What if someone maliciously collects the loan after it is paid off?

My online loan has been paid off, and now I demand overdue repayment. I sent a message saying that I would go to my house to ask for it. What should I do?

It may be that some criminals obtain overdue borrower information through gray channels, pretend to be online loan platform collectors, and ask borrowers to repay. In this case, it is recommended to call the police.

In addition, there are some reasons why the debt has not been written off after repayment:

1. The repayment information of online lending platform has not been updated. Many online lending platforms may not write off the information after repayment due to the lag of system information processing or the negligence of staff.

2. The collection personnel take it for themselves. In the above cases, it is a "false collection" to defraud the arrears, but sometimes the real collector may have a similar situation. Some online lending platforms will require borrowers to directly transfer the arrears to the collectors. If they meet some irregular collectors, they are likely to misappropriate the money.

3. The illegal platform maliciously does not cancel the account. This situation can also happen. Some informal online lending platforms may deliberately create the illusion that you have not paid off your debts, so as to collect huge liquidated damages.

Consequences of overdue online loans:

1. If a lending institution or bank fails to perform the judgment of the court within the performance period after winning the case in court, it will apply to the court for enforcement.

2. When accepting enforcement, the court will inquire about the real estate, vehicles, securities and deposits in the name of the lender according to law.

3. If the lender refuses to perform the effective judgment of the court because there is no enforceable property under his name, negative information such as overdue repayment will be recorded in the personal credit report, which will restrict high consumption and entry and exit, and may even lead to judicial custody.

4. Refusing to execute a judgment or ruling is suspected of refusing to execute a judgment or ruling.

5. Travel by means of transportation is restricted. People with bad credit records will not be able to buy travel and holiday products through platforms such as Taobao and Tmall, and will not be able to book soft berths for airplanes and trains. Limit high-end consumption, and people with bad credit records cannot spend high in hotels, hotels, nightclubs, golf courses and other places above the star level. It is difficult to pay high premiums when buying insurance wealth management products.

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.

How to deal with violent collection of online loans?

Coping methods of telephone collection are: coping style, door-to-door collection, telephone collection is also the most commonly used collection method, take the initiative to complain and notify colleagues.

1, coping methods.

Complaint acceptance, clue transfer and information statistics of bad and junk information in information communication networks such as telephone networks. You can complain by phone, at least to some extent, to curb this spam message.

2, door-to-door collection.

Most of them are done by the third-party outsourcing team, which is usually called door-to-door collection, and there are two situations. The first is to visit regularly, including sending letters, looking for relatives and friends, looking for leaders, and exerting pressure through relevant personnel. Regular door-to-door collection will basically bring mobile phones, cameras, contracts and other materials, and some may even bring lawyers. Basically, employees of the company go to the door directly to understand the situation, and there will be no excessive collection behavior, mainly causing psychological pressure on debtors and their families, but these are within the scope of legal compliance.

3. Telephone collection is also the most commonly used collection method.

Because its cost is relatively low. Telephone is generally divided into three types: VoIP, fixed telephone and mobile phone without real name. Internet phones can't be dialed back, and the numbers are all over the world. On the phone, Xiao Cui will use all kinds of tricks, both soft and hard, and even irritate you, deliberately inducing you to talk about malicious debts.

4. Take the initiative to complain.

You can directly contact the online loan customer service to complain that it is illegal to call the company without losing contact. If the collection insists on calling, you can only go to the relevant institutions.

5. Inform colleagues.

It's easy to call for your company's phone number, and you can't stop it. You can tell your colleagues who answer the phone in advance that if someone asks for you, they have left their job or let them ignore it.