Model loan notice

The dunning notice issued by the bank is divided into the following types:

individual

enterprise

Company loan

Generally, as long as there is overdue, the bank will inform you by SMS in about two weeks. There are many overdue behaviors. If the overdue period exceeds one month, the bank will communicate with you by phone.

First, the notice of customer service, and then the notice of professional telephone collection personnel. If the bank can't contact you for more than a month, it will contact your relatives and friends directly and tell you to pay back the money through them.

If neither phone call nor text message can solve the problem of paying back the money, the bank will hire a lawyer and send you a lawyer's official letter as the final notice.

If the above three methods are not solved, if the time has reached three months or even six months, the bank will entrust your case to the outsourced dunning company, give them some money, and then the dunning company will come to you. If you can't find yourself, start with your parents or work unit, threaten you and other informal means.

After many times of communication, if the demand is not paid back, and it is more than three months, the bank has the right, but it is also limited. If your amount reaches more than 10,000, you have personal assets in your name, but you are unwilling to repay, or you make false information, cash out cards, etc., the bank will decide to sue you for (embezzlement of property) or (/false credit qualification/malicious cash out) according to the above situation.

If the bank can't contact you for a long time, don't take chances. Because as long as you owe money, even if it is only a few thousand dollars, your debt-dragging behavior will put you on the blacklist of banks. Your debt won't disappear because of your disappearance, but the interest will be bigger and bigger, and the black account of credit will accompany you for life.

So when you find yourself in bank debt, you must pay it back in time, not waiting for the bank to pay you back. If you really can't pay back the money, you can communicate with the bank and pay it back bit by bit every month to avoid bad records affecting your lifelong credit.

Extended data:

If you really encounter difficulties and can't repay, you can apply to the bank for an extension in advance to extend the loan period. On condition that:

1. The extension of short-term loans shall not exceed the original loan term.

2. The extension of medium-term loans shall not exceed the original loan term.

3. The longest extension of long-term loans shall not exceed three years.

If the borrower fails to apply for loan extension or the application for extension is not approved, the loan will be credited to the overdue loan account the day after the maturity date.

Therefore, the borrower must apply to the bank in advance to avoid being annoyed when it is determined that he cannot repay the loan on time.

Loan collection notice

The loan collection notice refers to the collection notice issued by the payee when the lender fails to repay the loan according to the regulations.

Notice of loan collection mode Article 1

_________:

According to the loan contract of the agricultural union. _ _, [or the repayment agreement of Nongjie Research Association. _ _ _ _ _ _], your company has _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.

I hereby inform you.

Xx _ _ _ _ _ _ _ official seal

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

Borrower: _ _ _ _ _ (official seal) Guarantor: _ _ _ _ _ _ (official seal)

Signed by _ _ _ _ _ _ _ _ Signed by _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

After this Notice is signed by the Borrower and the Guarantor, the Borrower, the Lender and the Guarantor each hold one copy.

Model loan collection notice Part II

Name and telephone number of the borrower

Identification address

Borrower:

You borrowed RMB (in words) from our bank on, and the maturity date is, and you still haven't returned it as of the date of issuing the notice. Please confirm the loan and bear all legal sanctions.

Guarantor or guarantor:

Borrowed RMB from credit cooperatives (in words), but failed to return the loan RMB on the confirmation date of the loan notice. As you have mortgaged the loan, please confirm the above loan and bear relevant legal responsibilities.

Borrower's opinion: The above loan maturity reminder notice has been received, which is true and accurate. I will actively take measures to repay the previous loan principal and interest. I will accept all credit sanctions if I fail to perform the formalities within the time limit. Signature of the Borrower: (handprint) MM DD YY.

Guarantor or Guarantor's opinion: I guarantee that the above loan is true and fulfill the guarantee obligation in time as agreed in the contract. After verification, the situation is correct. If I fail to fulfill the reimbursement procedures within the time limit, I will accept all credit sanctions.

Signature of guarantor or guarantor: (handprint) MM DD YY.

Issuing Authority: xxxxx Rural Credit Cooperative Union

Credit personnel of xxxxxx Credit Union:

Loan collection notice Fan Wensan

Hello, Mr. xx, Ms. xx!

