I didn't answer the overdue phone call, and now I have received a text message saying that I contacted the village Committee to urge repayment. Is it credible?

This kind of message is a typical harassing message. Not only is it not credible, but it can also complain to the CBRC.

Before 20 19, some online platforms like to send the collection materials to the village committee or home where the debtor is registered, because this harassment email has low cost, strong threat and good collection effect. Therefore, a large number of online lending platforms follow suit, making this situation crazy. Some village committees can receive dozens of dunning emails a day. In view of this, some grassroots cadres have reflected these situations to the relevant state departments, which has aroused great concern from the state administrative departments. From 20 19, 1 1, postal departments and express delivery companies do not undertake similar business, and law firms do not undertake the collection of lawyers' letters from online loan companies. I sent a lawyer's letter to a private lender the other day. Because of the word online loan, the staff refused to accept it and had to correct it.

Now, in addition to a few companies such as Gitzo and Ping An Pratt & Whitney, which also call debtors for payment by phone or SMS, other online lending companies and third-party collection platforms have all died down. The borrower should not be too nervous when receiving the call, and tell the other party openly and honestly, and put it on record as evidence: I will judge as many as the court decides to prosecute; I won't pay a penny if I don't go through the court. If you know legal knowledge, you can also argue with the other party about the legality of the online loan platform and the legality of the loan interest. Don't let the other party's collectors think that you are a bully.

Take the problem described by the landlord as an example. Everyone is an adult with full capacity for civil conduct and should be responsible for their actions. I owe money to the village committee. Why did the village committee come to urge repayment? If you have a temper, you can not only report it to the CBRC, but also keep the general recall and harassing text messages, report it to the public security organ or sue the other party in the people's court.

In June this year, I instructed the client to report the case to the public security organ and investigate an employee of Kunming Branch of Shenzhen XXX Credit Consulting Co., Ltd. because the collector of this company kept insulting the debtor and his family with vulgar and obscene words during the collection process, and the victim recorded the whole process. After the alarm, the customer service of this company apologized to the victim and never made a collect call again.

I think it's credible. After all, they are not formal state institutions and can do anything. I have a high school classmate who may be vain during college. He borrowed money from several online lending platforms to buy cosmetics and bags, but he was unable to repay them. He had to rob Peter to pay Paul, but he dared not let his family know. He also went out to work to make money and repay the loan without telling his family. We haven't contacted each other for several years, but once I got a call from a loan company saying that she left my number when she borrowed money. I can't contact her now, and I have to pay her back. I also sent her IOUs and ID photos. I was shocked at that time. I usually see her living exquisitely in the circle of friends, and she is completely a good girl. How could I do such a thing? After several years of silence, the students came alive again because of her. I'm not the only one. Most people have received such calls. Everyone called her in succession, but no one answered. Someone said in the group, if you don't answer the phone, we will call the police. She finally answered and said that no one would call us again. I don't know how she finally handled it. Anyway, we never got that call again. Later, I heard that almost everyone in her family knew that she had borrowed an online loan, and all the family members came forward to help her pay back the loan. It seems that at first she borrowed 3000 yuan, but later it was overdue, and she had to pay back more than 20 thousand yuan a month, but fortunately she finally returned to normal life.

Online lending is terrible. Upload your address book and ID card when you borrow it. Once you have no money to pay back, they will bomb your address book and even find you according to the address on your ID card. As for the village committee, it belongs to the national organization, and it should all be numbered. Maybe it will really come into contact with it, so it is credible. Once the online loan is quilt, it is difficult to pull it out. You'd better not touch it.

Never mind, the village Committee has no responsibility and obligation to help supervise the repayment! I have worked in the village committee for some time, and I often encounter this situation.

Our village party secretary always receives this kind of call, and the online loan company calls and asks: Is there such a person as XX in your village? Do you know him? Let him (her) repay the money he borrowed at once. Our branch secretary just hung up and ignored it!

Even foreign online lending companies often ask village committees for debts. Where is your village XX? If he (she) doesn't pay the loan, you can take us there. The village Committee ignored it and said directly that they didn't know where people were. I haven't been back for years.

So don't worry about the online loan company calling the village Committee to urge repayment!

However, don't touch online loans, and don't rob Peter to pay Paul again. It's no use! This is a road of no return! Reasonable consumption and borrowing, control your own consumption desire, in order to prevent your life from going astray.

Messing with online loans can really ruin everything for you in minutes! Life is a long road, do it and cherish it!

The overdue person tells you whether it is credible or not.

First, they don't know the phone number of the village committee where your household registration is located. Even if they do, they ask from114118.

Second, the village Committee has no obligation to urge the debtor to repay the money of a platform or bank.

Fourth, call the platform (bank) that lends you money once or twice a week. Make them feel that your willingness to repay is still very strong. Talk about your current situation. Remember, you must talk to the customer service who specializes in overdue. They all have recordings)

Fifth, try to find the money and find the principal you want to pay back. At this time, you will take the initiative to call the platform (bank) where you borrowed money for mediation. If you are lucky, you may only be able to repay the principal. If you are unlucky, the situation will not get worse. At most, it will be calculated for you according to the national statutory annual interest rate. If it's too much, say, you'd better sue me. The annual interest rate exceeds the national legal interest rate. They dare not sue you, but will only mediate with you.

After all, it's money, not life, isn't it?

Everyone will have difficulties. Just because it's overdue doesn't mean we don't pay back the money. Just suddenly there is no source of income, and whoever has a source of income will be overdue.

Finally, don't let the collection confuse your mind. Adjust your state and try to find money. I wish you an early landing. Let's cheer together.

It is possible, but it is generally ignored. Online loan companies are generally illegal and cannot collect debts from you through judicial channels. They usually bombard you with phone calls, even your relatives and friends. The contact information of relatives and friends is generally through the address book authority obtained when you apply for a loan. Once you can't get in touch, they will contact people in your address book, which will affect your life and force you to take the initiative to repay the loan. If the amount is not large, it is unlikely to come to urge them, which is not in their interest. It may not be enough to promote their recovery, so generally you don't mind.

Have you really met friends who say they are trustworthy?

The premise of answering this question is not to teach you not to pay back the money you owe, but to treat the collection rationally.

I am very responsible to say that these are not credible!

If the collection is really bold, he will come directly to you. What's the use of returning those relatives, neighbors and village committees to you? Contact the village Committee and the village Committee will help them collect money? Joke!

Some people say it threatens your reputation. Excuse me, if the debtor is discredited, what good will it do to the debt collector? Unless the debt collector tries to take you down with a lose-lose attitude!

And now the society is very fierce, and those bureau leaders are full and have nothing to do. Once someone reports it, I can't wait to take the lead and go straight to Huanglong to do good!

So, don't worry, I have received many similar phone calls or text messages. I made tea and waited, but none of them dared to come. I really hope to have a good talk with them. Don't give me a chance.

I don't believe it anyway. Things on the internet can fool a person!

Ignore him! ! !

It's just a common method of network generation.

I get several such messages a day, as well as a fake court summons and a lawyer's letter. I'll call him back and scold him when I receive these now.

It doesn't matter whether you believe it or not. What matters is whether you have the ability to repay. If you have the ability, you can repay it. If you don't do this, they (the third party demanding payment) don't have to pay attention to them. In the past, they could ask for remuneration through illegal means in the "underworld", but now they generally dare not. Pay it back when you make money. Don't be influenced by these "junk" calls.

Good luck!

Until three months later.