I didn't answer the online loan overdue call, and now I receive a text message saying that I contacted the village Committee to urge repayment. Is it credible?

This kind of short message is a typical harassing short message, which is not only unreliable, but also can report complaints to China Banking and Insurance Regulatory Commission.

Before 219, some online platforms liked to send collection materials to the village committee or home where the debtor's household registration was located. Because of the low cost, strong threats and intimidation and good collection effect, a large number of online loan platforms followed suit, which made this situation crazy. Some village committees could receive dozens of collection emails a day. In view of this, some grassroots cadres have reflected these situations to the relevant state departments, which has aroused great concern from the state administrative departments. From November 219, including postal departments and express delivery companies, they will not undertake similar businesses, law firms, nor will they undertake the collection of lawyers' letters from online loan companies. A few days ago, I sent a lawyer's letter to a private lender. Because of the word online loan, the staff refused to accept it and had to correct it.

Now, except for a few companies such as Gitzo and Ping An Pratt & Whitney, which also collect money from debtors by phone or SMS, other online loan companies and third-party collection platforms have all died down. Borrowers don't have to be too nervous when they receive a collection call, and tell each other openly and honestly, and record it as evidence: I will judge as much as the court decides to sue; If I don't go through the court, I won't pay a penny. If you know legal knowledge, you can also argue with the other party about the legality of the online lending platform and the legality of the loan interest, so as not to let the other party's collectors think that you are good at bullying.

As far as the problems described by the landlord are concerned, everyone is an adult with full capacity for civil conduct and should be responsible for their actions. I owe money and the village Committee has a relationship of half a dime. Why should the village Committee come to urge the repayment? If you have a temper, you can not only report to China Banking and Insurance Regulatory Commission, but also keep total recall and harassing short messages, report to the public security organ or sue the other party in the people's court.

in June this year, I instructed the client to report to the public security organ and investigate an employee of Kunming Branch of Shenzhen XXX Credit Consulting Co., Ltd. because the collector of this company kept insulting the debtor and his family with vulgar and obscene words during the collection process, and the victim recorded the whole process. After calling the police, the customer service of this company apologized to the victim and never made a collection call again.

I think it is credible. After all, they are not formal state institutions and can do anything. I have a high school classmate, who may be vanity during college. He borrowed money from several online lending platforms to buy cosmetics and bags, but he was unable to repay them. He had to rob Peter to pay Paul, but he didn't dare to let his family know. He also went out to work to earn money and repay the loan without telling his family. We haven't contacted each other for several years, but once we received a phone call from the loan company, saying that she left my number when she borrowed money. Now I can't contact her, and I have to pay her back. I also sent her the IOUs and ID photos. I was shocked at that time. I usually saw her living exquisitely and completely being a good girl in my circle of friends. How could I do such a thing? After several years of silence, the classmates became active again because of her. It turned out that I was not the only one. Most people received such a call. Everyone called her one after another, but no one answered. Someone said in the group that if you don't answer the phone, we will call the police. She finally answered, saying that no one will call us again. I don't know how she handled it in the end. Anyway, we never received that call again. Later, I heard that almost the whole village in her family knew that she had borrowed online loans, and her family came forward to help her pay off the loans. It seems that she borrowed 3, yuan at the beginning, and then it was overdue, and she would pay back more than 2, yuan in a month, but fortunately, she returned to normal life in the end.

Online lending is terrible. When you borrow it, you should upload your address book and ID card. Once you have no money to pay back, they will bomb your address book and even look for you according to the address on your ID card. As for village committees, which belong to national institutions, they should all get the numbers, and maybe they will really get in touch with them, so they are credible. Once the online loan is trapped, it is difficult to pull it out. It is best for everyone not to touch it.

Never mind, the village committee has no responsibility and obligation to help urge repayment! I have worked in the village Committee for a period of time, and I often encounter this situation.

