What should I do if the online loan is overdue?

Once the online loan is overdue, it means that various collection methods will follow.

Once the borrower fails to repay the money on the online loan within the time limit, the collector will take this opportunity to coerce the borrower to repay. If the borrower doesn't pay back, it will harass the contacts in the address book and even threaten the P group. Many borrowers can't accept such consequences.

Online loans are affected by long-term overdue, that is, credit information is damaged. Under the supervision of the state, more and more online lending platforms have access to credit information. Even if they can't get the credit information of the central bank, they will still borrow big data online. Official WeChat accounts, such as Yisou Data Guan Wei, can detect their own online loan big data, so overdue on one platform may lead to obstacles in borrowing on other platforms later, and even have an impact on buying a house and car in the future.

So what can we do to reduce the loss?

First of all, say hello to friends in the address book in advance. Instead of letting collectors embellish and discredit you in front of your address book friends, it is better to confess yourself and tell your friends not to answer strange calls, so as not to collect your address book friends inexplicably.

Second, internal complaints. Submit the evidence of violent collection to the platform customer service to see how it will be handled inside the platform. If we can stop collecting, this is one way.

Third, strive for the time to delay repayment with the platform customer service. We can complain internally, and at the same time, we can ask the customer service for a delay in repayment. As the saying goes: if you go on like this, you can't afford a penny.

Fourth, collect evidence of illegal operations such as platform violence collection. Although it is slow to solve things through third-party complaints, we can't give up the method of active rights protection. As long as you keep complaining, it will be effective one day.

Fifth, be honest with your family. After confession, we can make two preparations. On the one hand, you can let your family change their numbers and avoid being disturbed by endless collection. On the other hand, if the family conditions are good, the family will help us pay back the money. We can also negotiate with the collection, and the repayment is a little less.

In addition, some people may not believe that they have to report to the police in case of violent collection, but the legal basis of the roommate incident is that Article 42 of the Law on Public Security Administration Punishment stipulates the punishment of "interfering with the normal life of others".

Paragraph 5 of Article 42: Sending obscene, insulting, threatening or other information for many times to interfere with the normal life of others.

Administrative punishment: detention for less than 5 days or fine for less than 500 yuan; If the circumstances are serious, they shall be detained for more than 5 days 10 days, and may also be fined up to 500 yuan.

Usually, the actor sends obscene, insulting, threatening and other information repeatedly, or after his behavior is reprimanded or rejected, or after others fall asleep at night.

So if you encounter these situations, remember to take timely measures. If you give it to the police, it is necessary to accept them.