Will people who have overdue online loans call?

Will he call the address book when the online loan is overdue?

Yes, if it is serious, no matter whether the real name is stored in the address book or not, it will be dealt with seriously by SMS or telephone.

Supplementary information:

First, the online lending platform obtains the contacts in our address book mainly in three ways:

1. When we borrow money, we fill in the contact numbers of our emergency and main contacts according to the requirements of the platform.

2. The loan platform logs into the mobile phone business hall through the password of the mobile phone service provided by us, and obtains the details of the call records from three months to six months when we borrow money, including telephone numbers, call time and other information.

3. Most online lending platforms will require our mobile phone to authorize the address book, and some even require SMS authorization. After authorization, the platform software will get all our address books, including phone numbers, address book notes, names and so on.

Second, whether to call the contacts in each address book depends on whether the online lending platform has obtained all our address book information.

1, general formal platforms, such as Provincial Bank, Zhaolian Finance, Borrowing Bank and JD.COM Bank, will not get our address book.

2. Even if there is, we will only contact the emergency contact person we filled in at that time. If there are some irregular platforms, our address book information will be obtained. In the case of repeated reminders, we will contact people in the address book. In most cases, we will contact people who are marked as relatives in the address book and people we often call. Some platforms even contact all the contacts in our address book.

3. This is the answer whether the online lending platform will contact the address book owner.

Extended data:

How to avoid online lending platform calling address book?

1, contact the collection staff actively, and don't let others find you.

The collector should not only collect your money, but also collect other people's money. So, if you don't pay back the money and can't get in touch, people will call you and your address book friends crazily.

If you take the initiative to contact others, apply for an extension or seek interest relief, and come up with your own good repayment plan, people may not bother you all the time, but those who don't take the initiative to contact him.

2. Make more money or borrow money from people around you to take the initiative to repay.

People harass you for a reason. After all, collection is their job, and no one wants to harass you as long as you pay back the money. Therefore, either do more part-time jobs to make money and repay, or borrow money from relatives and friends around you first. On the one hand, others will not continue to harass you, on the other hand, they will also prevent others from contacting your address book friends to bring you trouble.

Is everyone called the online loan explosion address book? They are the most painful people!

In the loan circle, what most borrowers fear most is that the address book is damaged. After all, this collection method will let all relatives and friends know that you owe money and your financial situation is not good, and people around you will also receive calls, which will inevitably be difficult. Do you know that?/You know what? Not everyone is called an address book. There are several situations.

First, group explosion

Many online loan collections, no matter who is in your address book, will be called once, mainly about your arrears, demanding repayment obligations, malicious harassment, threats and insults, in order to make your address book friends put pressure on you.

Some borrowers say that people who haven't contacted for 1-2 years are often bombed. I don't know how the collection was dug up, probably through the address book reserved before.

Second, the contact person

Contacts are miserable, because these people suffer more than 90% of contacts, and some courier brothers, takeaway brothers and supermarket convenience stores may receive calls.

Because contacts show that the people you contact are generally family members, friends, and the last people the borrower wants to contact, they are the most vulnerable.

Third, the emergency contact person

If you apply for online loan, you may need to fill in the emergency contact number. If it is overdue, the first call is the emergency contact. If you can't get through or have an empty number, you can call again along the address book. It should be noted that some online loans will call the contact person during the audit. If you don't want your family to know, you can let your friend act as an emergency contact, provided that the other party is willing.

To sum up, the collection methods of each online lending institution are different. Simply put, call to see the mood. If you don't want to contact the address book, you can choose products that don't authorize the address book, otherwise most of them will call after the deadline.

Will I call my contact when the online loan is overdue?

This is possible, but the probability is extremely small. Generally, after overdue, the loan platform will entrust a third party, that is, give your file to a collection company, and they will ask you for collection. I have been unable to reach you. It is possible to contact your family or come to your house to collect debts. The purpose is to settle the debt as soon as possible, so just pay it off quickly. However, customers who can't repay their debts temporarily can take the initiative to call customer service to negotiate and see if they can apply for an extension first. We can negotiate with financial institutions to extend the repayment period and reduce the monthly repayment amount.

: What should I do if it is overdue?

1. When we are in loans overdue, we should take the initiative to communicate with financial institutions, fully communicate with them about our current financial shortage, and express to financial institutions that we are willing to repay. But at present, the shortage of funds is serious, so we should try our best to win the understanding and support of financial institutions. At the same time, we can propose to financial institutions to adjust the original repayment plan, extend the repayment period, reduce the repayment amount of each installment by changing time into space, ease our repayment pressure, and gradually repay the arrears of financial institutions. Second, we should increase other sources of income and reduce unnecessary expenses.

2. After loans overdue, don't give up on yourself, but arm yourself in more ways. You can start from the current work situation and squeeze out other jobs in your spare time to increase your income. This is called open source. At the same time, we should actively reduce some unnecessary expenses and reduce the monthly cash expenditure, which is called throttling. By increasing income and reducing expenditure to increase our net income, we can use net income to repay the debts of financial institutions.

We can borrow money from relatives or friends to pay off our debts. Through your own efforts, if the funds you can raise still cannot meet the repayment needs of financial institutions, then you should continue to raise funds. We can borrow money from relatives and friends around us to repay the debts owed by financial institutions. We can communicate with our relatives and friends about our actual situation and gain their understanding. Then we should strive to increase our income, and then pay back the loans of relatives and friends.

Will I call my friends in the address book when the online loan is overdue?

If the online loan is overdue, you will call your friends in the address book. When the online loan is overdue, the platform collection has three stages:

1, the first stage: just a few days after the overdue, the customer service of the platform whispered a warm reminder that it is overdue, please repay it on time;

2. The second stage: long-term overdue, the platform customer service will give a serious warning, and the threat of overdue will face serious consequences;

3. The third stage: after a long overdue period, the platform stopped persuading others and began to take practical actions to cooperate with third-party collection platforms, bombing your mobile phones and those of relatives and friends all the time.

If the online loan is temporarily overdue, the borrower and the lender can negotiate to postpone or repay the arrears in installments. If the loan is not repaid according to the extension or installment agreement, the creditor may apply for compulsory execution.