Is it true to send a text message to your door after the online loan is overdue?

Is it true that online loans are collected at home?

Under normal circumstances, the short messages sent to the door by the online lending platform are basically fake. Because the cost of door-to-door collection is relatively large, in most cases, the composition of the routine is relatively large. So why don't most of his platforms choose to collect money at home?

First of all, the loan amount of some big platforms is also relatively high. They won't negotiate with you first, whether you are able to repay it or not. They will choose to sue and take legal channels instead of collecting them at home.

The second way is to collect at home at a certain cost. If you send some disgusting news to the address book, you still can't repay it at this time. In fact, they know in their hearts that you don't have any money now. Even if he collects it at home, they first have their own fare and fuel costs, including the cost of hiring some people. Then they may not be able to make a dunning after they come, so they won't do such a thing.

However, credit cards and online loans will be collected if they are overdue. It is best not to overdue easily, which will not only be harassed by collection, but also affect your personal credit information and cause credit stains. It takes five years to "wash the white" after paying off the debt. If you don't pay it back all the time, the credit stain will accompany you all your life.

The consequences of loans overdue:

1, affecting personal travel

If personal credit records are blacklisted, for example, if there is malicious default on bank loans, they will be prosecuted by banks. It will prevent borrowers from flying and staying in star-rated hotels.

2. Affect employment

Some companies will conduct background checks before employees join the company. If they find a bad credit record, they may think that this person has integrity problems and refuse to let him join the company.

3. Affect children's education and daily life.

If parents are included in the list of untrustworthy people, some schools that need political examination may fail to pass the qualification examination of their children, which will more seriously affect joining the army, applying for military schools, and taking exams for civil servants, institutions and state-owned enterprises.

Small partners who don't know their credit information only need to pass: quick card inspection. You can check your personal credit score and find this WeChat applet. The data comes from online lending platforms and UnionPay all over the country. Users can query their own big data and credit status, obtain various index data, and query their own personal credit status, blacklist, online loan application record, application platform type, online loan credit line estimation and other important data information.

Is it true that online loans are overdue to send text messages saying that they want to come to the door?

It is generally not true that online loans send text messages to the door after the deadline. Regular lending institutions will not take the more radical collection method of door-to-door collection. Even if a third-party agency collects fees, it is laborious to collect fees at home, and it is not compliant. This collection method is generally not used.

Of course, even if the online loan is overdue, it will not be collected at home, but customers still have to bear more serious overdue consequences after it is overdue.

The online loan is overdue and the phone is not answered. Is it true that you sent a text message saying you were coming to the house?

The online loan is overdue and the phone is not answered. It may be true to send a text message saying that you are coming to see the house, because we don't know the details of the lender on the online loan. If it is a formal platform, you can sue and apply to the people's court for compulsory execution. If it is an informal platform, you may violently collect money, harass people around you, call neighbors, colleagues and friends, and even do something illegal. These are all possible.

First of all, the online lending platform is more complicated.

Although loans have to be audited by regulatory agencies, after the development of the Internet, with the change of people's consumption concept, more and more people tend to spend in advance. In addition, the speed of online loan approval is wider and the amount is higher than that of offline loan approval, so many people tend to apply for loans online, but we can't guarantee that the loan platform is formal.

Second, online lending needs to be cautious.

When we apply for loans online, we must be careful. First of all, we don't know the details of the lender. In addition, reviewing the loan contract needs careful consideration, because for many people, reviewing the contract is not their own strength, so if we are not careful, we will fall into the trap of some people. This situation is not worth the loss, so online lending must be cautious.

Third, we must repay the loan in time. ?

Whether it is an offline loan or an online loan, we must repay it in full and on time, so as not to cause unnecessary losses to ourselves. No matter what the amount of your loan is, you must repay the debt. Formal loan platforms will collect credit information, and informal loan platforms will have various problems such as violent collection. Therefore, after we borrow money, we must repay it in full and on time to avoid unnecessary troubles and losses.

Is it true that the online loan sent a text message saying that it was a home visit?

Some of them are true, and the local people will send them to the village Committee for verification, but the village Committee has no obligation to help them verify. If the online loan is overdue, they can negotiate. If the customer service has a bad collection attitude, they can complain on the Internet finance website in China. If you really don't pay, leave it alone, bury your head in making money and pay it back when you have money. Come on, debtor.