Is Wang Xin's bank collection the same as other collections?

1. Time: Generally in loans overdue, it will be transferred to a third-party collection agency after more than 3 months. Due to internal collection, the arrears have never been recovered, and even some debtors have lost contact. Give it to a third-party collection agency, and they will have more ways. But it was handed over to the collection agency in less than three months, two months later or even the beginning of the second month.

2. Behavior: SMS or phone bombing, address book harassing others, inducing you to borrow platform debt from other platforms, sending photos in groups, suing the village committee and company, cursing borrowers and their related personnel, harassing dunning in the middle of the night, etc. All these are masterpieces of third-party collection that make you feel extremely uncomfortable.

3. Words: It is also a telephone debt collection. You can hear the difference between the opening remarks of customer service in the bank and the self-introduction of the third-party collection company.

"Hello, I'm a bank employee, handling overdue loans for you." Most of them are bank employees.

It's all overdue, just with different identities. Because banks do not allow third parties to pretend to be bank staff to collect money, it is a taboo for companies that pretend to be banks to collect money, just like pretending to be public security law. So the third party is the third party, or the bank transfers the non-performing assets at a low price, and some qualified asset management companies will take over and become your creditors, but they will never be banks.

Many times, the third party will not report to you. If you don't hear it, or the other party doesn't have such an opening statement, but you want to confirm the identity of the other party, you can directly ask whether the other party is an insider of the bank, a third-party organization, or ask the other party's job number. Bank customer service will generally tell you directly, and you can also ask the other party to help you modify the service password of your loan. If the other party can't help you finish it right away, it's not from the banking system. 4. Call number: It can also be identified by the call number. To sum up briefly, whoever calls with a mobile phone number or a network number, no matter which one owes money, must be the entrusted third party.

The mobile phone number is usually an uncommon number segment, and third-party collection personnel are basically afraid to contact you with their own life number.

5, attitude: very simple, since the collection staff will have all kinds of excessive dunning behavior, then when they come to chat with you, their attitude is definitely bad, even if they pretend to be correct at first, they will lose patience and make various routines or bad behaviors. Sometimes you can hear the awareness that the other party is unprofessional and does not serve, which is obvious.

Remember the two main purposes of third-party collection: (1) to collect the arrears, so that they can get the commission. (2) Understand their real living conditions, create evidence that they don't want to pay back the money, and make their work meaningful. If the other party comes to urge you to repay, there will definitely be conditions to give you a longer repayment plan in installments, that is, let you pay back part of it first and then pay back the rest in installments, although some banks do have such a negotiation plan. During the insurance period, you must take the initiative to call the bank to verify and confirm. Don't let a third party collect your deposit and directly offset your default interest. This becomes an invalid repayment plan.

If you are going to pay back the money to the bank, you can talk to the bank directly. If you say third-party collection, you'd better not distinguish between internal bank collection and three-party collection.