The online loan is overdue and the call is not answered. What should I do if I send a text message saying that I want to come to the door?

With the development of science and technology, we have officially entered the Internet age. The Internet has not only brought great convenience to our lives, but also spawned many emerging industries. The online loan industry has developed rapidly with the help of the advantages of the Internet, because online loans have the advantages of relaxed review and fast payment, and have been welcomed by many young people. However, online lending also has a disadvantage, that is, the interest is relatively high, and many borrowers may be overdue for various reasons. At this time, online companies may keep calling borrowers, claiming to borrow money.

1. Will the online loan come to the door for dunning when it is overdue?

The borrower will pass a series of identity verification when making online loans, and all the information of the borrower has been known by online loans at this time. Therefore, if the borrower really has serious overdue or malicious non-repayment, then the online lending platform may actually arrange for the borrower to go to the borrower's home for dunning.

However, it is not necessarily the personnel of the online loan platform who collect money from the planner's home. At present, many online lending platforms have contracted the business of bad debt collection to collection companies, and the personnel of these collection companies will go to the borrower's home to collect money according to the information provided by the online lending platform.

2. How to deal with violent collection?

At present, China is a society ruled by law. In the face of violent collection, borrowers can determine whether their online lending platform is formal according to relevant regulations. If it is not formal, the borrower has the right to refuse to repay the high interest and only return it according to relevant laws and regulations. If the collection personnel carry out violent collection and harass their families, then the borrower can choose to call the police to handle the matter.

3. Young people should establish a correct view of consumption.

Many young people just step into the trap of online lending because they don't have a correct consumption concept. Therefore, young people should consume rationally, do not compare with each other in daily life, do not consume in advance, and must consume according to their actual ability.