Can I set interception if the online loan fails to answer the phone within the time limit?

Interception cannot be set. First of all, these reasonable collection calls often do not cause life harassment to debtors! Will not affect the normal work and life of the borrower! In the face of these collection calls, I suggest that after you connect the phone, you must sincerely and actively show your willingness to repay and explain your current situation and difficulties to each other! Calm down and communicate with each other. If you blindly choose not to answer the phone, then the platform may directly sue you and miss the opportunity to negotiate with the platform!

Consequences of non-repayment of online loans

1. High penalty interest and liquidated damages

High penalty interest refers to the lender's failure to repay the specified amount of loan on time within the specified period, thus calculating the corresponding high overdue penalty interest. If the debtor extends the overdue period for a period of time, the agreed interest will be higher, but no matter how high it is, it cannot exceed the legal scope stipulated by our laws. If the loan is not repaid, the lender will be required to pay the corresponding liquidated damages. Therefore, it is best to develop good repayment habits to avoid causing more problems in the future.

2. Credit damage

If the loan is not repaid, it will also affect its credit. Now many banks and online lending companies have adopted the * * * enjoyment system. If you borrow money from a bank or an online loan company, you won't pay it back. Then, it is possible that other online loan companies or banks will know about your loan default. If you want to apply for a loan in the future, it is difficult or even impossible to get a loan. Because your credit has been damaged.

3. Being harassed by various means

If the loan is not repaid, it may be harassed by the online loan company. It is relatively easy to send text messages and call relatives of lenders 24 hours a day. Some online loan companies will outsource collection to professional companies that specialize in collection. These professional accountants have various ways of collecting money. Sometimes, the "violent collection" behavior of the collection company can also lead to family breakdown.

4. Serious cases can lead to imprisonment.

If criminals resolutely fail to fulfill their repayment obligations and want to be old beggars, resulting in a very bad situation, the court will investigate the criminal responsibility of criminals. Miracle in the temple: the debt should be paid. If it is temporarily unable to repay, it may be repaid by the debtor in installments with the consent of the creditor or the ruling of the people's court. Those who have the ability to repay refuse to repay shall be forced to repay by the people's court.