Joke Collection Website - Public benefit messages - Small loans, such as 18 thousand, how can people collect them if they don't pay them back? Thank you very much.
Small loans, such as 18 thousand, how can people collect them if they don't pay them back? Thank you very much.
1. Telephone and SMS: Online lending companies usually remind borrowers to repay their loans on time by telephone and SMS, and the frequency may gradually increase.
2. Reminder letter: If the borrower fails to repay, the online lending company may issue a formal reminder letter, asking the borrower to repay, and warning that legal action may be taken.
3. Call for dunning: In some cases, in order to strive for repayment, online lending companies may send staff to the borrower's home or work unit to call for dunning.
4. Credit record damage: Failure to repay on time will lead to personal credit record damage, which may adversely affect the borrower's application for other loans and credit cards in the future.
5. Outsourcing collection: If the borrower defaults for a long time, the online loan company can entrust the debt to a third-party collection agency for further collection.
It should be noted that the collection measures of online loan companies are restricted by relevant laws and regulations in China, and they cannot be collected by threats, intimidation, violence and other illegal means. At the same time, borrowers also have the right to know their credit status and loan records, and can obtain personal credit big data reports and inquire about relevant information in Eagle Heart Quick Search.
Summary: If the small loan is not repaid, the online loan company will collect it by telephone, SMS, email, etc. , may lead to personal credit damage. Borrowers can check their credit reports and know their credit status.
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