What if the online loan is still being collected?

The online loan has been paid off. Do I need to face the call to prove it to him?

No need. Don't go to the credit online loan, there is a repayment record after repayment, and then you can call the police. If you go to the credit bureau, in addition to the settlement certificate, there is also the word "money has been settled" in the credit system. You can check the next month's credit report at a glance.

Generally speaking, after the settlement, there will be a corresponding page, which can take screenshots, and the bank running water can also be used as proof of settlement, while online companies rarely cooperate with you to send such proof, of course, it is best to have it.

Issuance process of loan settlement certificate

If the user applies for a bank loan, after the loan is settled for 3-5 working days, I can go to the bank counter and apply for a loan settlement certificate with ID card, loan contract and other materials. The application is for online loan products. Generally, after the loan is settled 1 month, the user can apply for a settlement certificate from the online customer service, and the settlement certificate will be sent to the user's mailbox.

The settlement voucher will take effect as long as the lending institution seals it, and it is mainly a voucher and has no practical significance.

Why did you receive a collection call after the online loan was paid off? You may have met a fake collection.

Borrowing money from online loans is cool for a while, and there are two lines of tears in repayment. Interest is ridiculously high. If you collect it after the deadline, the address book will burst, leaving things you can't borrow money hidden among friends and family. Many people are very annoyed, and they finally get the money back, but they still get calls all the time. In this case, one may encounter false collection, and the other is that the online lending platform has not written off. Here's how to solve it.

1, encountered a fake collection

In this case, criminals mostly obtain overdue borrower information through gray channels, and then pretend to be the collection personnel of the online loan platform to let the borrower transfer money to the WeChat or Alipay account provided by them, saying that after receiving the money, they will transfer it to the online loan platform and let the online loan platform cancel the account.

In order to reduce the vigilance of borrowers, it is usually used as bait to reduce part of the penalty interest or negotiate to repay only the principal. Many borrowers saw that they could reduce their money, fearing that the online lending platform would go back on its word and immediately put the money into these fake collection accounts.

When the money arrives, the fake collection will disappear. The online loan platform has not received the arrears you paid, and it will definitely be collected. In this case, you can only admit that you are unlucky. The online lending platform will not care that you are cheated. What they want is to get your money back.

Therefore, after overdue loan collection, everyone must confirm the identity of the other party. Even if it's really a collector sent by the platform, don't give them the money, but repay it through the channel designated by official website, and keep the repayment record after repayment to prevent accidents.

2. The online lending platform has not been written off.

If the repayment is made through the channel designated by the online lending platform, the online lending platform will not write off the money received, but will receive a collection call and can directly call the online lending platform for write-off.

If the online lending platform can only cancel the account on the grounds of paying liquidated damages, it will not directly complain.

There are many complaint channels, such as local bancassurance insurance bureau, black cat complaint, gathering people to complain, etc. , provided that valid repayment records and screenshots of chat records are provided.

If the online loan is in arrears, the platform has contacted the repayment and the principal has been paid back. What if I send another message and blow it up?

It may be a third-party debt collection company.

Some platforms will entrust debt collection companies to collect debts, but the expenses incurred by third-party debt collection may be paid by debtors.

It is not illegal for online lending platform to collect loans by phone or SMS in regular online lending and overdue behavior occurs. Formal loans should be linked to personal credit information. If overdue repayment occurs, it will have a negative impact on personal credit information. It is suggested to lend according to one's ability, repay on time and maintain credit information.

The online loan has been paid off a few years ago and is now being collected.

That means you met a liar. These scammers buy personal information from outsourced third-party platforms and swindle customers who have already paid off. They should directly extort or complain.