Online loan overdue response collection skills?

After the online loan is overdue, what should I do in the face of collection calls?

First of all, answer directly.

If the online loan is overdue, you must communicate with the lending institution in time to see if you can apply for deferred repayment or reduce some penalty interest, and you need to actively communicate with the platform.

Second, the specific analysis

Of course, you can also borrow money from relatives and friends, and pay back the overdue loan first, so as to avoid further expansion of overdue influence.

After the online loan is overdue, you need to bear the following consequences.

1, credit will be hurt.

2. It will be collected by the platform.

3. Penalty interest will be calculated.

4. The loan amount will be reduced.

5. The loan amount may be frozen.

6. Affect other loan applications.

7. Occupation is affected by credit information damage.

8. Will be blacklisted.

9. Affect children's further education.

10, unable to enjoy preferential loan policy.

It can be seen that loans overdue has a great influence on loans. After the loan application is successful, you should still remember to repay it on time.

Don't pin your hopes on deferred repayment or negotiated repayment, because some lending institutions don't support it.

Before formally applying for online loans, you need to carefully consider your own economic strength and borrow reasonably on the premise that your income can cover your loan expenses.

You can get the online loan big data report from the platform of "Xiaoqi Credit Information", which contains information such as online loan history, overdue details of online loans, liabilities, untrustworthy information, and online loan blacklist.

Third, how to negotiate if the online loan is unable to repay after the deadline?

If the online loan cannot be repaid within the time limit, it is recommended to take the initiative to explain to the platform customer service that you are temporarily unable to repay, and prepare relevant materials to prove that you did not intentionally repay, and then try to apply for an extension of the repayment period and repayment by installments.

The platform should be considered as appropriate. If it finally agrees, it can negotiate a new repayment plan with the platform, and then repay in installments on time according to the new plan.

However, the platform may also refuse. If negotiation fails, we can only find another way, such as trying to borrow money from family and friends around us.

What everyone needs to pay attention to is that some online loans are informal and may be deliberately charging high interest. Once you find that your online loan has reached the standard of usury, you can actually choose not to pay back the fees beyond a reasonable range.

If the platform keeps dunning, it can also collect relevant evidence and report it to the local CBRC or China Internet Finance Association.

The best way to deal with overdue online loans

1, say hello to friends in the address book in advance. Instead of letting collectors embellish and discredit you in front of your address book friends, it is better to confess yourself and tell your friends not to answer strange calls, so as not to collect your address book friends inexplicably.

2. Internal complaints. Submit the evidence of violent collection to the platform customer service to see how it will be handled inside the platform. If we can stop collecting, this is one way.

3. Strive for the time of delayed repayment with the platform customer service. We can complain internally, and at the same time, we can ask the customer service for a delay in repayment. As the saying goes: if you go on like this, you can't afford a penny.

4. Collect evidence of illegal operations such as platform violence collection. Although the efficiency of solving things through third-party complaints is very slow, Kui Chan can't give up the method of active rights protection. As long as he keeps complaining, it will have an effect one day.

5. Confess with your family. After confession, we can make two preparations. On the one hand, you can let your family change their numbers and avoid being disturbed by endless collection. On the other hand, if the family conditions are good, the family will help us pay back the money. We can also negotiate with the collection, and the repayment is a little less.

Once the borrower fails to repay the money on the online loan within the time limit, the collector will take this opportunity to coerce the borrower to repay. If the borrower doesn't repay the loan, it will harass the contacts in the address book and even threaten the P group. Many borrowers can't accept such consequences. The above methods can minimize the damage.

In addition, some people may not believe that someone caught by violence will report to the police for vacuum cleaning, but the legal basis of the roommate incident is that Article 42 of the Law on Public Security Administration Punishment stipulates the punishment of "interfering with the normal life of others".

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What should I do after the online loan is overdue?

Coping methods of telephone collection are: coping style, door-to-door collection, telephone collection is also the most commonly used collection method, take the initiative to complain and notify colleagues.

1, coping methods.

Complaint acceptance, clue transfer and information statistics of bad and junk information in information communication networks such as telephone networks. You can complain by phone, at least to some extent, to curb this spam message.

2, door-to-door collection.

