The dunning process, telephone messages or legal channels of Weizhong Bank.

Have you received any text messages or phone calls about debt collection? When everyone is in trouble, the borrowed money is not due, and it is inevitable that people will ask for debts. Since ancient times, it is only natural to pay back debts. So what is the debt collection process of institutions that provide loans such as Weizhong Bank?

When a loan business occurs in a more formal platform such as Weizhong Bank, the general dunning method will increase the collection efforts with the passage of time. Generally, it is only a few days overdue, one week overdue, one month overdue and more than three months overdue.

Under normal circumstances, if it is short-term overdue at the beginning, Weizhong Bank will send a collection message to the borrower, or remind the borrower in advance that repayment is needed on the repayment date; If it is overdue for more than 7 days, Weizhong Bank will call the borrower for collection.

If the overdue period exceeds 1 month, Weizhong Bank will generally collect it by mail, letter, telephone, etc. If it is overdue for more than 3 months, Weizhong Bank will hand over the collection work to the outsourcing organization. At this time, the address book may explode. And if there is a local micro-bank cooperative collection agency, it may also come to collect.

It is worth noting that debt collection does not necessarily stick to the process. Sometimes people who owe money will be called a lot a day, or those who have a bad attitude may be exposed to the address book in advance. If the individual fails to repay the loan for a long time, the general Weizhong bank will file a lawsuit against the individual and the debtor will receive a legal summons.

Then the borrower should answer the call for collection with a normal heart. Everyone thinks so. Whether it is a loan company or an outsourced third-party collection company, the ultimate goal of their collection is to collect the money.

Therefore, as long as the borrower lets the other party know that you will definitely pay back, explain your current work income on the basis of telling your own difficulties, and give the other party a detailed and reasonable debt repayment plan, so that they can know that you can't pay back the money for the time being, but you have been working hard to find ways to raise money to pay off the debts, then the negotiation will be much easier.

Generally speaking, some platforms that provide loans, such as Weizhong Bank, will use legal channels in addition to telephone and SMS notifications, and will also expose the address book to call your contacts. Therefore, if it is overdue, it is best to contact customer service actively to avoid follow-up.