What should I do if the online loan personnel come to the door for collection?

What should I do if I am called to collect money?

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.

Today, the online loan came in. What should I do?

If you encounter online loan collection, you can deal with it in the following ways:

1, SMS/phone call collection: the person to be collected can change his/her mobile phone number, install the harassing phone interception APP, and set the white list mode.

2. Lawyer's letter collection: The online loan collector will remind the borrower to repay the loan in the form of a lawyer's letter. If the loan products of the online lending platform belong to usury, it is illegal in itself, and these dunning letters have no legal effect.

3. Contact your family for collection: If friends and relatives around you are always harassed by the collection staff, you can report the number to the operator, usually more than 3 times, and the number will no longer be able to send messages and make phone calls.

Overdue online loans will also affect users' online black index scores, if the online black index scores are too low. The low score of the Internet Black Index will not only affect the success rate of online lending, but also affect the user's flower beds and loan amount, and even lead to the closure of flower beds and loans.

The impact of the blacklist of online loans on individuals is to apply for new loans, which is difficult to approve again. Although online lending is very convenient now, we must spend rationally, pay attention to repayment on time, and maintain our credit record. Long-term application for online loans must pay attention to your own online loan big data to prevent it from becoming a blacklist of online loans because of blind application.

Just search: Sixi data. Click Query, enter information to query your own 100-line credit data, which come from the national online lending platform and UnionPay. Users can query their own big data and credit status, obtain various index data, and query their own personal credit status, blacklist status, online loan application records, application platform types, online loan credit line estimation and other important data information.

Compared with the central bank's personal credit report, online lending big data has a wider scope and more diverse institutions. It is a part of personal credit records and a useful supplement to the traditional personal credit report.

How to deal with overdue violent collection of online loans?

What should I do if I receive a dunning message after the online loan is overdue? We can start from the following aspects:

1. Pay off the debt as soon as possible.

After the online loan is overdue, you must pay off the arrears as soon as possible, because many online loans have high interest rates. Once overdue, there may be a high overdue fee. In addition, some online loan products need to conduct credit investigation, or cooperate with Sesame Credit. Exceeding the time limit will affect personal credit. Therefore, after overdue, those who have repayment ability should repay as soon as possible, so as not to affect personal credit or incur high penalty interest.

2. Borrow money from relatives and friends

If you can't repay the loan temporarily after the deadline, you can choose to borrow money from relatives and friends to solve the urgent need. After all, the cost of overdue online loans is higher than the cost of borrowing money from friends.

Collect evidence

If the online loan is overdue or threatened by violence, evidence must be collected and reported to the relevant departments when necessary.

Overdue online loans will also affect users' online black index scores, if the online black index scores are too low. The low score of Internet hacker index will not only affect the success rate of mortgage, but also affect the user's flower beds and loan quotas, and even lead to the closure of flower beds and loans.

The impact of the blacklist of online loans on individuals is that they are applying for new loans and it is difficult to approve them again. Although online lending is very convenient now, we must spend rationally, pay attention to repayment on time and maintain credit records. If you apply for online loans for a long time, you must pay attention to your online loan big data to prevent being blacklisted because of blind application.

Just search: quick card test. Click Query, enter information to query your 100-line credit data, and find this WeChat applet. The data comes from the national online lending platform and UnionPay. Users can query their own big data and credit status, obtain various indicator data, and query personal credit status, blacklist status, online loan application record, application platform type, etc. Important data information such as online loan credit line estimation.

Compared with the central bank's personal credit report, online lending big data has a wider scope and more diversified institutions. It is a part of personal credit record and a useful supplement to the traditional personal credit report.

What should I do if I call for online loan collection?

Coping methods of telephone collection are: coping style, door-to-door collection, telephone collection is also the most commonly used collection method, take the initiative to complain and notify colleagues.

1, coping methods.

Complaint acceptance, clue transfer and information statistics of bad and junk information in information communication networks such as telephone networks. You can complain by phone, at least to some extent, to curb this spam message.

2, door-to-door collection.

Most of them are done by the third-party outsourcing team, which is usually called door-to-door collection, and there are two situations. The first is to visit regularly, including sending letters, looking for relatives and friends, looking for leaders, and exerting pressure through relevant personnel. Regular door-to-door collection will basically bring mobile phones, cameras, contracts and other materials, and some may even bring lawyers. Basically, employees of the company go to the door directly to understand the situation, and there will be no excessive collection behavior, mainly causing psychological pressure on debtors and their families, but these are within the scope of legal compliance.

3. Telephone collection is also the most commonly used collection method.

Because its cost is relatively low. Telephone is generally divided into three types: VoIP, fixed telephone and mobile phone without real name. Internet phones can't be dialed back, and the numbers are all over the world. On the phone, Xiao Cui will use all kinds of tricks, both soft and hard, and even irritate you, deliberately inducing you to talk about malicious debts.

4. Take the initiative to complain.

You can directly contact the online loan customer service to complain that it is illegal to call the company without losing contact. If the collection insists on calling, you can only go to the relevant institutions.

5. Inform colleagues.

It's easy to call for your company's phone number, and you can't stop it. You can tell your colleagues who answer the phone in advance that if someone asks for you, they have left their job or let them ignore it.