Polite and embarrassing repayment reminder (how to politely hint at collection)

As a loan collector, it is really difficult. I was scolded as soon as the phone was connected, and I didn't even have time to talk. If the customer is merciful and doesn't hang up immediately, it will be moved to tears. Take the time to persuade customers to repay as soon as possible. The scene was awkward and stiff at one time, because I could only hear your Barabara ... and then I summarized the common words collected in recent years.

According to customers with different personalities and different reactions, our words are different. Please refer to the following:

The client said there was not enough money this month, so next month.

Speech: X/ Mr./Ms., you have seriously violated the contract now. If you continue to postpone the repayment until next month, the overdue fine will only increase, which will have a very serious impact on your personal credit information, including your future house purchase, loan, children's education and their career prospects. I suggest you handle the repayment as soon as possible.

The client said that he had not found a job and had no income.

Speech: Mr./Ms. X, we can't wait until you find a job and get paid. Late payment will only lead to the accumulation of late fees and bad credit records. I hope you understand that. I suggest that you raise money from friends and relatives first, make repayment and pay it back later.

The client said you should stop pushing, and I will try my best to turn around.

Testimony: Please make good use of the time given by our company, otherwise you will be at a disadvantage whether your personal credit or the company's next collection process for you. This matter has reached the point where it can't be delayed any longer. No matter what you think, you must return the money. We can't give you any more time, so please hurry these days.

The customer said that he would pay back if he had money, but now he has no money.

Words (overdue): Mr./Ms. X, you can't wait until you have money to pay back. If you are sincere in repaying some funds first, I will apply for a few days' grace for this. You must borrow money from relatives and friends through other channels and deal with the repayment as soon as possible.

The customer promised to repay the loan, but it was not handled for a long time.

Speech: Our phone calls have been recorded. If you continue to delay repayment, we can think that you are maliciously delaying time and are suspected of fabricating repayment facts. According to the relevant regulations of the company, we may hold you liable for the second breach of contract (cancellation of installment repayment, compulsory settlement, etc.). ).

Speech: You are now X days overdue. If you breach the contract for x days, we need to hand it over. Your case will be handled by colleagues in the legal department, and all the consequences will be borne by you personally. We will not be responsible for any impact on your life.

Testimony: Mr./Ms. X, you broke your repayment promise many times. Please understand that you are in serious breach of contract and the situation is very pessimistic, which makes us have to doubt your integrity. We won't urge you to repay again and again, but we don't rule out your cheating and fabricating repayment facts. If you have the money to repay, please deposit it into the repayment account immediately. If you have no money, you must borrow money from relatives and friends through other channels and deal with this debt immediately.

The customer has no sincerity in repayment and is a rogue.

Testimony: Mr/Ms XX, your repayment attitude is too perfunctory. Here, I emphasize to you again that you have no right to limit the agreement that our company signed with you at the beginning. You are now in a state of default. If you don't pay attention to our phone call asking you to collect money, then we can only collect money in another way. We may collect money from your account at home because you are overdue, but you didn't pay attention to our company's notice. It seems necessary for our company to send colleagues to communicate with you face to face.

The customer refused to answer the phone

Speech (SMS template): You have refused to answer our phone for a long time. If you have financial difficulties or other reasons, please speak frankly and we will try our best to coordinate. If you don't answer the phone, we will have to contact your relatives and friends, or visit your family or unit, or even think that you want to avoid debt. Please understand and weigh the adverse effects.

Customers often travel and don't go home.

Speech: You are overdue. Please understand this. Repayment can be made through various channels. You don't have to deposit it into the designated account in person. You can arrange for your relatives or friends to save it for you first. It is your responsibility to repay on time, which can not only avoid penalty interest, but also maintain repayment credit. Although it is troublesome, it is also for your immediate interests. Please make repayment as soon as possible.

The above is a general summary of word collection in several situations. In most cases, this will vary from person to person. Based on the actual situation, once those who argue with customers about their interests have caused huge losses to their own interests, their hearts will be shaken and there will be hope of repayment!

Do you have any different views on the views of the landlord? Welcome to leave a message for discussion.