Our village party secretary always receives this kind of call, and the online loan company calls, asking: Is there a XX in your village? Do you know him? Let him (her) return the money he borrowed immediately. Our branch secretary hangs up directly and ignores it!

Even foreign online loan companies often find the village committee for debt collection. Where is XX in your village? If he (she) doesn't repay the loan, you can take us there. The village Committee ignored it and directly said that they didn't know where people were. I haven't been back for years.

So don't worry about the online loan company calling the village committee to urge repayment!

however, don't touch the online loan, and don't rob Peter to pay Paul again, it's useless! This is a road of no return! Reasonable consumption and borrowing, control your own consumption desire, in order to prevent your life from going astray.

messing around with online loans can really ruin everything for you in minutes! Life is a long road, do it and cherish it!

people who are overdue tell you whether it is credible.

first, they don't know the phone number of the village Committee where you are registered, and even if they do, they ask from 114118.

second, the village Committee has no obligation to urge the debtor to repay the money of a platform or a bank.

Fourth, make a phone call once or twice a week to the platform (bank) where you borrow money. Let them feel that your willingness to repay is still very strong. Talking about your current situation. Remember, be sure to talk to the customer service who specializes in overdue. They all have a recording session)

Fifth, try to find the money and find enough principal you want to repay. At this time, you will take the initiative to call the platform (bank) where you borrowed money for mediation. If you are lucky, you may only repay the principal. If you are unlucky, it won't get any worse. At most, it will be calculated for you according to the national statutory annual interest rate. If it's too much, just say, you'd better sue me. They dare not sue you if the annual interest rate exceeds the national legal rate, and they will only mediate with you.

after all, we owe money rather than life, don't we?

Everyone will have difficulties. If it is overdue, it doesn't mean that we won't pay back the money. It's just that there is suddenly no source of income. Whoever has a source of income will be overdue.

one last word, don't let the collection disturb your mind. Adjust your state and try to find money. I wish you an early landing. Let's cheer together.

it may, but it is generally ignored. Online loan companies are generally illegal, and they cannot collect debts from you through judicial channels. They usually harass you by phone bombing, even your relatives and friends. The contact information of relatives and friends is generally through the address book authority obtained when you apply for a loan. Once you can't contact, they will contact people in your address book, which will affect your life and force you to take the initiative to repay the loan. If the amount is not large, it is unlikely to come to the door to urge them, which is not in their interest. It may not be enough to urge them to recover, so generally you don't mind.

Have you really met those friends who say they are trustworthy?

The premise of answering this question is not to teach you not to pay back the money you owe, but to treat the collection rationally.

I am very responsible for saying that these are not credible!

If he had the courage to collect the money, he would come to you directly. What's the use of blaming you for those relatives, neighbors and village committees? Contact the village Committee, and the village Committee will help them to collect money? Joke!

Some people say that it threatens your reputation. Excuse me, what good will it do to the dunner if the debtor loses his reputation? Unless the dunner tries to bring you down in a lose-lose attitude!

Moreover, nowadays, the society is cracking down on evil, and the leaders of various bureaus are full of food and have nothing to do. Once someone reports it, they can't wait to follow the trail and go straight to Huanglong to do some good work!

So, don't worry, I've received countless similar phone calls or text messages. I've made tea and waited, but none of them dared to come. I really hope to have a good talk with them and never give me a chance.

I don't believe it anyway. Online things can fool one by one!

ignore him! ! !

it's just the usual means of online generation.

I get several messages like this one day, and I also get fake court summons, and a letter from a lawyer. I'll call him back and scold him when I receive these now.

It doesn't matter whether you believe it or not. What matters is whether you have the ability to repay. If you have the ability, you can repay it. If you don't, they (the third party to demand payment) so you don't have to pay attention to them. In the past, they could demand payment by illegal means in the "black society", but now they generally don't dare. Just make money and repay it with peace of mind. Don't be influenced by these "junk" phone calls.

good luck!

not until three months later.