What will happen if the black online loan phone in the next paragraph is not answered?

What are the consequences of not answering the online loan collection call?

In our daily life, we often encounter the problem of insufficient funds. At this time, we usually think of online loans for the first time.

Online lending can really help us solve our urgent needs, but with more and more people joining the online lending army, online lending disputes are also emerging one after another, and collection is the main reason for most online lending disputes.

A friend said: "these harassment are not simple, that is, receiving the phone, not receiving it!" Can you not answer the phone? "No, if you don't answer the phone, you may face the following consequences. Get to know it with me!

Consequence 1. Bombed by the phone.

Online loan collection is a phone call. If you don't answer the phone, you may be bombarded by the phone.

The collector will keep calling the borrower. If you still don't answer, they may harass you with software in the early morning, midnight and holidays.

I remind you, according to the regulations, the number of collections can't exceed 3 times a day, and it can't be collected at night or in the early morning. If people's lives are affected by telephone bombing, they can report complaints directly.

Consequence two, the address book exploded

The exploded address book is actually an upgrade of telephone bombing. The phone call of the collection staff can't bomb you, but naturally it will bomb your relatives and friends.

This is a consequence that many people don't want to see, because the loan is a personal matter, and they don't want their families to be harassed by phone calls because of overdue problems.

The collector is to grasp the borrower's psychology and let you repay as soon as possible in this way.

Consequence 3: Privacy leakage.

If your loan company is not so formal, or you meet some bad collectors, they may even disclose your personal privacy, including outstanding debts, or even make up false information and send it to your family and friends.

In fact, this is an invasion of users' privacy and illegal. You can call the police for help.

Consequence 4: Threats and intimidation

This is a common means of violent collection. In the old society, usury forced borrowers to repay their loans by blocking doors, splashing ink, brushing big characters, honking their horns and sitting still. If this happens, just call the police directly.

All in all, online loans may not be collected. If you don't want to face this, you will pay back on time. Don't be afraid if you encounter violent collection. You can protect yourself through legal weapons.

What are the consequences of not answering the online loan collection call?

Will explode the address book, directly call your relatives and friends or send text messages, or call your work unit.

If loans overdue doesn't answer the phone, the other party will explode the address book and directly call or send text messages to relatives and friends to harass others; You may find your new number directly, or even call the company where you work, which will bring you more trouble. In addition, if the online loan is overdue, there will always be overdue penalty interest, which will roll more and more. Unless forced to go ashore, the repayment pressure will only be greater.

The common collection method is to collect the borrower first, and if it fails, it will explode the address book. At that time, relatives and friends will know that if you don't pay back the money, your integrity and face will be damaged. However, different platforms usually burst the address book at different times. Some platforms may explode after a week of collection, and some platforms may explode on the same day after the deadline. Among them, whether everyone answers the phone also plays a certain role. If you keep your mobile phone on, it may delay the time to burst the address book. But what is certain is that no matter how good everyone's attitude is, it is inevitable to explode the address book as long as they don't repay the money.

What is the overdue collection process of online loans?

Within one week after the deadline, the debtor will receive text messages and phone calls from the online lending platform. If your mobile phone is turned on, he will call you all the time, but the tone is not so strong, and he will gently advise you to repay as soon as possible, otherwise it will have some adverse effects, such as high overdue fees and affecting personal credit information. Usually, within 1-3 months after the deadline, the collection efforts of the online loan platform will increase a lot. Some collection personnel will add the debtor's WeChat, treat the debtor directly with threats, insults and other attitudes, and notify your relatives and friends in the address book, maliciously, so that all the friends around you know that you are the debtor.

If the overdue time exceeds half a year, there will be two consequences. One is that the online lending platform does not urge, making this account a bad debt and a bad debt. Another consequence is to package your debt to a third-party collection company. It is said that their means of collection will be even more ruthless, and the possibility of home recovery is not ruled out.

What will happen if the online loan collection phone is not answered? Can the online loan collection phone be ignored all the time?

; ? In the second half of 20 18, oil prices rose month by month, and so did prices. The pressure of citizens' life is increasing, and they are faced with the dilemma of lack of money at any time. In this case, many borrowers choose loans to solve the problem, but once they fail to pay back within the time limit, online lending institutions will bombard them with text messages for collection. What will happen if the online loan collection phone is not answered? Can the online loan collection phone be ignored all the time?

Answering this question depends on the qualification of online loans. If it is a formal and reliable institution, the central bank will collect credit information at the meeting, which may affect folk credit such as Sesame Branch and JD.COM Xiaobai Powder, and it will be inconvenient in some aspects in the future.

The consequences of not answering the online loan collection call are as follows:

1. Banking financial institutions: If you don't answer the phone within the time limit, the direct consequence will be overdue penalty interest, which will affect your personal credit information. If the amount is large and the circumstances are serious, they will sue to the court for enforcement.

2. Offline private lending: If there is private lending in a physical store, you may encounter door-to-door debt collection. In case of violent collection, you may be splashed with paint, written in big characters, shouted by loudspeakers, smashed doors, abused and threatened. You can collect relevant evidence and report to the police or complain to the regulatory authorities.

3, mobile phone, WeChat loan App: Because the online pure credit loan threshold is extremely low, many people can pay, and the natural interest is very high. Once they can't afford it, the most common way is to explode the address book. Even if you don't answer the phone, your family, relatives, friends and classmates will receive phone calls or text messages, which may be ruined overnight.

4. it doesn't matter. Many borrowers said that since the address book has been exploded, it doesn't matter. They are forced not to repay, the phone is not answered, and they will not repay. After a while, the online loan collection will not be urged.

I suggest that you carefully understand the qualifications of online lending institutions before lending, and don't borrow money aimlessly to avoid endless troubles.