What if I don't tell you which platform I'm from?

Call to remind me not to tell me which platform he is on. I pretended to have the wrong person.

Generally speaking, when you call for collection, you won't talk about your platform, because it will expose yourself. Now the collection itself is illegal, so you will only urge the collector to pay back the money quickly. Then, what if you don't say which platform you are from? See which lending platforms are overdue or overdue and pay back the money as soon as possible.

Call to remind me not to tell me which platform he is on. I pretended to have the wrong person.

Because many platform collections, including outsourcing third-party collections, are informal, it is very likely that there will be excessive collection behaviors such as abuse, threats and address book explosion during the collection process. The other party also knows that this kind of violation is not desirable, so it will not say which platform it is, but only urge the debtor to repay.

In addition, many calls of the collection company are random numbers, and the area code displayed at the beginning is completely inconsistent, mainly to prevent disputes with the platform after finding the debtor.

In this case, the user can ask which company the other party belongs to on the phone. If he doesn't tell the truth, he won't take the next step; Or he can list all the borrowed platforms and see which ones are out of date. After screening these overdue platforms, it can be roughly determined.

What if I don't tell you which platform I'm from?

If you receive a reminder call, but the other party does not explain which platform you are on, it is recommended to do the following:

1. Go to the loan platform you borrowed to check the loan repayment and see which platform is in loans overdue. Or you can directly query the big data/personal credit report, which will be clearer and all the loans in your name will be displayed.

2. Pay off all overdue debts under your name as soon as possible. As long as all debts are paid off, you will not be charged again. If you can't pay temporarily, you can also contact the customer service of your platform to negotiate and then try to apply for an extension. If the negotiation is successful, you should not be charged again in a short time.

If you have checked all the loans in your name and found no overdue situation, you can directly ask the other party for details. If the other party insists on not talking, be careful that criminals may use the name of the lending platform to defraud money. Of course, it is also possible that personal information is leaked and others borrow money under false names. In this regard, it is necessary to explain to the lending platform that I did not make this loan, and demand that the lending relationship be terminated immediately so as to find someone who borrowed a fake loan to pay back the money.

What does the company fear most? 1. Borrower's complaint.

The third-party collection companies of banks are all regular collection companies and are nationally recognized collection companies. This is why the bank entrusts them to collect money. As the entrusting party, if the collection company violates the regulations, the bank will also bear joint liability.

In particular, some third-party collection companies, in the face of borrowers, collection means will be very fierce. If the borrower encounters this situation, he can directly call the CBRC to complain, that is, directly complain to the banking supervision department. After their participation, the tripartite collection entrusted by the bank will definitely be restricted.

2. The borrower ignores the collection.

The performance of the third-party collection company is related to the arrears collected, and the wages of the collection personnel are also directly related to the arrears collected. If the other party has been in arrears, they will naturally not make money.

If the borrower doesn't care that his address book is exploded, the unit is called to the door, etc. Many collection companies will be at a loss.

In the case of small debts, many financial institutions generally do not choose to sue borrowers. Because it takes too much time, manpower and material resources. Calculated, it will even exceed the borrower's own arrears.

The third party called for collection and asked him which collection company he was from. Why didn't he say anything?

Because such collection companies are generally shady.

The reason is simple, the collection industry itself is not particularly eye-catching. Many collection companies have no specific industrial and commercial qualifications, or even just accept other people's orders. In this case, if you ask them the name of the company, they will naturally not tell you. But I don't think what you care about is what this collection company is, but how you will repay it.

First, many collection companies are generally outsourcing companies.

Generally speaking, if your credit card or loans overdue is cancelled, banks and lending institutions will contact you as soon as possible and remind you that the arrears are overdue. If the user maliciously overdue, the bank will directly distribute this list to the third-party outsourcing company. Banks do this to avoid some legal liability problems, after all, the collection work is likely to involve some marginal content. I will contact you at this collection time and collect the arrears through various means.

Second, many collection companies are irregular.

As I said above, for most collection companies, the information of this industry has not been particularly transparent, because the collection work is inherently shady. For those bad collection companies, it is difficult for them to receive orders from banks or loan companies, but they can receive orders from their peers through peer-to-peer methods. If you meet such a collection company, they won't tell you the specific company information.

Third, you need to actively repay the arrears.

Your concern is a little strange. When you are overdue, what you care about is not how to repay the loan or what consequences it will bring to you, but who the collection company is. I think the problem you need to solve most at present is the problem of arrears, and there is no need to compete with the collection company. If you encounter bad collection in the process of collection, you can directly record it by telephone and hand it over to the relevant departments for reporting, which can further protect your legitimate rights and interests.

What if I receive a reminder message, but I don't know which platform it is from? What if they say they didn't send it because the time has been communicated and negotiated?

Don't pay attention to this situation. If it is a real loan platform, they will call you on their own initiative and will not send a message. Ignore it, because many scammers do it now.