What if the lending institution says to collect money at home?

What should I do if I just borrowed money and said I would come to the door?

Nowadays, more and more young people are hot-headed and owe more and more loans. When they can't pay back, will people who call to collect money and say they will come to their home panic? How to tell whether the collection is on the door? How much does it usually cost to collect money at home? This depends on what platform it is. You don't owe much, pay it back quickly!

1. How much do you usually collect at home?

Obviously, in terms of the amount, the more overdue amount, the greater the possibility of door-to-door collection. Generally speaking, if the overdue payment is more than 5,000 yuan to 10000 yuan, the possibility of door-to-door collection is higher.

Of course, it depends on whether the platform intends to come to the door. There are many factors that affect this decision. For example, with the stricter policy control, most platforms have basically given up door-to-door collection and switched to telephone collection.

There are still some platforms that are not formal, and they dare not collect and dare not sue. Therefore, even a large amount of arrears of 80,000 to 90,000 may not come to the door, so there is no standard amount to determine.

Second, how to tell whether the collection comes to the door?

Generally don't come to the door, unless it is a large quantity. For collections, they are basically third-party collection companies, and it is difficult to tell whether others really come to the door or fake collections.

In fact, for loans from banks and formal institutions, don't be afraid of being nervous, just cooperate with them to investigate. It's just that they deliberately don't return it, and eventually they will come up with a plan to negotiate.

If you borrow online usury, don't be afraid, just call the police directly. It is estimated that this kind of usury has already exploded your address book in the early stage.

I am most worried about borrowing usury from the local offline, which is more troublesome. Although they dare not commit blatant violence now, they still do great harm to us. They live in fear every day and hurt their families.

Third, did you really come to the door just after the deadline?

It's not true, it's just a collection method, trying to increase the psychological pressure of borrowers.

1. Generally, if it is overdue, if it is a credit card, there will be three months to communicate with you, which is very important. This will not happen because the money collected by the bank's insiders was not transferred to a third party. But if it is three months later, you may or may not come to the door, mainly depending on your attitude of communication with the bank.

It's not terrible to go to the door. You can record and video the whole process. According to the national regulations, it is illegal for a third party to enter the house without the consent of the residents, and it can be handled by the police. Now the country is serious about cracking down on evil, so don't worry. You can communicate with him well, or explain the situation downstairs.

3. Remember not to believe the words of the collection staff, or ask you to sign any information, or when you admit the repayment. If you agree to all these things, but don't do it later, the bank has the right to sue you again, which is equivalent to your second overdue. You must check it clearly.

4. There will be a series of problems after the deadline, but I hope you can have a good attitude to face them. More importantly, it's best to speed up your income and repay the loan as soon as possible.

What should I do to collect loans at home?

After the credit card is overdue, it is legal for the bank to visit at home. The debtor needs to pay attention to it and try his best to cooperate with the bank, but he should not be too nervous, let alone choose to escape or ignore it.

There are detailed regulations on the process of banks' overseas inspection, and it is illegal to exceed this regulation. Understanding the top-level processes of banks also helps debtors to handle their debts well.

1. Departure: The collection staff will not come to the door alone. Usually, there will be two foreign visitors at each door, carrying the debtor's credit card collection materials, letters of introduction, voice recorder and camera.

2. Notice: The bank will call the cardholder to explain the door-to-door time, and the person in charge will record the arrival time and inform the foreign visitors of the specific location and door-to-door time at any time.

3. Photographing and recording: Foreign interviewers take photos and record the surrounding environment of the target address, and record the whole process.

4. Visit: If the cardholder is found during the visit, the foreign visitor will immediately identify himself and indicate his purpose, check the customer's mobile phone, home phone number and contact address, and ask the customer to sign a reminder or lawyer's letter. If the debtor is absent and relatives or family members are present, the foreign interviewer will inquire about the relationship between the related party and the debtor in detail, understand the debtor's economic situation and current situation, ask the related party to convey repayment information and ask the related party to compensate as appropriate, and finally ask the related party to sign a dunning notice or lawyer's letter on its behalf.

If no one is at home, the interviewer will call the cardholder's home first, pay attention to whether there is a phone ringing in the door, and then call the debtor's mobile phone to check the home address. At the same time, experienced foreign visitors will visit and investigate around the debtor's residence, looking for the cardholder's neighbors, property, neighborhood committees, village committees, film police, security guards and so on. Collect relevant information of cardholders. If the cardholder has a fixed private email address, the foreign interviewer will put the legal notice in an envelope marked "Please don't open it unless it is my own" and put it in the borrower's email address.

