I have borrowed money from Weibo and repaid it, so why are there still calls to remind me of the repayment?

Why is Weibo’s overdue collection so powerful?

Weibo’s overdue collection will be in the form of text messages and phone calls.

Overdue generally refers to failure to perform corresponding obligations or responsibilities beyond the agreed time, such as failure to repay or repay within the agreed repayment period after taking a loan, or failure to pay taxes in full before the specified deadline. wait. Along with high interest rates and overdue fees, there are also violent collections.

If the Weibo loan is overdue for one day, the customer will need to pay overdue penalty interest for one more day. Overdue situations will cause personal credit damage. If the lending institution is connected to the central bank's credit reporting system, it will also be Overdue bad records are left in the personal credit report. Overdue records generally have to be retained for at least five years after the customer pays off the debt before they are deleted by the system, and cannot be eliminated manually. Why do I still receive collection calls after I have paid off my online loan? You may have encountered a fake collection

Borrowing money from an online loan feels good for a while, but you will cry when you repay it. The interest rate is ridiculously high, and you will be charged if it is overdue. Your address book will be exploded, and you will have to worry about not repaying the borrowed money. There is no hiding among friends and family. Many people are extremely annoyed. After finally raising money and repaying the loan, they keep receiving collection calls. When encountering this situation, one may encounter fake collection, and the other may be that the online loan platform did not write off the account. Let’s teach you how to solve it.

1. When encountering fake collections, most criminals obtain the information of overdue borrowers through gray channels, and then pretend to be collection personnel of online loan platforms, asking the borrowers to provide them with WeChat or Alipay Account transfer, saying that after receiving the money, it will be transferred to the online loan platform, and the online loan platform will write off the account. In order to reduce the vigilance of borrowers, they usually offer to reduce part of the penalty interest or negotiate to only repay the principal as bait. Many borrowers see that they can reduce their money and are afraid that the online loan platform will regret it, so they immediately send their money to these fake collectors. on the account. The fake collection will disappear after the money is received. The online loan platform has not received your repayment and will definitely still call for collection. When encountering this situation, you can only admit that you are unlucky. The online loan platform does not care whether you have been cheated or not. What they want is to get your repayment money. Therefore, when an online loan is overdue and is collected, you must confirm the identity of the other party. Even if it is really the collection personnel sent by the platform, do not give the money to them, but repay through the channels designated by the official website. After repayment Keep repayment records to prevent surprises.

2. The online loan platform did not write off the account. If the online loan platform received the money and did not write off the account after repaying through the channels designated by the online loan platform, but received a collection call again, you can call directly. Call the online loan platform and ask for a write-off. If the online loan platform requires payment of liquidated damages as the reason for canceling the account, then complain directly without saying anything. There are many channels for complaints, such as the local Banking and Insurance Regulatory Bureau, Black Cat Complaints, Ju Complaints, etc. The premise is that valid repayment records, screenshots of chat records, etc. must be provided. I borrowed money from Weibo and paid it back, so why are there still calls for repayment?

1. There is an outstanding amount.

2. Repayment is hindered due to system failure.

3. Encountered fake debt collection.

4. The online loan platform did not write off the account. The bank credit bureau has said that the loan has been repaid, so why are there still people calling to demand payment?

It may be that the information is out of sync. You have paid off the loan, but the bank's system has not been updated.

The reminder phone call is made manually. Maybe they haven’t gotten the latest repayment information yet. You just need to make it clear to them and let them check it.

The credit reporting system of the People's Bank of China includes a basic database of enterprise credit information and a basic database of personal credit information. Among them, the basic database of enterprise credit information was started in 1997 and became available for nationwide online inquiry in July 2006.

As of the end of 2014, the database included more than 10 million enterprises and other organizations, of which more than 6 million had credit records. The construction of the personal credit information basic database first started in 1999. At the end of August 2005, the network operation with all commercial banks and some qualified rural credit cooperatives in the country was completed. In January 2006, the personal credit information basic database was officially put into operation. As of 2015, the database included a total of 870 million natural persons, of which 370 million had credit records.

The main users of the central bank's credit reporting system are financial institutions, which are connected to the headquarters of financial institutions such as commercial banks through dedicated lines, and extend the terminals to the credit personnel of commercial bank branches through the intranet system of commercial banks. Business counter. The information sources of the credit reporting system are mainly financial institutions such as commercial banks. The information collected includes basic information of enterprises and individuals, credit information such as loans and guarantees from financial institutions, and major financial indicators of enterprises.

In April 2019, a new version of the personal credit report was launched, and defaulting on water bills may also affect their personal credit. On June 19, China established the world’s largest credit reporting system.

On January 19, 2020, the Credit Information Center provided second-generation format credit report inquiry services to the public and financial institutions.

Credit background:

If you borrow money from a bank, the bank needs to know who you are; it needs to determine whether you can repay the money on time; whether you have borrowed money before, yes There is no record of borrowing money and not repaying it, etc. Before a credit report appears, you have to provide the bank with a series of supporting materials: employer certificate, salary certificate, etc.; the bank's loan officer will also have to call your employer and visit your home. After two weeks or even longer, the bank will Will tell you whether to lend you money. The bank is really tired, and so are you. Borrowing money is really troublesome.

This specialized agency will create a "credit file" (i.e. personal credit report) for you and then provide it to various banks for use. This kind of activity of sharing credit information between banks through third-party institutions is credit reporting, in order to improve efficiency, save time, and serve you faster. With the intervention of the credit reporting agencies and the credit report, when you borrow money from the bank, the bank loan officer can check your credit report with your consent, and then spend some time to focus on verifying some issues. Let you know quickly whether the bank will offer you a loan. The bank saves trouble and you save worry.

In China, the Credit Reference Center of the People's Bank of China (hereinafter referred to as the Credit Reference Center) is a specialized agency that establishes your "credit file" and provides personal credit information to commercial banks.