Personal experience of online loan overdue for one year

Today is the 2nd1day of overdue online loan. At present, there are four overdue platforms: auction loan, orange installment, Anyihua and installment music.

Let's talk about Paipai and Anyihua first. Both platforms are overdue. The day before, I took the initiative to call the platform to explain the situation.

The third is orange staging. I also actively contacted the customer service of this platform. Later, customer service also took the initiative to call me. Two days before the deadline, I don't know if it is a customer service problem or a third-party problem. I called more than 20 times a day and said to contact my emergency contact and go to our village Committee to verify my situation. I didn't say anything, just a word, you can go. I don't know if I went or not, but I filled in an emergency contact. Two days ago, I also received more than 20 phone calls. Now that a few days have passed, I don't call anymore. I just call the emergency contact, make four or five calls every day and send a few messages. Hang up all the phones directly and ignore the text messages directly. As for other friends, I have not received any harassment for the time being.

The fourth and most disgusting one, stage music.

Then I started calling me all over the country. I received several calls this day, and no one answered the rest. On the third day, yesterday, I still called to ask if I could pay back the money. I said I can't pay it back for the time being. I'll pay it back when I have money. When you want to talk again, the other party has hung up, several times in a row, as long as you say temporarily. It's like talking on the phone. Their collection needs to be changed every day. At five o'clock yesterday afternoon, there was an impromptu landline call from us. I answered it. Actually, it's stage music. I was just being polite. I also told each other the actual situation. Until today, I haven't called again, but I have been sending messages.

That's the kind of text message. This screenshot was taken when I was writing this article and just uploaded. The landlines that call me are all over the country, but the mobile phone numbers that send me messages are from Hunan and Hubei. I haven't paid much attention to them either. Whether there will be other measures in the future is unknown.

Here, I advise all friends to actively negotiate with the platform. Although I haven't got up yet, I still have to convey my attitude to each other. Besides, whether it is customer service or a third party, you must not be angered by the other party, so that you say something against yourself. We must remember.

Related Q&A: What should I do if it is overdue? There are three cases of overdue: 1 and short-term overdue. 2, overdue for more than 90 days. 3. Unexpected overdue. It is necessary to communicate and negotiate with lenders in time to avoid adverse effects on personal credit. Avoid applying for other loans, mortgages, car loans, etc. This will affect your life in the future.

Here are three out-of-date solutions:

1, short-term overdue, take the initiative to contact the bank after making up the arrears.

If it is only a few days overdue, please go to the arrears bank as soon as possible to solve the problem. Because personal credit reports are not uploaded in real time after the deadline, some banks have a tolerance period, and overdue records will be reported to the central credit information center next month. You can contact the bank to explain the reason.

2, overdue for more than 90 days, repay the arrears and maintain good credit habits.

If it is overdue for a long time, it is necessary not only to upload credit information, but also to pay a fine while repaying the arrears. If so, as long as good consumption habits are maintained, the bad records will disappear automatically after 5 years. Except for mortgage, most loans only refer to the credit history of two years.

3. In case of unexpected delay, ask the bank to issue a non-malicious overdue certificate.

If overdue due to unexpected reasons, such as unemployment, illness, going abroad, etc. Please take the initiative to contact the bank, explain the real situation and issue a non-malicious overdue certificate. So as to minimize the overdue risk and not affect the application for other loan business in the future.

Please click to enter the picture description (maximum 18 words).