Is it true that the online loan is overdue and the door-to-door investigation is said?

1. Is it true that the online loan is overdue and the door-to-door investigation is said?

Nothing is absolute, and the probability is low, which does not mean that there is nothing.

If there are collectors who come to the door to discuss their views, it is recommended to remain calm, inform themselves of the current situation, make necessary records and safeguard their legitimate rights and interests;

First, collection is the favorite means to scare overdue users of online loans. This move scared many big brothers, fearing that they would lose their legs when collecting money at home. However, these big brothers may not realize that there is a cost in collecting money at home, and it is illegal to break into houses. If they are sued, online lending platforms generally do not take this approach. However, according to the collection staff, it is true, but don't be afraid, because such companies only ask users why they owe money and pay off their debts verbally.

Second, instead of waiting for the collection of explosive address books, it is better to confess with family and friends first. It is generally understood as telling them the reasons for borrowing money and the difficulties they are facing now. Even if the address book is exposed, our face can still be saved.

If the financial strength of the family is ok, you can borrow money from the family to repay the loan first, and then work hard to save interest and face.

Third, resort to the law to retain violent collection and full recall of short messages, and pass the law. New loan regulations: the recipient shall not collect the loan by violence, intimidation, insult, slander or harassment. If they violate the law seriously, they can be transferred to the public security bureau in time.

Fourth, choose a formal platform when withdrawing money, allowing a long period of time and making collection more civilized.

Fifth, start from yourself and check the debt situation when borrowing to avoid the inevitable situation. Avoid spending all your credit and pay attention to your online loan big data in time. Compared with overcharging, the available tests may make you fall into serious economic difficulties. Special attention should be paid to abnormal data in big data to avoid information being stolen by others.

Six, the above is the disposal method of door-to-door collection. The general principle is to recognize legal debts and reject illegal debts. When personal safety is threatened, avoid confrontation and get out of danger as soon as possible. If the other party commits illegal and criminal acts, report the case in time.

2. Use Gitzo to pay off the phone in installments 1700. It's overdue for half a year. You said you would come to my house, right? ...

The first possibility is yes, they will hand over these overdue accounts to a company specializing in collection of accounts, and the second possibility is no, that is, to scare you into paying back the money earlier.

Third, is it legal for a third party to come to the door after the online loan is overdue?

Subjective law: online loans are overdue and may be collected at home. At present, online loan collection is the participation of third-party companies. If the other party is violent, you can call the police. If the online loan is overdue, it is recommended to confess with your family as soon as possible. Regarding the question of whether online loans are overdue for home collection, the following is a detailed answer from online editors. First, the online loan is overdue and will not be collected at home for the time being. Generally, it will not be collected directly at home. Whether the online loan is overdue or not depends on the overdue time of the online loan, the amount owed and the work style of the online loan platform. In addition, if the general collector makes frequent calls and text messages to collect letters from lawyers, and when all the available collection methods are basically used, the collector finally says that he will come to collect them, then in this case, he may not scare the borrower, and may actually come to collect them, so he will borrow money. Second, there are many ways to collect online loans: 1. SMS notification is generally used for short overdue days, no more than one week. 2. Tell me by phone and start calling yourself to ask how long it will take to repay. 3. Contact the list in the address book. Here is a reminder that all the apps on the online lending platform will read your address book or upload your own mobile phone service password. They can only choose some people you often contact. 4. Start short message bombing and abuse debtors in online forums such as Post Bar. 5. Intimidate and threaten borrowers. 6. Send a lawyer's letter or reminder letter to your address. 7. Summons. Third, how to properly handle door-to-door collection of online loans 1. Don't directly return the money to the collection staff. Repayment must be made through the online loan platform, and after repayment, the platform is required to cancel the account. 2. Pay attention to collecting evidence of the other party's crime. It is not ruled out that there will be some black debt collection. If this happens, the personal safety of the borrower may be hurt. Therefore, when the collection infringes on the legitimate rights and interests, it is necessary to keep relevant evidence as much as possible, such as secretly taking photos and recording with mobile phones. The situation is wrong, we should call the police in time. 3. Consult with each other as much as possible to avoid conflicts. The purpose of collection is to make you pay back the money. If you have a good attitude, the other party should not take you for granted. If there is really no money to pay back, we must strive for the opportunity to negotiate. At the same time, the attitude should be gentle, and it is best not to have verbal or physical conflicts. 4. Call the online lending platform in person to negotiate. At present, most online lending platforms outsource collection to third-party collection companies. Different from online lending platforms, the collection methods they use may be more threatening and usually not easy to negotiate. If you really encounter a door-to-door collection, directly call the platform customer service phone to negotiate, maybe the other party will agree. The above is the related content compiled by Bian Xiao. When lending online, it is generally necessary to sign a loan agreement with the platform. Lenders need to repay on time. If the repayment amount on time is not large, the other party may entrust a third-party company to collect it at home. If you have other needs, please do one-on-one legal consultation online.

Legal Objectivity: Provisions on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases Article 22 Lenders and borrowers form a lending relationship through the peer-to-peer lending platform. The provider of online lending platform only provides media services, and the parties require it to bear the guarantee responsibility, which the common people will not support. If the online loan platform provider explicitly provides guarantee for the loan through the media such as web pages and advertisements, or there is other evidence to prove that the lender requests the online loan platform provider to assume the guarantee responsibility, the people should support it.

4. Is it true that online loans entrust a third party to come to the door?

There may really be a third party who owes online loans to come to you. If you just come to collect debts, there are no other illegal acts (for example, taking things, smashing things, etc. If your rights and interests are harmed, you can claim tort damages. Peer-to-peer lending refers to direct lending between individuals through the Internet platform. Individuals include natural persons, legal persons and other organizations. As a new lending platform in peer-to-peer lending, loan companies usually operate online, so they can operate at lower management costs and provide cheaper services than traditional financial institutions.