How to solve the problem of ringtone setting when online loans are overdue

Online lending calls to change the user's ringtone will basically not happen.

The user's ringtone can usually only be modified by the user himself. If someone wants to modify the user's ringtone, the program will be very complicated and may not be realized.

The collector said that he would change the ringtone for the user, in fact, in order to let the user pay off the overdue debt as soon as possible. As long as the user is willing to repay, or has already paid part of the arrears, the collector will not continue to intimidate the user.

In fact, after the online loan is overdue, the collection personnel can call the contact person, family or friends at most to collect it, or directly collect it at home. As for other threats, it is basically difficult to achieve.

Of course, if there is a violent collection by the other party during the collection process, then the user can complain or report to the relevant departments.

After the online loan is overdue, you must pay off the overdue debt as soon as possible, otherwise the longer the overdue record exists in the credit report, the greater the negative impact.

For those who are not very clear about their online loan big data, they can view their online loan big data information through "Know Check". This database cooperates with more than 2,000 online lending platforms, so the queried data is very accurate.

Extended data:

Why do online loans only collect and not sue?

Online loans only collect reasons for not prosecuting.

1, the prosecution process is long.

Because filing a lawsuit in court requires a lot of materials, such as indictment and loan contract, it may take six months to several years from preparing the materials to winning the case. The prosecution cycle is too long, which not only fails to achieve the expected results, but also may lead to the platform easily missing the "gold collection period" and the loan recovery rate declining.

2. The cost of prosecution is high.

The prosecution may also need to hire professional lawyers, and the cost is too high. In order to reduce losses and charge more interest, collection may be more appropriate.

3. Slow payment after prosecution.

Due to the long prosecution period and the slow recovery of loan funds, the normal operation of online lending platform will definitely require the return of funds. If the payment is not paid back for a long time, it may lead to difficulties in the operation of the online lending platform itself, and collection is more appropriate than prosecution.

4. The overdue amount of online loans is relatively small.

General online loans are thousands of small loans, and tens of thousands of loans are relatively small.

5. There are many people whose online loans are overdue.

If the prosecution needs to prepare a lot of different materials, which inevitably increases the workload, then it will be better to collect them.

6. The collection cost is relatively low, and there are various ways, such as making phone calls, sending text messages, popping up address books, sending overdue notice letters, and collecting at home.

7. Good collection effect and short collection period.

Collection is easy for borrowers to pay back their money in a short time, especially small loans. Users' overdue may only be caused by unstable personal income. As long as they have money, they will basically pay it back

8. Some online lending platforms have high interest rates, and high interest rates are not protected by law, so there is no prosecution to recover the money.

To sum up, because online loan collection can effectively increase the company's income than prosecution, the platform must choose collection instead of prosecution, unless it encounters a large amount of loans and various collection methods cannot be recovered.