Will the buds come to visit in 0/5 days after they are overdue/kloc?

If the flowers are out of date, will they come to visit?

Generally, we don't visit and investigate the flowers, but Alipay will send messages and call customers to remind them of repayment from time to time.

And if the customer is overdue for too long, and the amount of arrears is relatively large, Alipay has not responded to repeated reminders, and even can't contact anyone, there is still the possibility of being sued.

Generally, if the overdue time exceeds three months, you have the right to sue. Although Alipay will not easily sue in real life, customers should pay off overdue debts as soon as possible. After all, overdue will cause serious adverse consequences.

Even if you are temporarily unable to repay, you should not run away directly. It is suggested that customers take the initiative to contact Alipay customer service to negotiate, and they can try to apply for extending the repayment period and repay the arrears in installments.

As long as the customer makes it clear that he has not enough repayment ability for the time being, provides relevant information to prove it, and expresses his willingness to repay actively, Alipay will generally consider it as appropriate.

If so, the customer can negotiate a new repayment plan, and then repay in installments on time according to the new plan.

The full name of flower bud is ant flower bud, which is a consumer credit product launched by Ant Financial. After the application is opened, you will get a consumption quota ranging from 500 to 50000 yuan. When spending, users can prepay the amount of ant flowers and enjoy the shopping experience of "spending first, then paying".

On August 4, 20 16, the Ant Flower Garden Consumer Credit Asset-backed Securities Project was listed on the Shanghai Stock Exchange, which is also the first ABS of Internet consumer finance on the Shanghai Stock Exchange.

By June of 20 18 and 1 year, Ant Financial has voluntarily increased the capital of two small loan companies by 8.2 billion yuan, and the registered capital has increased from 3.8 billion yuan to/kloc-0.2 billion yuan. On May 6th, 2008, Bai Hua announced its opening to banks and other financial institutions.

202 1. 9. 22 It is reported that the flower buds have been connected to the central bank's credit information system, and users can't use them if they refuse to access them.

Users can prepay the amount of ant flower buds at the time of consumption, and make repayment on the 9th of the following month after receiving the goods. The longest interest-free period can reach 4 1 day. In addition to the consumption experience of "buy this month, pay it back next month, and it is super long and interest-free", Ant Flower Garden has also introduced the function of flower garden staging, and consumers can repay the money in 3, 6, 9, 12 months.

The 9th of each month is the repayment date of Bai Hua, and users need to pay off the generated Bai Hua bill on the repayment date. On the due repayment date, the system will automatically deduct the balance of Alipay account, Yu 'ebao (with the function of withholding Yu 'ebao) and fast payment by debit card (including one card) in turn to repay the outstanding part of the bill. You can also take the initiative to repay. In order to avoid overdue, please ensure that the amount of Alipay account is sufficient. If it is overdue, a late fee of 0.5% will be charged every day.

On 20 1 811June12nd, the new function of AliPay App announced that the Bai Hua deferred repayment function would be fully opened on1June/February1day. To put it simply, the extension of the flower garden is equivalent to a simple transition, which can alleviate the repayment pressure of the pickpocket party to a certain extent.

On July 30th, 20 19, Alipay began to make an appointment to adjust the billing date and corresponding repayment date in Bai Hua: users who have signed a contract in Bai Hua for more than one year can enter the setting of Bai Hua-My repayment date after passing the system evaluation. Users can now choose to repay on June 5438+05 or 20, and the billing date will be adjusted to June 5 or 10 accordingly.

Will the flowers be investigated when they are overdue at home?

No, Ant Financial will not send someone to investigate directly after the flowers are overdue. Mainly by sending messages, calling and other ways to urge customers to repay. If you can't contact the customer, you can also contact the emergency contact person according to the information provided by the customer when opening a registered account and submitting a loan application to inquire about the customer's recent situation, so as to achieve the purpose of dunning. If the customer's overdue time is really too long, and the amount of arrears is large, Ant Financial has failed to respond to repeated reminders, it can still bring a lawsuit to the court and let the customer repay the loan through legal channels (generally, if the overdue time exceeds three months, it has the right to sue, but it will not be easy to sue because the lawsuit takes a lot of time and energy).

Legal basis:

Article 196 of the Criminal Law of People's Republic of China (PRC) commits credit card fraud under any of the following circumstances. If the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;

(2) Using an invalid credit card;

(3) Fraudulent use of another person's credit card;

(4) malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.

Will Alipay flowers come to your door after the deadline?

Fake, a collection method

Many people are afraid to come to the door, but it seems that it is going to rain and mom is getting married. No one can stop the objective development of things.

I have many customers who have been visited. The more formal the platform, the higher the door-to-door rate.

For example, banks, merchants, Societe Generale and Guangfa all like to come to their homes.

For example, formal collection companies such as Alipay and micro-loan outsourcing also like to come to you.

Go door to door and look at four key factors.

1, how much is it?

