Collecting inside information allows you to see the whole process clearly!

There are roughly the following routines for overdue collection.

Second, the specific analysis

1, set personnel.

Collection companies often have a mature collection mechanism, which is generally displayed in the form of teamwork. Everyone in the team has different personnel settings, mainly including good guys, bad guys and middlemen.

Good people are service-oriented, establish friendly relations with users, understand the basic situation of users, appease their emotions, and adopt gentle collection methods to ensure that they will not lose contact with users.

Evil people are mainly responsible for putting pressure on users, threatening and intimidating them, often with a tough attitude, and sometimes too much pressure often leads to users losing contact. At this time, it is necessary to pull users back as good people.

Intermediaries are neutral identities, such as the Commissioner of the Risk Control Center and the pre-litigation mediator. And often read out the decisions and punishment measures of some institutions to users, which requires good people to pave the way in advance and raise their status.

2. Exaggerate the overdue impact

In order to get the money back as soon as possible, the collectors often exaggerate the overdue impact.

First, it is claimed that the overdue penalty is very high, and the user will be informed to calculate the penalty according to 10%-20% of the remaining principal of the loan, while the actual overdue penalty is only calculated according to the overdue principal.

Moreover, users are only overdue for a short time, and they are told that they need to cancel the contract liquidation. Users are included in the list of untrustworthy people, which affects their children's schooling.

If the user does not repay the loan, it will immediately enter the litigation stage.

But the truth is, after the deadline, the contract will not be terminated immediately, nor will it be included in the list of untrustworthy people immediately, and it will not be prosecuted immediately.

3. Home visits

Door-to-door collection is also a common collection routine, and it is often hoped to put pressure on users in this way, but generally speaking, door-to-door collection will only be carried out if the overdue amount is large and there is a local office.

But in most cases, it is often a bluff, much cry and little rain.

As for some pictures (scenes near the user's home) sent to users, they are often taken out by the diners themselves, and the location address is the user's address, and the takeaway staff is entrusted to take pictures.

4, P-picture fraud, sending text messages under the guise of official name

In the process of collection, in order to improve the authenticity of things, collectors often forge some materials such as contract cancellation, lawyer's letter, blacklist height limit order and so on. Depend on yourself, hoping to deter users.

However, if we distinguish carefully, we can find that these documents are not stamped with official seals.

In addition, the collection personnel will also send some risk warnings, contact relatives and other notification messages in the official name through third-party SMS platforms, such as 1069 SMS platform. However, if you distinguish carefully, you will find that there are spaces between some words. These are all because sensitive words are involved and they are worried about being intercepted. Official text messages don't send like this.

5. False promises

It is something that every debtor yearns for, and the collector just grasps the user's psychology, induces the user to repay on the grounds of reducing the fee, and says that it will be repaid this month and will not be repaid in the next few years, but in fact, the fee reduction does not exist.

Moreover, in order to prevent users from grasping the handle, virtual numbers or mobile phones are generally used to communicate with users.

Wait until next month, when the user is overdue again, the collection phone will arrive as scheduled, and then continue to withdraw cash, indicating that it is necessary to continue to repay 1-2 months before the previous plan can continue to take effect. Anyway, one more month can make users pay back one more month.

In addition to overdue, bad long-term loans will also be included in the online loan blacklist. Specifically, you can check your long-term loan. Recently, multi-head lending is mainly the application of individuals in lending institutions. I suggest that you slow yourself down and stop all lending-related operations within three months. After three months, the natural risk index will be reduced and the blacklist will be eliminated.

Third, what will happen if the online loan is overdue?

After the borrowed online loan is overdue, the platform will generally adopt the following collection methods.

1. During the short overdue period, the borrower is mainly reminded to repay the loan as soon as possible by sending text messages and calling.

2. If you don't respond by texting or calling the borrower, you can call the borrower's emergency contact to ask about the borrower's recent situation according to the contact information of the emergency contact left by the borrower when applying for a loan at that time (note that someone may get the borrower's address book information and call relatives and friends in the borrower's address book).

3. If there is no response to repeated dunning and it is overdue for a long time, some loan platforms may give up the collection on their own, but they will be outsourced to a special dunning company for collection later, and the dunning company is likely to come to the door for collection.

4. If the borrower has been evading repayment, the platform can't even contact anyone, and the amount owed is relatively high. In order to recover the money, the platform may also bring a lawsuit to the court to achieve the purpose of letting the borrower repay the loan as soon as possible through legal means.