How to answer the online loan collection call?

How to reply to the collection after the online loan is overdue?

The most useful thing to reply to online loan collection is that I repay the loan. I suggest that you actively repay the loan after the online loan, and don't overdue it. Overdue will have a great impact on your and your family's future life.

1. How much interest is legal for online loans?

In recent years, there have been a lot of negative news about P2P lending. In the eyes of most people, online lending is almost equal to usury. This kind of cognition also hurts the formal online lending platform. Whether the online loan is legal or not mainly depends on whether the interest exceeds the legal red line. With regard to loan interest, China's General Principles of the Civil Law stipulates that the interest rate of private lending can be appropriately higher than that of bank lending, but not higher than four times that of bank lending, otherwise it will be regarded as usury. Even if it is recognized as usury, the lender's principal is still protected by law, and the principal can be repaid, and the interest exceeding the national standard should never be repaid.

Second, how to collect online loans:

After the online loan collection call is finished, overseas visit collection is the most direct. After the telephone collection is unsuccessful, the P2P platform staff will receive the most direct overseas call. As far as overseas collection is concerned, it is mainly to make up for the shortage of telephone collection. On the basis of telephone collection, visit overseas borrowers on the spot to improve telephone collection and form a three-dimensional sense of depression. Visiting abroad for collection should not only visit the borrower himself, but also visit his relatives and neighbors to understand the situation and urge him to repay the loan. Overseas collection is a very direct and effective collection method, which is now being adopted by many financial institutions.

In summary, even if the online loan is not credit, the bad record will remain in the online loan big data. Online lending big data is a third-party credit inquiry system for lending institutions, which uses big data technology to integrate loan records of various online lending platforms. Get the online loan big data report from the official account of Li You Data WeChat, including online loan history, overdue details of online loans, liabilities, untrustworthy information, online loan blacklist and other information.

What should I do if I call for online loan collection?

Coping methods of telephone collection are: coping style, door-to-door collection, telephone collection is also the most commonly used collection method, take the initiative to complain and notify colleagues.

1, coping methods.

Complaint acceptance, clue transfer and information statistics of bad and junk information in information communication networks such as telephone networks. You can complain by phone, at least to some extent, to curb this spam message.

2, door-to-door collection.

Most of them are done by the third-party outsourcing team, which is usually called door-to-door collection, and there are two situations. The first is to visit regularly, including sending letters, looking for relatives and friends, looking for leaders, and exerting pressure through relevant personnel. Regular door-to-door collection will basically bring mobile phones, cameras, contracts and other materials, and some may even bring lawyers. Basically, employees of the company go to the door directly to understand the situation, and there will be no excessive collection behavior, mainly causing psychological pressure on debtors and their families, but these are within the scope of legal compliance.

3. Telephone collection is also the most commonly used collection method.

Because its cost is relatively low. Telephone is generally divided into three types: VoIP, fixed telephone and mobile phone without real name. Internet phones can't be dialed back, and the numbers are all over the world. On the phone, Xiao Cui will use all kinds of tricks, both soft and hard, and even irritate you, deliberately inducing you to talk about malicious debts.

4. Take the initiative to complain.

You can directly contact the online loan customer service to complain that it is illegal to call the company without losing contact. If the collection insists on calling, you can only go to the relevant institutions.

5. Inform colleagues.

It's easy to call for your company's phone number, and you can't stop it. You can tell your colleagues who answer the phone in advance that if someone asks for you, they have left their job or let them ignore it.

Reply to the most useful sentence of online loan collection

The first thing to note is that you need to know what ways to collect money in order to see the tricks. Know yourself and yourself.

Short message collection

This kind of collection is quite polite. It is aimed at people who are overdue for a short time.

Telephone collection

After the deadline, I will also call for a collection, usually by myself. But if you can't reach me, you can call your emergency contact. I also want to remind everyone that it is best not to miss the collection call.

Explosive address book

This is more violent. For those who are overdue for a long time, have a bad attitude or don't answer the phone, the small loan company may choose people who have frequent contacts in your address book to call and send text messages for dunning, or even send a group of your address book to tell everyone that you can't pay back the money.

Family collection

The cost is relatively high, and many small loan companies may say that you will come to dunning if you are overdue. However, small amounts generally do not come to the door unless the amount is large and the overdue time is long.

Send a lawyer's letter and a court summons to you.

After the online loan is overdue, what should I do in the face of collection calls?

First of all, answer directly.

If the online loan is overdue, you must communicate with the lending institution in time to see if you can apply for deferred repayment or reduce some penalty interest, and you need to actively communicate with the platform.

Second, the specific analysis

Of course, you can also borrow money from relatives and friends, and pay back the overdue loan first, so as to avoid further expansion of overdue influence.

After the online loan is overdue, you need to bear the following consequences.

1, credit will be hurt.

2. It will be collected by the platform.

3. Penalty interest will be calculated.

4. The loan amount will be reduced.

5. The loan amount may be frozen.

6. Affect other loan applications.

7. Occupation is affected by credit information damage.

8. Will be blacklisted.

9. Affect children's further education.

10, unable to enjoy preferential loan policy.

It can be seen that loans overdue has a great influence on loans. After the loan application is successful, you should still remember to repay it on time.

Don't pin your hopes on deferred repayment or negotiated repayment, because some lending institutions don't support it.

Before formally applying for online loans, you need to carefully consider your own economic strength and borrow reasonably on the premise that your income can cover your loan expenses.

You can get the online loan big data report from the platform of "Xiaoqi Credit Information", which contains information such as online loan history, overdue details of online loans, liabilities, untrustworthy information, and online loan blacklist.

Third, how to negotiate if the online loan is unable to repay after the deadline?

If the online loan cannot be repaid within the time limit, it is recommended to take the initiative to explain to the platform customer service that you are temporarily unable to repay, and prepare relevant materials to prove that you did not intentionally repay, and then try to apply for an extension of the repayment period and repayment by installments.

The platform should be considered as appropriate. If it finally agrees, it can negotiate a new repayment plan with the platform, and then repay in installments on time according to the new plan.

However, the platform may also refuse. If negotiation fails, we can only find another way, such as trying to borrow money from family and friends around us.

What everyone needs to pay attention to is that some online loans are informal and may be deliberately charging high interest. Once you find that your online loan has reached the standard of usury, you can actually choose not to pay back the fees beyond a reasonable range.

If the platform keeps dunning, it can also collect relevant evidence and report it to the local CBRC or China Internet Finance Association.