Dunning Process of E-commerce Loan of Ping An Puhui House

The collection of Ping An Pratt & Whitney covers the M0-M3 stage, and the overdue period is only 80 days, and the overdue month is M0 stage. Until 80 days overdue, the performance guarantee insurance claim will be activated after 80 days overdue. Only Ping An Property & Casualty will pay the full principal and interest for the lender first, and after compensation, Ping An Property & Casualty will get the right of subrogation, and the creditor will change to Ping An Property & Casualty, so Ping An Property & Casualty itself will not be collected, so it will entrust an outsourcing company to collect it. Common outsourcing companies include Zhong Shi Credit, Hunan Chengwei (a subsidiary of Hunan Yongxiong Group), Hubei Cigna, Qin Wei Science and Technology, and Guangdong Mutual Financial Services Law Firm (a collection company under the name of a law firm).

The first month after the deadline is the M0 stage, and the common collection and pressure methods in the M0 stage are: contact pressure, credit information pressure, penalty interest pressure, forced settlement pressure, deduction center pressure and supervision pressure.

Specific example: contact pressure (XX loan is overdue at present, please return it before XX, if the account has not been verified before XX, it will be handed over to XX department to call a contact person to assist in repayment, and all the consequences arising therefrom will be borne by me! )

Credit information pressure (similar to the above, the account before XX was not verified, and the credit information record of the People's Bank of China was uploaded, which was irrevocable in the future. At the same time, the concept was confused, which became the result of the person who was untrustworthy, and it was forcibly linked to overdue credit information, saying that it would affect flying and high-speed rail. Restricting high speed affects children's employment, study, and applying for civil servants. And use some ignorant customers to exert pressure)

Penalty interest pressure, forced settlement pressure, and deduction center pressure (the three are used together, and at the same time, WeChat or MMS sends a forced settlement letter/overdue notice, etc. , similar to the above. If the account has not been verified before XX, it is not excluded that the deduction center will arrange staff to go to work, address and residence to actually investigate the repayment ability. If it is determined that the lender has no repayment ability or insufficient repayment ability, the loan contract will be terminated. Cancel the qualification of installment, and demand a one-time compulsory settlement of the loan amount, and at the same time add 10-30% as penalty interest, and bear all consequences arising therefrom. )

If there is pressure during the supervision period (the repayment of XX loan is less than six periods, that is, the period of bank supervision is within six periods, and it is overdue for more than three days in a row, and litigation procedures will be taken; If it is less than 12, it is said to be within 12; If it is less than 18, it means it is within 18; If it is less than 24 issues, it is said that it is free of charge for 24 issues)

Identification of Ping An Pratt & Whitney SMS Collection: 1. Any short message starting with 106, as long as it contains the contents of "phone number" and "unsubscribe back to T", is edited by the collection practitioner. The authenticity of the short message is all false, belonging to pressure short message, so don't add my private message; 2. 106 SMS is a commercial service SMS, and there is no specific reporting object, so it can only be intercepted; 3. 106 SMS prefixes are all edited manually, and government departments have a special SMS system for notification. For example, the court notifies the SMS through the 12368 system, and the government department notifies the SMS at the same time. The prefix must be the whole process, indicating the region; 4. Any name or region is incomplete, and it can never be a short message from a government department or other institution, such as the prefix of the Credit Information Center of the People's Bank of China. Such an organization is neutral, only records data, and does not send text messages for collection. If you send it, it must be counterfeit money; 5. Any short message containing the words such as negotiated relief, principal, overdue, etc. , must be given to the collector!

Finally, add one point. The waiver of Ping An Pratt & Whitney must be signed. Remember, any application for relief after repayment is a collection routine, and the application for relief must be signed before repayment.