Is it true that Baiqian Financial sent a text message telling it that the loan was maliciously overdrawn, asking it to locate its mobile phone and send someone to visit it?

This should scare you. Mobile phone positioning is not that easy. You have no signal, and no one can receive the signal from your mobile phone. Secondly, this kind of professional equipment is not owned by anyone, which is illegal. However, the money owed is not a problem, and it is still necessary to pay back what is owed.

Speaking of door-to-door collection, let's briefly explain the whole collection process to you. Generally speaking, you borrow money on the online lending platform. If you are overdue, he will contact you first. If you say that you will basically tell you when to rush you three days ago, if you still don't get it, he will contact your emergency contact at this time. We usually fill in an emergency contact when borrowing money. If you don't return at this time, your address book may be exploded.

Borrowing platform, your address book he got basically came from two places.

First, when you install the loan platform, the APP will authorize your address book. The address book is the contact of your mobile phone, followed by your mobile phone card. When you apply for a loan, he will check your phone records for six months, that is, when you apply for a service password, he will make a copy from the past two places. If you don't return after the bombing at this time, he may add you WeChat or call you to tell you that he will send some MMS and send some disgusting messages to your family or friends.

In fact, their main purpose is to put pressure on you If you don't pay it back at this time, they will say that they will sue you. At this time, you will also receive some indictments and the like. In fact, most of those are fake. If this thing is useless, he will tell you that he will collect it, or he will locate you, or he will outsource some outsiders, and then he will drive a Wuling Hong Guang or something, just to put pressure on you. But in fact they won't, because most of them won't.

Second, if you belong to the offline or online section, and then he leaves your company, and he has a local outlet, he may come to collect money at this time, but that kind of thing will not be said as we usually see, such as splashing paint or pulling banners, basically not.

Reasons for not choosing family collection:

First, the loan amount of some large platforms is also relatively high. They won't negotiate with you first, whether you have repayment ability or not. They will choose to sue and take legal channels instead of collecting them at home.

Second, there is a certain cost to collect at home. If you still don't pay at this time, such as sending some disgusting news to the address book, in fact, they know in their hearts that you don't have money now, even if he collects it at home, they will have their own fare and fuel costs first, including the cost of hiring some people, and then they may not be able to urge money after coming, so they won't do such a thing.

Third, there are many uncontrollable factors at home, just like if I burst your address book, I will come to your home to ask for money at this time. Maybe I thought you would hit me, didn't you? Therefore, in order to avoid some risks, they will not choose the way of door-to-door collection.