Loans overdue, what should I do if I send her a text message to collect money at home?

As we all know, if the loan or credit card is overdue for a long time, the lending institution will collect it, first by text message or telephone, then by door, and even by sending a lawyer's letter. I believe that many people have been urged to collect, especially online loans. This is called violence. In contrast, bank collection is much milder. Here, Bian Xiao will tell you about the requirements of bank door-to-door collection and related matters needing attention, hoping to help you.

Specific requirements for bank door-to-door collection

1. Banks overdue for more than 30 days will come to collect loans.

If the overdue period is less than 30 days, and the amount is relatively small, the bank will generally only collect the money and inform the borrower to repay. If it is more than 30 days, it will be collected at home. However, the bank staff only ask you to sign a "loans overdue Collection Notice" to know your actual situation, including the repayment source and willingness. If you still don't pay back, proceed to the next collection.

2. Relevant requirements for collectors

The general standard practice is that two people come to collect money and conduct corresponding investigations. Of course, the staff should show the corresponding ID card and work permit to prove their identity. In addition, the loan contract and bills of default on principal and interest will be presented.

3. Prohibitive provisions on collection

It is forbidden for the collection personnel to collect the borrower's cash or bank card. The purpose of this is to prevent customers' funds from being misappropriated and corrupted. Even in the process of door-to-door collection, the borrower intends to repay, and he can only go to the bank counter to operate the repayment himself.

If the staff collect cash or bank cards for various reasons during the door-to-door collection, they should be careful. This kind of staff is either a liar or a staff member with ulterior motives.

Having said all this, I'm not teaching you to fight against collection, but sharing some details of door-to-door collection to avoid being cheated by friends. But friends should never use this as an excuse to avoid collection and refuse to repay. There are two main purposes for bank staff to go to the door to withdraw money: 1) to obtain prescription evidence; 2) Understand the real situation and repayment willingness of the borrower. If you have the ability to repay, I will remind you to repay as soon as possible. If the bank is unable to repay or evade the debt, it will take further collection action.

As a borrower, we must understand that "it is natural to pay back debts" and "it is not difficult to borrow again when something happens" and actively fulfill our repayment obligations. At the same time, remember not to trust others, give cash or bank cards to avoid being cheated ~