The commodity house you purchased is the Century Garden Building in Athens, which was developed by our company on October, 20xx, and a commercial house sales contract was signed. According to Article 7 of the Commodity House Purchase and Sales Contract, Articles 1, 2, 3 and 4 of this contract and supplementary agreements, you are overdue for xx days, so please fulfill the obligation of payment and mortgage loan procedures within three days from the date of receiving this notice, otherwise, according to the relevant provisions of the Commodity House Purchase and Sales Contract signed by both parties, we will regard you as a breach of contract and have the right to unilaterally terminate the contract.

note:

1. Our company and the bank handling the mortgage loan informed you of the payment and mortgage loan by telephone before 2000.

2. This notice shall be mailed to the address provided by you (the buyer). Once delivered (subject to the delivery postmark) and the delivery time specified by the local postal department, it shall be deemed as delivered.

Xx _ _ _ _ _ _ _ official seal

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

Borrower: _ _ _ _ _ (official seal) Guarantor: _ _ _ _ _ _ (official seal)

Signed by _ _ _ _ _ _ _ _ Signed by _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

Article 4 of the model loan collection notice

To: xx co., ltd

Due to your default in payment, the normal business activities of our company have been greatly affected. In order to avoid more unfavorable situations and maintain the cooperative relationship with your company, our company hereby writes to your company on related matters.

Division I is your long-term cooperation unit. In xxx month, your company signed the ContractNo.: Long-term Supply Contract (hereinafter referred to as Long-term Supply Contract), and arranged for our company to supply raw materials to your company.

During the period from xxx to XXX, the total price of products purchased by your company including tax is RMB. After the reconciliation with your company was completed, our company issued the corresponding invoice and delivered it to your company on time, but your company has not paid yet.

After the above situation happened, our company communicated with your company many times and expressed enough sincerity, hoping to solve it through friendly negotiation, but we did not get a positive response from the sample payment notice. In desperation, we hereby solemnly inform your company:

Otherwise, our company will have to choose to solve the problem through legal channels. At that time, your company will bear all the expenses such as payment for goods, loss of overdue payment, and legal fees. What's more, your reputation and reputation will suffer. Please consider the pros and cons.

I write to wish Tang Qi all the best!

Sender: xx City Co., Ltd.

(Seal)

Xxx year month day

Article 5 of the Notice on Loan Collection Mode

xxxx

Your company signed a xxxxxx contract with our company on xxx, XXX, XXX. Your contract number is XXX, and our contract number is XXX payment collection notice mode. According to the contract, our company will provide xxx goods/services to your company, and the total price of these goods/services is RMB xxx. Our company has fulfilled all the obligations agreed in the contract.

The payment of your company is as follows (unit: RMB/10,000 yuan): payable amount xxx, paid amount xxx, overdue amount xxx.

According to the contract signed between your company and our company, the above payment is overdue, so please pay it as soon as possible.

If you have any objection to the contents of this fax, please notify the sender of this fax in writing before xxx, xxx, xxx, and our company will send someone to negotiate with your company as soon as possible.

If there is no reply by then, our company will have to refer to the terms of liability for breach of contract and dispute settlement with regret.

Please reply as soon as possible, thank you very much!

Xxx company limited

Xxx year xxx month xxx day

What should China Industrial and Commercial Bank do if it receives a dunning notice because it owes 32 mortgage loans?

If the loan is not repaid in full and on time, it will be overdue, which may have the following effects:

1. Funds: default interest will be collected on a daily basis, subject to the contract;

2. Credit investigation: The overdue information is recorded in the Credit Investigation Center of the People's Bank of China for reference when approving loans or credit cards.

It is suggested that you deposit the full amount into the agreed repayment account or make repayment at the counter as soon as possible, and then please repay in full and on time according to the agreed repayment date. If you have any questions, please consult the loan bank in detail.

(Answer time: August 3, 20201. In case of business changes, please refer to the actual situation. )

What is the dunning notice in loans overdue? How did you receive this?

The loan collection notice is issued to those who fail to pay back the loan within the time limit.

1. If the limitation of action has not expired, for example, the payment period is two years, and a notice of overdue dunning is issued, and the parties sign the notice, then the limitation of action will be interrupted, and two years will be recalculated from the date of signature confirmation.

2. If the limitation of action has passed, for example, the payment period is two years, and the overdue dunning notice is issued two years later, and the parties sign the notice for confirmation, it is generally not considered as the interruption of the limitation of action, but the new creditor-debtor relationship arises from the date of signing and confirmation, and the limitation of action is also two years from that date.

