Polite and embarrassing repayment reminder (how to hint at collection without losing courtesy)

As a loan collector, it's really difficult. I was scolded as soon as the phone was connected, and I didn't even have time to talk. If the customer is merciful and doesn't hang up the phone immediately, he will be moved to tears. Take the time to persuade customers to repay as soon as possible. The scene was awkward and stiff, because I could only hear your Balabala ... and then I'll summarize the common words collected in recent years.

According to different customers' personalities and different reactions, our words are different. Please refer to the following:

The client said there was not enough money this month, so next month.

Speech: X/ Mr./Ms., you have seriously violated the contract now. If you continue to delay the repayment until next month, the overdue fine will only increase, which will have a very serious impact on your personal credit information, including your future house purchase, loan, children's education and children's career prospects. I suggest you deal with the repayment quickly.

The client said he didn't find a job and had no income.

Speech: Mr./Ms. X, we can't wait until you get a job and get paid. Late payment will only lead to the accumulation of late fees and bad credit records. I hope you understand that. I suggest you raise money from friends and relatives first, make repayment and pay it back later.

The client said that you should stop pushing, and I will try my best to turn around.

Speech: Please make good use of the time given by our company, otherwise you will be at a disadvantage in both your personal credit and the collection process that the company will carry out for you next. This matter has reached the point where it can't be delayed any longer. No matter what you think, you must return the money. We can't give you any more time, so please hurry these days.

The customer said that he would pay back if he had money, but now he has no money.

Words: Mr./Ms. X, it is still impossible to wait until you have money. If you are sincere in paying back some of the funds first, I will apply for a few days' grace for this. You must borrow money from relatives and friends through other channels and repay it as soon as possible.

The customer promised to repay the loan, but it has not been handled for a long time.

Speech: Our phone calls have been recorded. If you continue to delay the repayment, we can regard you as a malicious delay, suspected of fabricating the repayment facts. According to the relevant regulations of the company, we may hold you responsible for the second breach of contract (cancellation of installment repayment, compulsory settlement, etc.). ).

Speech: You are now X days overdue. If you breach the contract for x days, we need to hand it over. Your case is handled by a colleague in the legal department, and all the consequences are borne by you personally. We will not be responsible for any impact on your life.

Speech: Mr./Ms. X, you broke your promise to pay back many times. Please understand that you are in serious breach of contract, and the situation is not optimistic, which makes us have to doubt your integrity. We won't urge you to repay again and again, but we don't rule out your fraud and fabrication of repayment facts. If you have the money to repay, please deposit it into the repayment account immediately. If you don't have the money, you must borrow money from other channels or from relatives and friends, and get rid of the debt immediately.

The customer has no sincerity in repayment and is a rogue.

Speech: Mr./Ms. XX, your repayment attitude is so perfunctory. Here, I emphasize to you again that you have no right to limit the agreement that our company signed with you at the beginning. You are now in a state of default. If you ignore our phone call asking you to collect money, then we can only collect money in another way. We will probably collect money from your account at home, because you are overdue, but you simply ignore the notice from our company. It seems necessary for our company to send colleagues to communicate with you face to face.

The customer refused to answer the phone

Voice (SMS template): You haven't answered our phone for a long time. If you have financial difficulties or other reasons, please call a spade a spade and we will try our best to coordinate. If you don't answer the phone, we will contact your relatives and friends, or visit your family or unit, and even think that you want to avoid debt. Please understand and weigh the adverse effects.

Customers often travel and don't go home.

Speech: You are late. Please understand this. Repayment can be made through various channels. You don't have to deposit it in the designated account yourself. You can arrange for your relatives or friends to save it for you first. It is your responsibility to repay on time, which can not only avoid penalty interest, but also maintain repayment credit. Although it is troublesome, it is also for your immediate interests. Please make repayment as soon as possible.

The above is a general summary of the words received in several situations. It will vary from person to person in most cases. Based on the actual situation, people who compete with customers for benefits, once they have caused huge losses to their own interests, their hearts will be shaken and there will be hope of repayment!

Do you have any different views on the views of the landlord? Welcome to leave a message for discussion.