How to deal with the door-to-door collection of small loans

What should I do if I call and say I want to come? Don't be afraid to do it well.

If the loan is not repaid on time, it will definitely be collected after it is overdue. In addition to SMS collection, the loan platform will also collect. Some borrowers will come to the door if they don't pay back the money on the phone, and many borrowers will be a little scared. Then, what should I do if the collection calls and says that I want to come to the door? In fact, you don't have to worry too much about doing these things well.

What should I do if I call and say I want to come?

First of all, we must determine how feasible it is to close the door. Like most collection calls, they just talk to scare borrowers into paying off their debts as soon as possible. However, if the collection phone number is a local number, and the overdue amount of the borrower is more than 5,000, and the overdue time is more than 3 months, then it is very likely to actually come to the door.

Secondly, even if the collection really comes to the door, don't be too afraid. You know, the borrower is only overdue, and it is a civil dispute at best, and it is ok to pay back the money. Moreover, even if the borrower owes money, he has the right to safeguard his legitimate rights and interests. Borrowers can refer to the following practices:

1, full audio and video recording

After the collection, the borrower shall record and video the whole process. Most collectors are actually measured when they come to the door, and most of them have a thorough understanding of legal research. Generally, they will only force the borrower to repay the loan through verbal stimulation, and will not easily have physical contact with the borrower.

However, if you are not afraid of 10 thousand, you are afraid of one thousand. It is not excluded that individual collections will be violently collected, such as verbal abuse, or hands-on to borrowers and other family members. As long as there is a record of illegal behavior, you can complain as evidence or call the police directly.

2. Don't charge money.

Many people are persuaded after the collection, and will add a collection to WeChat to transfer the money owed, or directly collect the cash and let them repay it on their behalf. Doing so is risky, because the money is likely to be taken away directly and will not really help the borrower repay.

Even if the borrower wants to repay, he can only repay through the channels of the loan platform, such as paying back the money on the loan platform APP or transferring the money to the collection account given by the loan platform.

The above is the introduction of "how to call and say that you want to come to the door", I hope it will help everyone.

What about the collection at home?

After the credit card is overdue, it is legal for the bank to visit at home. The debtor needs to pay attention to it and try his best to cooperate with the bank, but he should not be too nervous, let alone choose to escape or ignore it.

There are detailed regulations on the process of banks' overseas inspection, and it is illegal to exceed this regulation. Understanding the top-level processes of banks also helps debtors to handle their debts well.

1. Departure: The collection staff will not come to the door alone. Usually, there will be two foreign visitors at each door, carrying the debtor's credit card collection materials, letters of introduction, voice recorder and camera.

2. Notice: The bank will call the cardholder to explain the door-to-door time, and the person in charge will record the arrival time and inform the foreign visitors of the specific location and door-to-door time at any time.

3. Photographing and recording: Foreign interviewers take photos and record the surrounding environment of the target address, and record the whole process.

4. Visit: If the cardholder is found during the visit, the foreign visitor will immediately identify himself and indicate his purpose, check the customer's mobile phone, home phone number and contact address, and ask the customer to sign a reminder or lawyer's letter. If the debtor is absent and relatives or family members are present, the foreign interviewer will inquire about the relationship between the related party and the debtor in detail, understand the debtor's economic situation and current situation, ask the related party to convey repayment information and ask the related party to compensate as appropriate, and finally ask the related party to sign a dunning notice or lawyer's letter on its behalf.

If no one is at home, the interviewer will call the cardholder's home first, pay attention to whether there is a phone ringing in the door, and then call the debtor's mobile phone to check the home address. At the same time, experienced foreign visitors will visit and investigate around the debtor's residence, looking for the cardholder's neighbors, property, neighborhood committees, village committees, film police, security guards and so on. Collect relevant information of cardholders. If the cardholder has a fixed private email address, the foreign interviewer will put the legal notice in an envelope marked "Please don't open it unless it is my own" and put it in the borrower's email address.

Is there any good way to overdue collection of online loans?

Foreword: For online loans, it is very likely that there will be some door-to-door collection. If the situation is light, you will lose face. If it is serious, you will face a situation of trouble. Debt collectors go on the rampage, and debtors are on tenterhooks all day. After such a situation, people are really worried about the following small series, so I will share with you some better ways to deal with it.

First, the negotiation process

For some more formal online lending platforms or banks, their staff generally do not collect money in person. If there is a door-to-door collection, it is likely to be some debt collection companies outsourced by banks or online lending platforms. For these debt collection companies, the means they use are inferior. As we all know, these debt collectors can't enter the house without the permission of the parties. In case of forced entry, we can call the police. The best way is to negotiate between the two sides.

Second, keep the evidence.

Some debt collectors use methods that make people feel speechless. If you find violent challenges such as insults, harassment or abuse, you can resolutely fight back and keep some evidence. For some debt collectors, they will know the psychological characteristics of debtors in advance. At this time, you must ensure your own life safety. Now it is a society ruled by law. If we find such a serious matter, we can handle it through formal channels.

Third, take the judicial route.

Some debt collectors, when collecting debts, use all kinds of violence or wander on the edge of the law. At this time, judicial channels can be used. Bian Xiao suggested that overdue behavior is terrible, which will affect your credit information. We'd better borrow money to fill this hole, develop good consumption habits and stop lending online.