Loan collection notice refers to the expression of the creditor's (bank's) intention to require the debtor (borrower's) to perform its obligations. In terms of statutory limitation of action, the notice of overdue loans is an important link in the recovery of overdue loans and plays a decisive role in revitalizing non-performing loans. In order to ensure that banks have greater rights to win the lawsuit of recovering overdue loans, they must bring a lawsuit to the people during the limitation period. Limitation of action refers to the system in which the obligee whose civil rights have been infringed fails to exercise his rights within the statutory limitation period, and when the limitation period expires, the people will no longer protect the obligee's rights according to law. If the creditor makes a request within the statutory limitation period, the people will force the debtor to perform its obligations. After the expiration of the statutory limitation period, if the obligee exercises the right of claim, the people will no longer protect it.

Article 135 of China's General Principles of Civil Law stipulates: "The limitation period for claiming protection of civil rights from the people is two years, unless otherwise stipulated by law." Therefore, the general statute of limitations of civil litigation in China is two years, and of course there are special statutes of limitations. For the legal relationship of overdue loans, the common statute of limitations, that is, two years, is adopted. Interruption of limitation of action refers to the fact that in the process of limitation of action, due to certain legal reasons, the expired limitation period is invalid, and the limitation of action starts again after the reasons for interruption of limitation of action are eliminated. Article 140 of the General Principles of the Civil Law of our country stipulates: "The limitation of action is interrupted by bringing a lawsuit or one party requesting or agreeing to perform an obligation. From the time of interruption, the limitation period is recalculated. " Within two years from the date of overdue loan, the borrower expressed his willingness to repay the loan to the bank in a certain form, which constituted the interruption of the limitation of action. Therefore, every time the borrower signs the overdue loan collection notice, it will lead to the interruption of the two-year statute of limitations, so that the statute of limitations will be recalculated, so as to ensure that the bank loan will not lose its legal protection because of the long time in loans overdue, and avoid losing the right to ask the people to force the debtor to perform its obligations through legal procedures. In China's current financial system, the collection notice issued by banks to borrowers is mostly limited to the collection of loans, and the legal effect of the collection notice of overdue loans is often ignored, that is, it plays a legal role in interrupting the limitation of action in the continuation of overdue loans. In practical work, most loan officers are not aware of the role of payment reminders, but just go through a formality. In the way of distribution, it is often delivered in an unreasonable way, such as signing by others, leaving behind, delivering without witness, etc. If this kind of loan case goes to litigation, the borrower will lodge a defense with the people on the grounds that he has not received the overdue loan notice and the loan has expired. As the obligee, that is, the bank will not be protected by law because the loan exceeds the limitation of action, thus losing the right to win the case.

In my opinion, banks should pay attention to the following aspects when issuing overdue loan notices:

1. The overdue loan notice must meet the conditions stipulated by law, that is, it is reasonable and legal. First of all, filling should be strictly in accordance with the requirements stipulated by law; Secondly, in form, two copies should be used, one for the borrower and one for the bank. Finally, the validity should be confirmed by the borrower's signature, seal and fingerprint.

2. Correctly grasp the two-year statute of limitations. According to China's General Principles of Civil Law, the limitation of action for a loan contract is two years, counting from the date when the loan is overdue. Therefore, as a bank, it is necessary to grasp the statute of limitations, that is, at least once every two years to issue a notice of overdue loans to safeguard their rights.

3. The importance of signing overdue loan notice should be treated correctly. After the loan officer sends a collection notice, it cannot be formal, and the borrower and guarantor must sign it in person before the overdue collection notice can have legal effect. For those "nail households and shameless households" who refuse to sign, we should visit, guide and persuade them many times to achieve the purpose of signing the overdue notice. For borrowers and guarantors who work in other places all the year round, they can be served by announcement, mail, etc. , so as to complete the receipt of overdue loan notice. It is worth emphasizing that the loan officer can't give up issuing the overdue notice for the loan beyond the litigation period, but should do everything possible to let the borrower and guarantor sign for it and recover the capital loss.

4. Ensure that the collection notice is well preserved. A collection notice issued by the loan officer shall be filed by the bank and kept in a counter box. Its importance should be equal to the loan receipt, providing strong evidence for loans overdue in the future. "Litigation is evidence". With the collection notice, the chances of winning overdue loan cases are in your hands. In short, as long as we can correctly grasp the legal function of the overdue loan notice, we can not only urge the borrower to return the loan as soon as possible, but also provide a legal basis for the overdue loan to enter the proceedings in the future.