Zhaolian Finance always sends short messages.

If you really owe money, this possibility may be true. After all, you do owe money.

First, it may be true.

Although the interest rate is a bit high, the product is still quite good. It's not good to lose credit for that little money Zhaolian is the cooperation between China Unicom and China Merchants Bank. Pay it back quickly and cherish the credit. Welcome to adopt. I'm sure I understand that the court will file a case and your future life will be affected. You can't do high-speed trains and planes, and your children will be restricted from going to school.

Second, Zhaolian Finance

Zhaolian Finance is a consumer finance company jointly established by China Merchants Bank and China Unicom, and has a formal license. Therefore, the early collection of Zhaolian Finance is very similar to that of banks. In the process of collection, there are few cases of home collection by recruiting financial arrangements, and other collection methods are generally the main ones.

: Common collection methods

1, debt collection method

After loans overdue, the first collection methods adopted by Zhaolian Finance were telephone collection and SMS collection. In the case of fruitless telephone collection and SMS collection, if it is overdue, Zhaolian Finance can collect it through prosecution. From experience, people with four characteristics are vulnerable to home collection. These four characteristics are: the amount of financial arrears of Zhaolian is very huge, and the amount is at least 50,000 yuan; Refuse to cooperate with repayment and adopt various means and methods to fight against collection; There is a financial office or a cooperative third-party collection agency; Long-term arrears of loans, generally more than 3 months. Generally speaking, there are not many cases of door-to-door collection by Zhaolian Finance, but this possibility cannot be ruled out. Kuan Jie believes that regardless of whether Zhaolian Finance will come to the door for collection, everyone should actively cooperate with the repayment, otherwise it will cost a lot.

2. Timely repayment

If there is no repayment at one time, the bank will call and SMS to remind you to repay on time, and at the same time, it will impose a penalty interest. If the loan is not repaid for three consecutive times, the bank account manager will collect it and the borrower will be penalized. If the number of overdue repayments reaches six or more times, and the negotiation between the bank and the borrower fails, and the court decision is not fulfilled during the performance period, the bank will apply to the court for compulsory execution. When the court accepts enforcement, it will inquire about the real estate, vehicles, securities and deposits under the name of the lender according to law. If the lender has no executable property under his name, refuses to perform the effective judgment of the court, and the negative information such as overdue repayment will be recorded in the personal credit report, and will be restricted from high consumption and entry and exit, and may even be punished by judicial custody. The loan applicant is suspected of refusing to execute the judgment or ruling.