Most of them are done by the third-party outsourcing team, which is usually called door-to-door collection, and there are two situations. The first is to visit regularly, including sending letters, looking for relatives and friends, looking for leaders, and exerting pressure through relevant personnel. Regular door-to-door collection will basically bring mobile phones, cameras, contracts and other materials, and some may even bring lawyers. Basically, employees of the company go to the door directly to understand the situation, and there will be no excessive collection behavior, mainly causing psychological pressure on debtors and their families, but these are within the scope of legal compliance.

3. Telephone collection is also the most commonly used collection method.

Because its cost is relatively low. Telephone is generally divided into three types: VoIP, fixed telephone and mobile phone without real name. Internet phones can't be dialed back, and the numbers are all over the world. On the phone, Xiao Cui will use all kinds of tricks, both soft and hard, and even irritate you, deliberately inducing you to talk about malicious debts.

4. Take the initiative to complain.

You can directly contact the online loan customer service to complain that it is illegal to call the company without losing contact. If the collection insists on calling, you can only go to the relevant institutions.

5. Inform colleagues.

It's easy to call for your company's phone number, and you can't stop it. You can tell your colleagues who answer the phone in advance that if someone asks for you, they have left their job or let them ignore it.

How to communicate with the collection when the online loan is overdue?

First of all, answer directly.

Overdue calls from online loans can be handled in the following ways.

Second, the specific analysis

1, keep your mobile phone open and answer it at any time.

Never refuse to answer the phone when the online loan is overdue, otherwise it will be considered as malicious overdue by the online loan platform, which will increase the frequency of incoming calls and may even take other collection measures, such as door-to-door and prosecution. Unless the other party calls at night, midnight, early morning and other abnormal times, the borrower can not answer, because this is a violent collection.

2. Record the whole call.

From the connection to the end of the call, we must record the whole process, mainly to protect our rights and interests. It is one thing that online loans are overdue, but it does not mean that online lending platforms can take violent collection actions against borrowers, such as verbal insults and slanders on the phone. In this case, complaints can be made on the basis of recording.

3. Confirm the identity of the caller

After the call is connected, you have to confirm the identity of the other party. For example, for the collection personnel arranged by the online loan platform, you must ask the other party to report which collection company and job number. If the other party refuses to tell the truth, you can just hang up. Only after the other party informs can the next communication and dialogue be carried out to avoid fraudulent collection.

4 explain the reasons for overdue non-malicious arrears.

Many borrowers still don't have enough money to repay when they receive a phone call after the online loan is overdue. They can truthfully explain their situation on the phone, such as being ill in hospital or unemployed, and having no money to repay due to major family changes. The key is to make it clear that they didn't pay back on purpose and show that they have enough evidence to prove that they are not maliciously overdue.

5. Explain the economic situation and indicate the willingness to repay.

Borrowers should also explain their financial situation, such as monthly salary, and then put forward their own repayment plans, such as how much they can repay with their own income and how long they can repay at the latest, so as to show their willingness and ability to repay.

6. It is proposed that the online lending platform suspend collection.

The borrower can also declare on the phone that he can't repay all the arrears at present, hoping that the loan platform can suspend the collection and give himself a buffer time to deal with the arrears. Otherwise, it won't help if there is still no money to pay back how much money has been collected.

Although many online loans do not have credit information now, each small loan platform has its own third-party big data credit information platform. If a company is overdue or fails to repay the loan, then the third-party platform it cooperates with will leave a record, and then you want to apply for a loan on other small loan platforms, which is basically difficult to pass. You can get a big data report on Xiaoqi Credit Search to keep abreast of your big data status. It is an online loan big data query system, which provides comprehensive, accurate and complete data information for online loan applicants.

3. Which regular point is the online loan big data query platform?

Want to query online loan big data, generally in some private inquiry systems and third-party platforms.

There are many folk inquiry systems, so we should pay more attention when choosing them. To choose those formal large institutions, we generally do pre-lending audit on platforms such as Beijian Express Inquiry, Winnie Hsin Inquiry and Tongdun Data. Because small organizations are generally unreliable, a person's information will be leaked, which will also cause security risks.

If you want to check the central bank's credit information, you can bring your ID card directly to the local central bank's credit information center. You can also go to the local authorized commercial bank outlets to inquire; Or you can log in to official website, the central bank, and query directly on the computer.

Central bank credit reporting has little to do with online lending big data. If you apply for online loans, it is mainly based on big data and peaceful typhoon control; The application for bank loans and loans from lending institutions and platforms accessing the central bank's credit information system are mainly based on the borrower's central bank's credit information report.