Whose money did Zhongyuan overdue loan cost? Mine is overdue. I wonder what the consequences will be.

If the online loan is overdue, it needs to bear a high overdue fee. If the credit is collected at the meeting, it may be collected.

First, bear high overdue fees.

For overdue fees, different online lending platforms have different names and different charging standards. Whether it is called overdue penalty interest, overdue management or other various names, the charging standard is very high. Therefore, those who have the ability to repay on time should never be overdue.

Second, undertake the fancy collection of the platform.

Collection is generally divided into three stages:

In the first stage, just a few days after the deadline, the platform customer service MM whispered warmly to remind you that if it is overdue, please repay it on time; In the second stage, if it is overdue for a long time, the platform customer service will seriously warn that the threat of overdue will face serious consequences; In the third stage, it was overdue for a long time, and the platform stopped trying to convince the other party and began to take practical actions.

There are many practical actions, such as: the platform pushes your arrears information to your relatives and friends, which makes you lose face in the circle of friends; The platform arranges special collection personnel to collect money at home and communicate face to face to collect accounts. Of course, these are still relatively mild. Some platforms outsource collection, and special collection companies collect them. The collection company "violent collection" that broke out some time ago believes that borrowers are not willing to encounter it.

Extended data

A strange phone call from a foreign country made Mr. Xu "urge" his friend to pay back the money, and then he swore. In the following hours, hundreds of text messages were "bombed". When Mr. Xu "collapsed", he finally figured out the whole story.

Be bombarded by text messages

Be asked to urge friends to pay back the money

Mr. Xu, 35, from Baoji, has worked in An for 6 years. On the afternoon of October 27th, 65438 1, he received a strange phone call from Guiyang. The other party claimed to be the customer service staff of the "Flash Money" online lending platform. Because a friend of Mr. Xu's, Yang, borrowed 2600 yuan from his loan platform on June 27th, 65438+ 10, and when it was overdue, he called Mr. Xu to "urge" his friend.

Mr. Xu didn't care at first, and casually said that he didn't know Yang. Please contact me if you want to urge the repayment. I didn't expect the other party to swear: "Do you keep money for a coffin?" He also said that if he didn't pay back the money, Mr. Xu's phone wouldn't work.

Will it hurt your friends if you don't pay back the money after the deadline? This is the first time that Mr. Xu has encountered such a thing. At first, he thought the other party was just talking, but in the next few hours, his mobile phone was really "bombed" by hundreds of text messages.

Most of these numbers are network virtual numbers starting with 106 and 1 16. The numbers are from Changsha, Beijing, Yueyang and Guiyang, and they didn't stop until around 1 the next morning.

Subsequently, the exhausted Mr. Xu went to the Zaoyuan Police Station of Lianhu Branch of the Municipal Public Security Bureau to report to the police. After verification, it was learned that the "Flash Money" online lending platform company was in Beijing, and these short messages were sent through multiple virtual platforms.

Regarding this matter, the police said that there was no good solution for the time being, and suggested that Mr. Xu make a complaint through China Internet Finance Association.

"There are old people and children at home, and they dare not drive home." Yesterday, Mr. Xu said that when he called Guiyang "Flash Money" customer service phone again, the other party said that if Mr. Xu could ask his friend Yang to pay back the money, his phone would not be harassed.

reference data

Baidu encyclopedia-online loan

People's Daily Online-A friend's online loan overdue man was "bombed" by hundreds of text messages.