What does Tongren Mathematics Dispute Mediation Center do?

It is a loan collection organization. It is a public welfare unit authorized by the Bureau of Justice and cooperating with local courts. It is a non-governmental organization registered with the Civil Affairs Bureau. Currently, its project departments are spread across the country, with the main purpose of improving the efficiency of civil litigation and saving judicial resources. Mainly responsible for pre-litigation mediation of financial and property rights cases and promoting both parties to reach a settlement. The business covers data preservation, intelligent mediation, intelligent litigation, intelligent law enforcement, etc. The general work flow of the mediation center is as follows: The mediation center usually intervenes before litigation, or may intervene before litigation. In other words, the intervention of the mediation center generally goes through the preliminary collection process of the lending institution itself, which indicates that the borrower has already Seriously overdue.

1. Online loan collection methods:

1. Send text message notification: Online loan companies will send text message reminders to borrowers who are overdue for less than one week,

2. Call to ask: If the loan is overdue for about a week, the overdue person will receive a collection call from the online loan institution. If the person cannot be contacted, the small loan company will contact the emergency contact or the contact information of relatives and friends you left when you took the loan.

3. Conduct address book bombing: You will generally authorize the address book before taking the loan. For small loan APP, when you are seriously overdue, they will select some people you often contact for collection.

4. Door-to-door collection: This method of collection is too costly and generally only targets debtors with large loan amounts and long overdue periods. Please note that it is illegal to make verbal or physical threats when visiting to collect debts, and in serious cases, it may constitute a crime.

5. Request the court for adjustment, and a lawyer's letter or a reminder notice will be mailed to your residence.

6. Send a court summons by mail to prosecute directly.

2. Bank loan collection methods include the following:

1. If you are generally overdue within one week to half a month, the bank will send you a text message to collect the loan.

2. For those who have not paid for more than one month or a bill date, the bank will directly make a phone collection.

3. If the payment exceeds three months, the bank will send relevant personnel to collect the money from above.

4. If the payment is overdue for more than six months, the bank will directly initiate court proceedings.

5. If the debt exceeds one year, the bank will outsource the collection and transfer it to a collection company for collection, etc.

Generally speaking, the collection methods or behaviors of online loans are worse. Most bank collections use legitimate channels and methods.

3. The impact of overdue repayment of online loans

1. You have to bear higher overdue fees. For overdue fees, different online loan platforms have different names and charging standards. Whether it’s called overdue penalty interest, overdue management fees or other names, the fees will be very high. Therefore, if you are able to repay your loan on time, do not overdue it.

Second, you have to bear the pain of debt collection by the platform in various ways. Collection is generally divided into three stages: the first stage, when you are just a few days overdue, the platform customer service will warmly remind you that you are overdue and let you repay on time; the second stage, when the overdue time is relatively long, The platform customer service will give you a serious warning and you will face serious consequences if you fail to repay the money within the due date; in the third stage, if the money is overdue for a long time, the platform will start taking practical actions to collect the money. For example: the platform will continuously send you and your relatives and friends a large number of collection messages, which will seriously affect your daily work and life.