What should I do if the overdue collection text message starting with 1069 says that I will come to my door?

The message sent by 1069 says when and who will come to collect the goods? There was also a private phone call to me, but it was not the platform I borrowed. Is this true?

Don’t believe a word of the template-style collection text message sent by the debt collector, because you have no ability to collect debt.

In the so-called freezing, your property must first be sued in court. But the collector is not a creditor in the contract, and he can't afford a lawyer. In addition, many of the contract terms are contrary to the law, so he can't even get a decent legal indictment, let alone He said he went to court to sue.

As for the so-called door-to-door text message later, it is completely templated. The names are all fake and they are all directly copied and pasted. The collection company doesn't have that much money to support these three people. If it has so much money, why does it do collection work? The current cost that we can afford for collection is to send a group text message, because it is cheap, costing only a few cents each. It's also cheap to make a virtual phone call.

They cannot do other high-cost things, because after all, you have to make money to open a collection company. Do you want to wait until everyone comes to visit? The 10,000 yuan itself only costs 4,000 to 5,000 yuan, and the door-to-door fee is only 2,000 to 3,000 yuan. Doesn’t the remaining 2,000 yuan make a company separate owners and make no money? It has closed down a long time ago, so we are collecting money like this. Are overdue collection text messages starting with 1069?

1. Many platforms start with 1069 when sending collection text messages. This number is based on the premise of three major operators and Internet connection. Sending batch text messages is a common collection method. When users receive similar text messages, they may just put pressure on the debtor, but it does not rule out that they will actually come to their door. Although due to the influence of the general environment, door-to-door collections are much less common than in the past, it does not mean that door-to-door collections will no longer occur, so users still need to pay attention.

2. In addition, many users reported receiving court case filing text messages from 1069 or collection text messages from Baihang Credit Information. The credibility of these situations is very low. Basically It's impossible. On the one hand, credit reporting agencies will not carry out any form of collection on users. Secondly, if the case is filed in court, the notification form will generally not be text messages, and even if text messages are used, they will not start with 1069.

Credit card collection is divided into two types: internal collection by the bank and outsourcing collection

1. Internal collection usually refers to customers who are overdue within three months and are generally reminded by bank customer service (M0 period) Or call the reminder department (during M1 and 2) or visit the office of each business outlet (during M3) to make overdue payment reminders!

2. Outsourcing collection mainly means that the credit card center entrusts some customers who are difficult to handle, have problems, have lost contact or have small amounts to a company specializing in the collection industry after internal collection fails. law firm) for collection.

3. Credit card late payment fees

Credit card late payment fees refer to the minimum payment amount when the cardholder’s actual payment amount is lower than the minimum payment amount on the due date of the credit card. The unpaid balance will be subject to late payment fees. According to our understanding, the proportion of late payment fees is uniformly stipulated by the People's Bank of China, which is 5% of the unpaid portion of the minimum repayment amount. However, due to different policies of each bank, the minimum amount set is also different.

4. Interest

The daily interest is calculated based on the arrears amount (principal plus interest plus late fees plus other charges) at 5/10,000, and the compound interest is calculated on a monthly or daily basis!

5. Other fees

Each bank charges different fees. Generally, there are cash withdrawal fees and handling fees. For details, please consult the customer service of each bank! Huabei Jiebei has been overdue for a long time. 1069 sent a text message saying that it will come to my door and there will be a lawsuit. Is this true?

Hello! If your Huabei loan is overdue for three months, Alipay will of course send a text message saying that it will arrange collection personnel to come to collect the money. This is definitely true, but this is definitely not a violent collection.

If you continue to fail to pay off your debt, you will receive a letter from a lawyer and a summons to the court for prosecution. It is recommended that you repay the loan promptly.

Overdue repayment refers to the situation where the final repayment period specified by Huabei is exceeded and the consumed amount is not deposited into the designated account in full and in time. The main function of the repayment date is that Huabei uses it to determine whether the cardholder has a malicious overdraft tendency and to determine the cardholder's financial status.

So if the borrower repays after the final payment date, it will inevitably result in an overdue record, which will be seriously included in the credit report. Whether this record can be changed from the credit report in the future requires further negotiation with Huabei.

In fact, online courts are real. Its full name is "Internet Court". It is also a new trial mechanism and a litigation platform based on the Internet. It can prosecute, file cases, present evidence, For court hearings and refereeing, the parties can complete the proceedings online without having to go back and forth offline. Moreover, Internet courts also have real legal effects. It is understood that the cases they accept are mostly related to credit card disputes, private lending disputes, online shopping contracts, etc. There are Internet courts in Hangzhou, Beijing, Guangzhou and other places.

So what kind of cases will be accepted by the Internet Court?

Generally speaking, they are online loans affiliated to credit bureaus, large companies, and regular companies, such as the well-known Ant Huabei, Ant Borrowing, Jingdong Baitiao, Jingdong Gold Bar, etc., lending platforms After repeated collections with no results and the borrower cannot be contacted, a lawsuit will be filed in the Internet Court.

What should you do if you receive an indictment?

Step one: Confirm the authenticity first. If you are really sued, the court will call you to notify you. You can search online or call 114 to confirm the authenticity. At the same time, we must take the court summons seriously. The only legally binding document is a summons with the bright red official seal of the court and mailed by the court. If we receive various lawyer letters, indictments, arrest warrants, etc. from debt collectors, All of them are fake.

Step 2: If you are really sued, everyone should learn to actively respond to the lawsuit. If you do not respond, you will give up the right to defend yourself. And what I want to say is that it is not a bad thing for borrowers to be sued to the court for overdue online loans. In fact, many illegal small loans have the phenomenon of cut-off interest and usury. If you sue to the court, you can be given The borrower saves interest charges that exceed the illegal interest rate.

Step 3: Regardless of whether it goes to the Internet Court or not, the loan relationship between the two parties is real, so it is recommended that you try to check your online loan overdue records through comprehensive data, this public account platform , and then take the initiative to contact the debtor institution, and the two parties will agree on a reasonable repayment plan and try their best to pay off the debt, so that you can fundamentally avoid being sued in court. Is it true that I sent a text message saying that I would come to my home after my online loan was overdue?

It is generally not true that online loans are overdue and text messages are sent to your doorstep. Regular lending institutions will not adopt the more radical collection method of door-to-door collection. Even if it is collected by a third-party agency, door-to-door collection is time-consuming and laborious, and it is not appropriate. According to regulations, this kind of collection method is generally not adopted.

Of course, even if the online loan is overdue and there will be no door-to-door collection, the customer will still have to bear the serious consequences of overdue payment