2. How long is the overdue period?

3. Whether the attitude is correct.

4. Is the platform formal enough (online loan or bank)?

Large amount, overdue for more than half a year, not contacting the platform for a long time.

In a certain probability, the possibility of going to the door is close.

If you have a positive attitude, I think it will also reduce the probability of coming to you.

After all, you have no money to pay back, but you really have no money.

Does the amount have anything to do with the door-to-door visit? Yes, but it doesn't mean that the amount 100% won't come to the door.

Because the door does not come to the door, it depends entirely on the mood of collection.

For example, where you live, the transportation is very convenient, and they happen to have a large debt near you.

It is understandable to drop by your house.

My clients have sent lawyers' letters and been visited, but the amount is generally at least 50 thousand.

Personally, I suggest that those who are afraid to come to the door for large debts should talk quickly and make plans to pay off their debts.

If the other party forcibly comes to the door, no problem, but follow the process.

You can make your own demands:

For example, if you don't want to meet at home, make an appointment.

For example, don't make public loudly, just like meeting friends.

For example, it is reasonable to ask the other party to make all the door-to-door preparations.

For example, if you don't want to come to the door, negotiate quickly.

I think you have to work hard on many things first.

Otherwise it will be very passive.

One of my clients was 280 days overdue and didn't communicate with Alipay by phone.

How can this work? I want to negotiate later. If people don't agree, you can't refute it.

In a word, I asked you why you didn't answer the phone for 280 days. Is it a malicious escape?

So I took the initiative to communicate and negotiate with the platform.

Afraid of the solution to a thing, either escape or face it bravely.

I'm Daddy Peanut, the investment director of the real estate company.

After 90, I want to step into the sky and live something for others to see. Without financial knowledge, he used leverage to make financial investment, and lost nearly 3 million in seven years (including the loss of selling real estate at a low price). At present, the debt amount is 654.38+0.36 million.

At first, I didn't dare to face my debts at all. I don't know if it is 1.5 million or 2 million. I am afraid of it.

The more contradictory, big data seems to know that it has been pushing various debt topics, which is desperate.

It's not the way to be an ostrich until I pick up a pen and paper and carefully calculate the amount of each platform.

On 2021September 10, Teachers' Day, the compulsory landing began.

From helplessness, despair, confusion, anxiety and fear at that time to now, it took only two months to face it calmly and work hard.

I suggest my friends read carefully how I climbed out of the abyss bit by bit from the debt of 6.5438+0.3 million.

Please give me a compliment and let more people see it.

Friendly reminder:

Only I can communicate with the financial platform and exchange time for space. One year is not over yet, and five years will be over.

Don't let others say what you can say. Be careful when choosing a third-party company.

After all, the person who knows your own situation best is yourself, and you are responsible for the debt. Only in this way can you negotiate with the organization, strive for the greatest benefit, reduce more interest expenses and strive for the longest time.

Ant flowers and IOUs are overdue, will they come to the door?

1. No, Ant Financial will not send someone to investigate directly after the flower buds and borrowing buds are overdue, because the amount of ant borrowing buds is generally low, ranging from several thousand yuan to ten thousand yuan at most, and Alipay has other restrictions to urge users to repay. Mainly by sending messages, calling and other ways to urge customers to repay. If you can't contact the customer, you can contact the emergency contact person according to the information provided by the customer when opening a registered account and submitting a loan application to inquire about the current situation of the customer, so as to achieve the purpose of dunning. Some users said that ants borrowed money for a long time, and then there may be a phone call, or even contact family and friends in the address book, which may authorize a third party to collect the company. In short, it is right to pay back the money as soon as possible.

2. If the customer's overdue time is too long, and the amount owed is large, and Ant Financial has failed to respond to repeated reminders, it can still bring a lawsuit to the court, so that the customer can repay the loan through legal channels (generally, if the overdue time exceeds three months, it has the right to sue, but it will not be easy to sue because the lawsuit takes a lot of time and energy). Therefore, even if the borrower does not repay the loan, Alipay will not sue and will not come to the door for collection. It is more likely that the title punished the borrower. For internet finance, it may be more serious than door-to-door collection. Alipay has many credit businesses. Once ants borrow money and don't pay it back, these quotas and permissions may be frozen and can't be used any more. It can only be restored after repayment. As a well-known financial platform in the industry, Alipay may lose its credit and many functions may not be available, which is really a pity.

3. It is suggested that customers should make repayment as soon as possible when receiving the repayment reminder text message or phone call. As long as the arrears are paid off in time, Ant Financial will naturally stop dunning. And if the customer can't finish it for a while, he can take the initiative to contact customer service to negotiate an extension. After the user is overdue, it is recommended to repay as soon as possible, and the repayment pressure will gradually increase. Once the overdue situation is caused, the platform will collect overdue penalty interest on a daily basis, and the penalty interest will gradually accumulate to a large amount until the user pays off the arrears. After Huayuan's overdue loan, personal credit will be damaged, and the use of products on the same platform will also be affected, such as reserve funds. If the situation is serious, even the reserve fund will be closed directly.