Alipay borrowed more than 10,000 yuan, overdue for more than two months, and said that it would send a reminder letter to the household registration. Is it true?

I don't think I will come. At present, the law prohibits violent collection, door-to-door harassment or other violent methods, but if Alipay entrusts a third-party company to handle it.

Then a third-party company will inform you of the repayment instead of harassing you, then he may come over. But generally speaking, third-party companies will solve problems through court proceedings, and court enforcement is far more convenient than door-to-door dunning.

Short-term overdue loans and their consequences

Different financial institutions have different definitions of short-term overdue time. In view of short-term overdue, institutions generally do not take compulsory measures, but will remind them to collect repayment, and the consequences are:

1, high fines and liquidated damages

After loans overdue, in addition to interest and principal, you also need to pay a high penalty interest and liquidated damages.

2. Leave a personal credit stain

The overdue records will remain on the credit report, and even after repayment, the overdue records will be retained for 5 years. Overdue records will affect almost all the subsequent financial activities of the overdue person.

3. Receive text messages and collection calls.

Lending institutions will continuously send short messages and telephone calls to collect overdue funds, inform borrowers of the serious consequences of overdue, and order borrowers to return overdue principal and interest within a time limit.

Long-term overdue loans and their consequences

Generally speaking, overdue for more than 90 days will be regarded as malicious overdue by lending institutions. Banks can sue for recovery if they are maliciously overdue for more than 90 days, regardless of the amount. After the court's decision, the information of the person who has broken his promise (Lao Lai) will be announced to the public, limiting his high consumption and taking the high-speed rail.

With the supervision bureau becoming more and more strict, the online loan platform is becoming more and more standardized and strict. Now many online loans are receiving credit information, so the credit information record is a matter of great concern to all borrowers. Today, I will tell you some knowledge about online loan credit reporting, hoping to help you.