is overdue, the borrower must pay off the debt as soon as possible. Because all the information of Alipay is connected to the central bank's credit information system, if it is overdue for too long, it will be reported to the central bank for credit information. If you don't pay Alipay within the time limit, you may be called by SMS or phone, but it won't disturb the people in your address book. In fact, door-to-door collection is relatively rare for online loans. Only some informal online lending institutions will contact the third-party collection platform for home collection.
3. Door-to-door is just a collection method. You can negotiate with the customer service for installment or deferred repayment, and have a good attitude. Answer every call, explain your real situation to them, and tell them how much you can repay each month, and try to repay it in installments. If you have a bad attitude or don't answer the phone, they can think that you are evading repayment again, and you may be sued for a large amount.
Will ants come to your door after the deadline?
I won't.
After Huabai and loans overdue, Ant Financial generally does not send people to investigate directly, because the amount of ant loans is generally low, ranging from several thousand yuan to ten thousand yuan at most, and Alipay has other restrictive means 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 also 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 customer's recent situation, so as to achieve the purpose of dunning.
Some users said that ants have borrowed money for a long time, and they may call for collection in the future, even contacting family and friends in the address book, and may authorize a third party to collect the company. In short, it is right to repay as soon as possible.
Extended data:
If the customer's overdue time is really too long, and the amount of arrears is large, and Ant Financial fails to respond to repeated reminders, it is still possible to bring a lawsuit to the court and let the customer repay the loan through legal channels (generally, if the overdue time exceeds three months, he has the right to sue, but because the lawsuit consumes a lot of time and energy, he will not easily sue).
Alipay has many credit businesses. Once the money borrowed by ants exceeds the time limit, these quotas and permissions may be frozen and can no longer be used. It can only be restored after repayment. As a well-known financial platform in the industry, Alipay may not be able to use many functions once it loses its credit, which is really a pity.
Customers are advised to find ways to repay as soon as possible when they receive a repayment reminder message or phone call. As long as they pay off their debts in time, Ant Financial will naturally not make any further dunning.
And if the customer really can't finish it for a while, he can take the initiative to contact customer service to negotiate an extension. Users are advised to repay as soon as possible after the deadline, and the repayment pressure will gradually increase after the deadline. Because once the overdue situation is caused, the platform will charge 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 loans overdue, personal credit was damaged, and the use of reserve fund was affected, even the reserve fund was directly closed.
The full name of flower bud is ant flower bud, which is a consumer credit product launched by Ant Financial. After the application is opened, you can get a consumption quota ranging from 500 to 50000 yuan.
When spending, users can prepay the amount of ant flowers and enjoy the shopping experience of "spending first, then paying".
On August 4, 20 16, the Ant Flower Garden Consumer Credit Asset-backed Securities Project was listed on the Shanghai Stock Exchange, which is also the first ABS of Internet consumer finance on the Shanghai Stock Exchange.
By June of 20 18 and 1 year, Ant Financial has voluntarily increased the capital of two small loan companies by 8.2 billion yuan, and the registered capital has increased from 3.8 billion yuan to/kloc-0.2 billion yuan. On May 6th, 2008, Bai Hua announced its opening to banks and other financial institutions.
202 1. 9. 22 It is reported that the flower buds have been connected to the central bank's credit information system, and users can't use them if they refuse to access them.
Credit loan line
According to the comprehensive consideration of consumers' online shopping, payment habits and credit risks, Ant Flower Garden grants users spending quotas ranging from 500 to 50,000 through big data calculation and risk control models.
The amount of ant flower buds is rewarded according to the behavior of consumption and repayment accumulated by users on the platform. The behavior of users on the platform is dynamic, and the corresponding quota is also dynamic. When users behave well and meet the quota policy for a period of time, their corresponding quotas may increase.
Ant flower beds cannot be opened or raised by others. Please don't trust others and don't disclose personal information.
On 20 18 10 18, Bai Hua officially launched the "quota management" function, and users can adjust the quota independently according to actual needs.
Repayment method
Users can prepay the amount of ant flower buds at the time of consumption, and make repayment on the 9th of the following month after receiving the goods. The longest interest-free period can reach 4 1 day.
In addition to the consumption experience of "buy this month, pay it back next month, and it is super long and interest-free", Ant Flower Garden has also introduced the function of flower garden staging, and consumers can repay the money in 3, 6, 9, 12 months.
The 9th of each month is the repayment date of Bai Hua, and users need to pay off the generated Bai Hua bill on the repayment date.
On the due repayment date, the system will automatically deduct the balance of Alipay account, Yu 'ebao (with the function of withholding Yu 'ebao) and fast payment by debit card (including one card) in turn to repay the outstanding part of the bill.
You can also take the initiative to repay. In order to avoid overdue, please ensure that the amount of Alipay account is sufficient. If it is overdue, a late fee of 0.5% will be charged every day.
On 20 1 811June12nd, the new function of AliPay App announced that the Bai Hua deferred repayment function would be fully opened on1June/February1day.
To put it simply, the extension of the flower garden is equivalent to a simple transition, which can alleviate the repayment pressure of the pickpocket party to a certain extent.
On July 30th, 20 19, Alipay began to make an appointment to adjust the billing date and corresponding repayment date in Bai Hua: users who have signed a contract in Bai Hua for more than one year can enter the setting of Bai Hua-My repayment date after passing the system evaluation. Users can now choose to repay on June 5438+05 or 20, and the billing date will be adjusted to June 5 or 10 accordingly.
Will you really come after the deadline?
Under normal circumstances, you won't come to the door, but if you are overdue for a large amount and maliciously overdue, coming to the door is only a trivial matter, because you are likely to bear legal responsibility.
Recently, I answered a lot of questions about loans overdue, and found that after users were in loans overdue, they were most afraid of collecting money at home. But in fact, the so-called door-to-door collection is just a means of collection, and the collection personnel are using this method to exert psychological pressure on the borrower, so as to achieve the purpose that the borrower can repay the loan. I try to explain this problem in detail from the following points.
Excuse me. It is indeed possible to come to the door after the deadline, but the probability is not great.
Why do you say that? Because the door-to-door collection itself requires a certain work cost, if you don't owe much, although it is meaningless to go to the door. Banks and online lending companies will comprehensively evaluate their own work costs, and it is impossible to close the door to everyone concerned. In most cases, the phone call or information you receive is just a means of collection.
You should be more worried about your legal responsibility.
Strictly speaking, every debt owed by the borrower needs to bear legal responsibility. If you have a lot of overdue, it will not only affect your personal credit, but also change very quickly. Small arrears may be delayed for several months, but large arrears will generally go to court after three months overdue. In other words, large overdue and malicious overdue will face the risk of being sued.
You should learn to maintain your personal credit information.
For those users of loans or other online loans, many people simply don't have the concept of maintaining personal credit information. You may not feel this way when you are young, but when these people buy houses and cars, they will find it very difficult to get loans. The bank's personal credit inquiry records are kept for 3 years, and the loan and overdue records are kept for 5 years, which will be an important basis for the bank to approve the loan for you next time.
Will Alipay really go to the door to investigate when it is overdue?
Will not investigate. But I will give you an online message reminder and a call reminder, and I will ask you to complete the repayment as soon as possible.
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