Do you want to respond to the call of small loans for debt collection? brief introduction

What will happen if the collection phone of micro-loan is not answered?

If the collection call of micro-loan is not answered, the lending institution will think that the customer deliberately evades the debt, which is the performance of the lender's refusal to communicate. The loan platform will report the overdue situation of the lender to the personal credit information system, and will also calculate the penalty interest of the lender within the overdue time.

Therefore, once the micro-loan is overdue, the lender must get in touch with the lending institution in time. Although micro-loans do not support negotiated repayment, lenders can still express their attitude of actively solving debts, and perhaps win more initiative for themselves.

Wechat micro-loan is overdue. You sent me a message this morning saying that you should repay the loan before noon 12: 00, or you should call the company and your family. Is it true?/You don't say.

It's possible. After the overdue small loan is entrusted to a third party, that is, your file is handed over to the collection company, and the collection company will ask you for collection. If you can't contact me all the time, you can contact your family. The purpose of the micro-loan phone is to hope that the arrears can be settled as soon as possible, so customers only need to pay off the arrears quickly. Customers who can't repay their debts temporarily can also take the initiative to call the micro-loan customer service to negotiate and see if they can apply for an extension. It must be noted that after receiving the dunning call or text message of micro-loan, we must find ways to repay it quickly. If the dunning phone of micro-loan is ignored, the other party still refuses to repay after repeated dunning, and micro-loan is likely to be sued, which will naturally cause more serious adverse consequences.

Loans overdue influence:

First, late payment will affect personal credit. If a lender borrows money from a bank and fails to repay it within the time limit, his personal credit report will leave a bad credit record. It is very difficult to apply for credit cards and loans in the future, and most of them will be rejected, which will cause many troubles to personal production and life.

Second, the most direct consequence of not paying back the credit loan is a high penalty interest, and you may have to pay a certain penalty. Even the principal and interest add up to a lot of expenses, and the result of not repaying on time is to increase my economic pressure.

Third, in loans overdue, the lender will face all kinds of collection. Banks or financial institutions have their own collection systems. After the lender is overdue, the first-class collection will send you a text message and call for a reminder. If it is not returned for a long time, and the degree is serious, there will even be a collector to collect it in person. This overdue person should be psychologically prepared and strive to pay off the money at the first time before solving it.

Fourth, if the loan is overdue for a long time and the amount is large, the lender may be sued by financial institutions. After the lawsuit is accepted, the assets of the lender may be sealed up after the court pronounced a sentence. This is the "repayment reward" that the lender must implement, otherwise the court will seal up the property and other assets under your name according to law and repay the arrears with the proceeds from the auction.

Fifth, if the circumstances are serious, you may go to jail. Under normal circumstances, such incidents as borrowing money and not paying it back are civil disputes and will not rise to the criminal level. However, if some lenders refuse to implement it and insist on not paying it back, if the circumstances are serious or bad, the court will also investigate the criminal responsibility of the borrower according to the circumstances, and even go to jail if the circumstances are serious.

Do you want to answer that overdue phone call? brief introduction

After loans overdue, people usually call for money, but many borrowers are unable to repay it. When they see a strange phone call, they will hesitate to answer it. Then do you want to answer that expired phone call? This is still combined with the specific situation to analyze, let's take a look.

Do you want to answer that overdue phone call?

Although overdue lending institutions can arrange home collection by collection personnel, it can't affect the normal life of borrowers, so it depends on the time period for home collection. If you call the borrower during normal working hours, you can answer it, but if you call you day and night for collection, it is a violent collection and you don't have to answer it.

It should be noted that receiving a collection call does not mean that you have to repay the loan. You can indicate your willingness to repay the loan by phone. Otherwise, if you are worried that you have no money to repay, the lending institution will probably think that the borrower wants to evade the debt and will take more drastic collection measures, such as door-to-door collection or even prosecution.

If the borrower is willing to repay the loan, but can't pay off the debt temporarily, it is recommended to contact the loan platform for negotiation. Don't negotiate with collectibles on the phone. You should know that only the loan platform has the right to negotiate repayment. After all, the purpose of collection is to put pressure on the borrower to repay as soon as possible, so that he can get the commission.

During the negotiation, the borrower must show his difficulties, but don't say that he can't afford the loan, only that he can't afford it temporarily. It is only a matter of time before he has a job and income. He must provide some relevant certificates, such as poverty certificate and income certificate. After the loan platform agrees, he will re-sign the loan contract.

The above is the introduction of "Do you want to answer overdue calls?". I hope it will help everyone.

Should we pay attention to him in micro-loan debt collection?

Micro-loan is a bank product, which is directly linked to the central bank's credit information. If you don't care about the credit information, you can ignore it for a while, hang up the phone directly or use other means. If you care about credit reporting, it is recommended to respond positively, say something nice in the face of collection, and then try to return the overdue money.

1, overdue impact of micro loans

With the increasing pressure of life, many people now have foreign debts. Some people borrow money from friends, others borrow money from banks or small companies. Returning on time won't have any impact, and it can even improve personal credit. However, if it is overdue, it will not only be collected all the time, but also be directly recorded in the credit report, which will affect our credit. Micro-loan is a product launched by Internet banking company Weizhong. According to the law, it is directly linked to the central bank's credit information, and it will be affected if the credit information is not returned within the time limit.

2. Faced with a set of two choices.

In the face of collection, there are two choices. First, you don't care about credit reporting. At this time, you don't have to worry about the collection. Refuse in a short time, and the other party will not go to court. The second is to care about credit reporting and worry about the impact on life. At this time, no matter whether you have money or not, you should respond positively to each other. As the saying goes, it is not impossible for people who reach out and don't smile to ask for a few days' grace. After answering the phone, I'll try to pay back the money. I can borrow it from my relatives or ask my parents or friends for help, depending on my popularity.

3. The influence of credit.

Personal credit records have a wide range of influences, including loans to buy a house, bank loans, credit card applications, car loans, enjoying government benefits, finding a job, renting a house, buying insurance and many other aspects. As the saying goes, "a person can't stand without faith", when a person's credit information has serious problems, his daily consumption and travel may be restricted. Considering the comprehensive impact, it is suggested to actively deal with the collection of small loans. People are regular bank products, not illegal lending institutions. It is illegal to delay paying back the money, which may have bad legal consequences.