What the hell is the collection routine such as online intermediary?

This is not a collection routine. If you find your case in multi-party mediation, then simply go to court to sue you.

In fact, the platform also wants to sue you directly, omitting the pre-litigation mediation step, and the platform does not want to take the pre-litigation mediation step! going and coming ...

In the case of small loan disputes, the court advocates that the plaintiff and the defendant mediate before the lawsuit. If both parties can mediate the repayment, then the judicial resources can be left!

If both parties can't reach an agreement on repayment, then after mediation fails, the court will accept the case and arrange a court session!

So here is: "pre-litigation mediation, prosecution and other keywords to answer relevant knowledge for everyone!"

1, how long is the pre-litigation mediation?

There is no time limit for mediation. Usually 15 days.

The court mediator will call the debtor (defendant) within 1-3 working days after receiving the court pre-litigation mediation message, asking about the debtor's situation and informing the debtor's platform (plaintiff) of their demands and meanings!

If the debtor has the willingness to repay and doesn't want to be sued, then he should actively participate in mediation and explain his situation and personal demands to the mediator!

The mediator will convey the debtor's situation and demands to the platform!

Note: mediation = negotiation!

But don't say anything about deferred payment. The platform has sued you. Do you think the platform may give you an extension? If the platform is willing to give you an extension, it will not go to court to sue you!

So emphasize deferred repayment = give up mediation!

Although the court advocates mediation between the two parties, as long as one of them (plaintiff and defendant) explicitly refuses mediation, then the court will not insist, but according to the plaintiff's demands. Accept the case and arrange a trial.

2. What will happen if mediation fails?

After the mediation fails, the mediation failure will be displayed on the multi-link mediation. ...

The general situation is as follows ...

Then the mediator of the court will send a letter to the debtor (defendant)

"Application for judicial confirmation"

The general situation is shown in the figure below. ...

This mediation agreement actually has no special significance. ...

Is to ask you to confirm the result of mediation failure. ...

After all, the process of the court still has to go!

If both parties can reach an agreement on repayment, they will sign a mediation agreement. Then after the court gets mediation, it will allow the platform to withdraw the lawsuit! )

Then as long as the repayment plan is confirmed, ...

The platform attorney will come forward to sign a Civil Mediation, and the debtor will pay the legal fees in 50 yuan!

The general situation is shown in the figure below. ...

3. What will happen to me after being sued?

This question is actually very complicated!

Because it depends on the actual situation of the debtor! Also depends on how the court operates! It depends on the attitude of the platform!

However, the general results are as follows:

1, after the judgment of the court, the payment account under the debtor's name will be frozen by the judicial organ. (For example ... bank cards, salary cards, Alipay and WeChat wallets can't be used normally! )

The general situation is shown in the figure below. ...

2. If there is a real estate under the name, the platform will apply for enforcement, and it will be sealed up by the court and auctioned on another day!

The general situation is shown in the figure below. ...

The picture above shows that a fan friend was seized by the court and auctioned another day, but it has been settled with the bank, and the house has been saved! And signed an "execution settlement agreement" with the bank!

3, the court will decide whether to include the debtor in the list of untrustworthy people according to the actual situation of the debtor or according to the demands of the platform, and limit the debtor's high consumption! (This is more complicated. )

4. After being judged by the court, there is no money to pay back. Do you want to go to jail?

There are cases of detention 15 days. ...

Ordinary people have the most contact, which is actually divided into the following two situations:

1, long-term loss of contact and no repayment behavior. Detention 15 days!

2, if you have money, you will deliberately not pay it back. Detention 15 days!

Others do not cooperate with the court's enforcement. Those are too literary, so I won't say it ... if you are interested, you can search for it yourself!

Finally, let's talk about it again ...

2023 is the era of legal dunning. The probability of suing debtors with overdue debts in 2023 is about 80%!

Don't negotiate blindly!

Or hurry to find a doctor and find someone else to help negotiate! Entrusted debt!

Because the policies of major online lending platforms have changed a lot!

Even if you negotiate with the platform today, you will be sued by the platform tomorrow, which is normal!

So you spend a lot of money to find someone else to entrust the debt and help negotiate. Isn't that pure money being cheated?

If you have to negotiate, call the platform yourself, talk to the platform yourself, and negotiate repayment!

There are a few fan friends. When I talk to them, I can hear them say happily, "I will communicate and negotiate with the platform myself!" "

So there is really no need to ask others to help negotiate!

The consulting agencies on the market are too deep, and most of them are big fools! Pure deception!

Be careful not to be cheated!

Maybe the negotiating agency said, "Your debt is settled"!

But in a few days, you were sued by the platform!

This situation is also very common!

Just a reminder!

There is also the point of exploding the address book!

At present, the regulatory authorities have great supervision over collection agencies and major online lending platforms, and more than 90% of online lending platforms dare not easily explode the address book!

Because as long as this kind of violent dunning behavior occurs, then the outcrop will be caught by the relevant departments!

So don't worry too much about being exposed in the address book after the deadline! Major platforms will be more inclined to notify emergency contacts!

But! ! !

With 1% informal and niche online lending platforms and collection agencies, they will still take risks to explode the address book!

Only this probability is very low!

Regarding prosecution:

In fact, being sued is not as serious as everyone thinks, because mediation runs through the whole litigation process! As long as the court has no formal judgment, it can mediate with the platform!

Mediation = negotiation!

The general meaning is: "Even if you are sued by the platform, you can mediate with the platform and negotiate repayment!"

So work hard to make money and try to save enough money to pay back the arrears as soon as possible!