Excuse me. Can I refuse overdue home visits?

Ants spend their time at home investigating and collecting evidence. Can they disappear?

; ? With the continuous development of the mobile Internet industry, people can do more and more things with their mobile phones, including borrowing money from them. Many mobile apps have loan functions, such as loan consumption in Alipay and micro-loan in WeChat. Ants spend their time at home investigating and collecting evidence. Can they disappear?

Ants spend their time at home investigating and collecting evidence. Can they disappear?

If you have ever had the experience that flowers are overdue, you should know that after the flowers are overdue for more than 90 days, if the collection is fruitless, you will call the user and say that you will conduct on-site visits, investigation and evidence collection. In fact, this is a kind of rhetoric of door-to-door collection, and the garden does not necessarily carry out door-to-door collection.

As early as 20 19, the state stipulated that lending institutions can collect money, but it is illegal to use violence, intimidation, threats, harassment, corruption and other means to collect money. The debtor can collect evidence and choose to sue the lending institution or the collector.

If the user receives a phone call from the flower bud collector and says that he wants to visit at home, he can choose to refuse directly. After the user refuses, if the flower bud collector still comes to the door, then the user can directly choose not to watch or call the police.

However, from the actual situation, unless the amount owed by the user is very large, the flower collectors will generally not come to the door. After all, the platform can choose to directly sue the debtor, let the court handle this matter, and let the court force the debtor to repay, which is much better than door-to-door collection.

The above is the sharing of the related content of "Ant Garden Visit Investigation and Evidence Collection". I hope it will help everyone!

Can Alipay refuse overdue home visits?

No, this is a multi-channel notice for your repayment. You can ignore them when you come. It's your choice.

Can I borrow these flowers and make an appointment at the police station after the deadline?

No, the police station is not an administrative unit that manages debt disputes. Alipay borrows money and encounters a third-party reminder when it is overdue. You don't need to let them in at all. Now the door-to-door collection will not take the initiative to enter your home.

Come on, visit your home, and get what certificate?

Please come to the door to get the certificate. Maybe you owe it. Please consult the platform customer service for details. However, the state has regulations that lenders can collect money, but they can't use violence and intimidation to collect money. This is illegal. If they violently demand payment, you can collect evidence and sue the lender. Therefore, if you receive a call from the lender, you can choose to refuse.

1. What should I do if the loan is overdue?

After most people borrowed money, their inability to repay it led to loans overdue, with very serious consequences. Because most lending platforms are now connected to the central bank's credit information system, if you fail to pay it back within the time limit, it will definitely be counted as a credit information report. If you want to borrow money again, it will be very troublesome. If you want to buy a house or take out a mortgage, you can't apply. There will also be corresponding penalty interest. Generally speaking, if you don't take the initiative to repay on the repayment date, the ant will automatically deduct the balance on your Alipay or the money in the balance treasure of the savings card. If the amount is insufficient, the deduction will fail, and then you may be collected. If it is not returned for more than three months, it will be outsourced to a collection company, and it may be reported to the address book and abused, so try to pay back the money within this overdue period. Otherwise it will affect your personal life.

Second, what is it?

Lending treasure is a series of products launched by Ant Financial, which can meet the loan demand. Its maximum amount is 50,000 yuan, and the longest loan period can reach 24 periods. But some products are invited, so only some customers can open them. Once a loan is borrowed, it must be repaid on time, and there can be no overdue repayment, because the longer the delay, the more penalty interest will be imposed, and the credit record will be uploaded. After arriving at the credit information center, you can't apply for other loans.

To sum up, if you want to borrow money, you'd better go to the formal platform to borrow money. For example, banks generally have lower interest rates. If you really don't pay, negotiate with the bank to show your determination to repay. Then the bank may agree, but try to pay off the loan within the time limit, otherwise your credit history will be affected.