Is the online loan recovery notice true?

The online loan recovery notice is true or false for a simple reason: 1. After the online loan is overdue, only the lawsuit is filed with the court, and the summons mailed to the user through the court has legal effect, and others are ignored. 2. The court summons is in the form of a document, and it must be mailed to the user in the form of a letter, and it must be signed by the person to have legal effect. According to the feedback from this netizen, he received the information in the mailbox, so it must be false. 3. Online lending belongs to private lending, and overdue online lending is only a civil dispute, so it does not need to bear criminal responsibility, so it will not go to jail.

I. Collection process

1. When the loan is about to expire, the online lending platform will inform you by phone or SMS to prevent you from forgetting the repayment date, which will cause overdue and bring you all kinds of troubles; This is the consistent practice of many financial institutions, including banks. This process is easy to get through quickly!

2. In the first week after the deadline, the online lending platform will notify you of repayment by phone or SMS repeatedly. If the repayment is still not made according to the requirements of the platform; The platform will call and send text messages to threaten your family and force you to repay the loan. 3. If the overdue period is as long as three months, it is not as simple as telephone collection at this time. You may splash paint everywhere in the village, pull banners, write slogans about arrears, expose your privacy and threaten your personal safety. Usually no one can handle this trick. The most effective way to resist this trick is to call the police, because this collection method is illegal.

Second, the correct way to negotiate online loans.

First, we need to determine the final repayment date. As we all know, online lending platforms are generally interest-bearing loans, and overdue penalty interest generally has a deterrent effect, but the platform cannot reduce part of it. After all, they want the borrower to repay the loan as soon as possible. When negotiating with online loans, friends should try to be clear about their repayment intentions and ask for more repayment time. Pay attention to commutation. In fact, the liquidated damages of many lending institutions will exceed the market average. Although it can be freely formulated, the overall cost usually does not exceed 36% stipulated by the state. If the borrower finds that the interest rate of liquidated damages is very high, he can generally ask for a part of the reduction, and then explain the situation from his own situation. The probability of success is still relatively high.

To sum up, at this time, all kinds of calls and all kinds of collection methods are quite horrible and violent, and most people can't help it. If you plan to do it at this time, you should take preventive measures before to avoid the platform harassing family and friends.