Why hasn't everyone paid the loan recently?

Internal personnel adjustment stopped the dunning, but they still had to repay the loan quickly. Even if they don't call you, the interest will naturally increase after a long time. If it is really unable to repay, it shall negotiate with banks or lending institutions to extend the repayment period or repay it in installments.

Dunning method:

1, telephone dunning and face-to-face dunning

Because telephone dunning and face-to-face dunning are convenient and quick, they are the most common dunning methods. In this way, we should pay attention to the preservation of evidence, such as telephone recording, face-to-face recording, etc., to preserve favorable evidence such as the other party's default time, overdue fees, and the time limit for promised timely payment, and also to interrupt the limitation of action.

2. Letter dunning

Letter dunning includes mailing letter dunning, fax dunning, short message dunning, e-mail dunning and sending lawyer's letter. Effective letter dunning should fully explain the following basic information in the dunning letter: the signing time and basic contents of the contract, the rights and obligations of each party, the other party's breach of contract, the facts and amount of dunning, the time limit of overdue payment and the corresponding consequences of overdue payment.

Loans overdue's influence on everyone:

1, banned by formal financial institutions.

At present, everyone's loan has been reported to the central bank for credit information. If the borrower does not apply for a loan on the Renren loan platform in time, the borrower's bad record will be reported to the central bank for credit investigation. This means that the borrower has become a black account of the bank, and the black account for credit investigation cannot apply for loans in formal financial institutions, nor can it apply for loans in the bank in the future, which directly affects the borrower's application for mortgage or car loans.

2. Long-term debt collection

Under normal circumstances, the borrower fails to repay the loan on the Renren loan platform for a long time, and the staff of the Renren loan platform will regularly urge the borrower to repay the loan. Renren loan platform will not give up any arrears easily, and will specially arrange staff to come to collect debts. If the borrower's loan amount is large, the long-outstanding Renren loan platform will entrust a third-party debt collection agency to collect debts at home.