Why didn't you receive a dunning call when the online loan was overdue?

Why is the online merchant loan not overdue the next day?

Details are as follows:

1, each online loan collection system is different. Depending on how long you are overdue, you may not have time to make a phone call in just a few days.

2. If the overdue time is long, if the phone has not been received, it may be that the online loan has closed down or has been investigated. Please log in to the application and try to open it.

If the online merchant has been in loans overdue for more than three months, the online merchant bank will have the right to sue. However, the online merchant bank will not bring a lawsuit to the court immediately if the customer is overdue for three months. Seeing that customers are overdue, they mainly urge customers to repay as soon as possible by sending text messages and making phone calls.

Unless the customer's overdue time is really too long, and the amount of arrears is relatively large, coupled with repeated reminders, or even no contact, then it is very likely that a lawsuit will be initiated.

The adverse consequences of online merchant loans overdue are very serious. First, there will be overdue penalty interest, and the penalty interest rate is 65438+ 0.5 times the normal loan interest rate. The longer the customer is overdue, the more penalty interest will be generated, and the repayment pressure will be greater and greater.

Secondly, it will leave a bad record on the credit report, which will lead to personal credit damage. As a result, the system is likely to freeze the quota, and customers will no longer be able to borrow money, and they will also be unable to borrow money from other consumer financial institutions.

If the defendant refuses to repay the loan after being sued by the court, it may not only be included in the list of people who have lost their trust and restrict their daily consumption and travel, but the court may also enforce, freeze, detain and auction the customer's property to pay off the debt.

The online merchant loan collection suddenly stopped.

First of all, answer directly.

Judging from the past, there are two possibilities for online loans to suddenly stop collecting. First, the online lending platform gives up collection, and second, the online lending platform will choose other collection channels.

Second, the specific analysis

Other collection channels of online lending platform are.

1, arrange a lawyer to solve the problem through legal channels, and everyone will receive a lawyer's letter and a court summons soon.

2. The online lending platform transfers the debt to a third-party professional institution for collection. After the transfer formalities are completed, the collection will continue.

If you are not clear about your debt and online loan data, you can check it from Winnie Hsin and get a big data report on online loan, which contains detailed online loan application records, overdue details, blacklists and other data.

3. Why did the collection phone suddenly stop calling?

Generally speaking, the online loan collection suddenly stopped, not giving up the collection, but the online loan platform changed the collection strategy.

There are several reasons why the online loan collection suddenly does not call.

1, deferred collection

For some debtors who have failed to collect for a long time, the online lending platform may choose to suspend the collection and collect others instead. After "Lai Lai" relaxes its vigilance, the online lending platform will start to collect again.

2. Change the collection agency

Some online lending platforms employ third-party institutions to collect loans. If the contract between the two parties expires or the online loan platform does not recognize the collection result, then it is possible to change the collection agency. In the meantime, the collection will naturally stop.

3. Report to headquarters

Some online lending platforms are relatively large, with head offices and branches. If the first collection fails, the branch will report the debtor list to the parent company, and the parent company will reschedule the collection time.

4. Change to legal channels.

For some stubborn debtors, the online lending platform may give up telephone collection and change to legal channels. If so, the borrower will face more serious consequences after the online loan collection call stops.

5. Transfer to a third party

Some online lending platforms will package and transfer the creditor's rights to a third party for debt collection after failing to collect the arrears. In the process of transfer, there will be a sudden stop of online loan collection.

Generally speaking, the online loan collection suddenly stopped, often not because the online loan platform gave up the collection, but changed the collection strategy. Therefore, the debtor should not take any chances, but must repay according to the contract, otherwise it will be very troublesome.

Why didn't the Internet get a dunning call to loans overdue?

If the online loan fails to receive the dunning call, it may be due to the following reasons:

1. The borrower has just been overdue for a long time, and the loan platform hopes that the borrower will take the initiative to repay, so there is no dunning plan for the time being. If the borrower fails to repay the debt after a period of time, the loan platform is expected to start collection.

2. The borrower's mobile phone is set with strange SMS and phone harassment interception, which directly blocks the collection SMS and phone calls of the loan platform, mistakenly thinking that the loan platform has not started to collect, but in fact, the other party has started to collect.

3. The loan platform has a grace period for supply repayment. Although the borrower fails to repay the loan on time before the due repayment date (inclusive), it is still within the grace period for repayment, which cannot be truly counted as overdue. After that, as long as the borrower can pay off the arrears before the end of the grace period, it will still be regarded as normal repayment. And if the repayment grace period is still over, the loan platform is likely to start to collect.