It turned out that the borrowing of flowers was overdue, and Alipay collected it like this!

The introduction of ant borrowing flower buds has really facilitated many people and made loans more efficient and convenient. According to the official data of Alibaba, the loan went online for 10 month, and the accumulated loan was 300 billion, with more than100000 users.

Faced with such a huge user group, no matter which lending institution will face a problem, that is, overdue collection. Perhaps the bosses of many lending institutions are as curious as I am, and there are so many users who borrow flowers. If it is overdue, how can I legally and effectively collect the borrowed flowers? Why would I rather borrow money online than from my friends?

1

Generally, a few days before the repayment date expires, Alipay will send a message to remind you. If the repayment is overdue, Alipay will continue to send messages to remind you of the loan information and the adverse consequences of overdue. As stable as salary, such a loan will make you earn more than 10 thousand yuan a month!

N0.2 telephone contact/family

If you still ignore the reminder message and fail to repay in time, and this situation exceeds 1 month, Alipay will call to remind you to repay. Generally, the third party entrusted by Alipay collects the company loan of 1.8 million, and buys a house at home to pay the down payment!

If you want to escape by changing the number, stopping or turning off the phone after receiving the reminder call, I advise you to give up this idea as soon as possible. Alipay will contact people in your address book. Don't ask Alipay how to get your address book. When you borrow money, people already know your home. What about those who owe a lot of online loans now?

N0.3 freeze accounts, etc.

At this time, if you can't afford the loan at present, Alipay may freeze your Taobao account and Alipay account, so that you can't use Ali's platform, let alone borrow money. Willful! Your loan amount is actually determined by the constellation? !

Fourth, send a dunning notice.

If you don't care about the above points, then Alipay will send you a reminder that your overdue is more serious. In addition, if the overdue amount is large, legal procedures will also be taken. Girlfriend wants LV, wife wants Cartier ... It's hard to be a man without money!

Upload it to the central bank's credit information system on the 5th.

If the borrower fails to repay the loan within the time limit, the score of Sesame Credit will be reduced. If the borrower fails to repay the loan for several months in a row, Alipay will also upload your overdue records to the central bank's credit information system, which will have a great impact on personal credit. Will it really be violently collected after the deadline? The brother who has experienced the collection said so. ...

Don't think it's no big deal to be overdue. It will not only affect your life and work, but even your next generation. Therefore, if you borrow money, you must pay it back on time. If you have already borrowed it, it is not difficult to borrow it again. Alipay and a treasure have penetrated into every aspect of our lives, and ants can use freezing accounts to put pressure on them. Ordinary lending institutions can only weigh from the previous customer risk control when they encounter Lao Lai.