The online loan is overdue. What should I do if someone sends a text message to my home now?

The online loan is overdue. Now, if someone sends a text message to pick it up at home, first of all, everyone should stay calm. Compared with us, we didn't steal or rob, but the online loan was overdue. This is a civil dispute. Just negotiate repayment.

If the online loan is overdue, don't refuse to answer the phone call of the dunner, explain the actual situation and agree on the repayment date. If you don't answer the phone, they will bomb your family and friends, look down on you when they meet in the future, and then come to collect it. Sometimes it happens that there are guests at home and the collection comes to the door. It was embarrassing. So it's best to negotiate with it.

Don't be afraid when you come to collect money. Don't take the initiative to find fault, as long as they have done anything illegal, and give the whole video and evidence to the police in time. Now it is a society ruled by law, and no one dares to openly run amok. Door-to-door collection is also a collection method. As soon as many people hear that they are coming to the door, they are immediately scared and overwhelmed. When it comes to things, we must treat them calmly. Everything has a solution.

Door-to-door collection is risky, because they don't know whether the borrower is at home or not, and they don't know the borrower's situation, such as whether the borrower's quality is low, whether there will be an overreaction, and the borrower's physical health. In the process of collection, three people usually go together, one to take photos, one to ask and one to record. The main purpose is to find out the reasons for loans overdue and negotiate repayment. Be gentle, don't worry too much. However, there are exceptions to everything, and it is also possible to meet collectors with bad temper. However, no matter what kind of collector wants to come to the door, everyone should take several measures:

1, take self-protection measures in advance.

You should install monitoring equipment at home in advance and prepare audio and video recordings, so that if malicious collectors take some violent measures, you can defend yourself in the form of self-protection, and if there is a fight, you can call the police.

Step 2 show your attitude

Judging from the current situation, although the relevant departments have stepped up supervision of the online loan market, some platforms still have problems such as usury, beheading and violent collection. At the same time, if the other party's violent collection seriously damages its own economic interests, it requires the other party to apologize and compensate.

3. Prepare a recording pen. If it is an online loan outsourcing local collection company, people who come to the door are generally rude. At this time, borrowers need to be vigilant. You'd better prepare a recording pen. They often force borrowers to repay their loans through verbal stimulation, but they will not do it easily. At this time, if you have mastered the evidence of the other party's swearing, you can choose to call the police.

What should I do if I call and say I want to come? Don't be afraid to do it well.

If the loan is not repaid on time, it will definitely be collected after it is overdue. In addition to SMS collection, the loan platform will also collect. Some borrowers will come to the door if they don't pay back the money on the phone, and many borrowers will be a little scared. Then, what should I do if the collection calls and says that I want to come to the door? In fact, you don't have to worry too much about doing these things well.

What should I do if I call and say I want to come?

First of all, we must determine how feasible it is to close the door. Like most collection calls, they just talk to scare borrowers into paying off their debts as soon as possible. However, if the collection phone number is a local number, and the overdue amount of the borrower is more than 5,000, and the overdue time is more than 3 months, then it is very likely to actually come to the door.

Secondly, even if the collection really comes to the door, don't be too afraid. You know, the borrower is only overdue, and it is a civil dispute at best, and it is ok to pay back the money. Moreover, even if the borrower owes money, he has the right to safeguard his legitimate rights and interests. Borrowers can refer to the following practices:

1, full audio and video recording

After the collection, the borrower shall record and video the whole process. Most collectors are actually measured when they come to the door, and most of them have a thorough understanding of legal research. Generally, they will only force the borrower to repay the loan through verbal stimulation, and will not easily have physical contact with the borrower.

However, if you are not afraid of 10 thousand, you are afraid of one thousand. It is not excluded that individual collections will be violently collected, such as verbal abuse, or hands-on to borrowers and other family members. As long as there is a record of illegal behavior, you can complain as evidence or call the police directly.

2. Don't charge money.

Many people are persuaded after the collection, and will add a collection to WeChat to transfer the money owed, or directly collect the cash and let them repay it on their behalf. Doing so is risky, because the money is likely to be taken away directly and will not really help the borrower repay.

Even if the borrower wants to repay, he can only repay through the channels of the loan platform, such as paying back the money on the loan platform APP or transferring the money to the collection account given by the loan platform.

The above is the introduction of "how to call and say that you want to come to the door", I hope it will help everyone.