What should I do if China Merchants Union Financial comes to collect overdue debt?

There is no fixed time for how long Merchants United Financial will come to your door after the due date. Generally speaking, you will not come to your door immediately after you are overdue. Merchants United Financial will first collect the debt through phone calls and text messages. If you cannot be contacted, , will call your relatives and friends. If you still can't be contacted, China Merchants Union Financial will probably come to collect the money. Generally, door-to-door collection needs to meet the following conditions:

1. The overdue time is long.

2. The overdue amount is large.

3. Malicious default or non-repayment.

Consumer finance companies are different from private cash loans. They are jointly funded and established by banks and other financial institutions. The China Banking Regulatory Commission will set strict regulatory standards, so it is very strict during the review and will check the credit report of each user. , if the loan is overdue, the credit report will definitely be filed.

When you receive a collection call, you must stand firm. Overdue debts will definitely be paid, but do not harass you with phone calls or explode your address book, otherwise you will not be able to pay back a penny. You can negotiate a definite repayment with them. time, in this case the other party may not harass you on the phone anymore; if you are dealing with a loan shark product, you can calculate the interest, handling fees and other comprehensive rates by yourself. If the various handling fees, platform fees, membership fees, etc. add up to far Far more than the legal interest, then you can send relevant contracts, agreements, chat records, harassment screenshots to the Banking Regulatory Commission for complaint; if you encounter phone abuse threats, bombing of address books, mass posting of P pictures, etc., you can keep the recordings, text screenshots, and send them to the Banking Regulatory Commission. Report the case to the police station; if the overdue loan sharking fee is too high, you can choose to sue to the court. The court will calculate this. You do not need to pay the interest that exceeds the national regulations, and you can also ask for it to be refunded to you.

After the payment is overdue for more than 60 days, China Merchants Union Financial will inform the debtor that the debtor may be sued. As for when to formally prosecute, it depends on everyone's specific situation. Some will be later, some will be earlier, and some will not be prosecuted. Therefore, it is more dangerous if you are overdue for more than 60 days.

In order to prevent China Merchants United Financial from suing, we used reasonable methods to solve the problem instead of dragging out the repayment. A more reasonable method is: when being collected by China Merchants Union Financial, you should actively communicate with the staff, explain your actual situation, and apply for an extension of the return of the debt; if you are indeed unable to repay, explain your situation to the other party. The actual situation and provide evidence that you are unable to repay; after the two parties have negotiated a new repayment plan, do not go back on your words and repay the money in strict accordance with the agreed plan.

Judging from past experience, if you can communicate candidly with China Merchants Union Financial, the probability of being sued is still relatively small. Therefore, learn to deal with it in the right way.