1, all kinds of collection methods are always open: once overdue, you will receive a reminder from the lender, the content of which is roughly that you are overdue and pay it off as soon as possible. At this time, if you continue to let it go, you will receive many calls and text messages for collection. After more than 20 days, you will send a lawyer's letter to the borrower and file a lawsuit; Records overdue for more than one month will be published on the platform of Lending Network.
2. The high overdue fee makes you collapse: basically, as long as you are in loans overdue, you will be fined. As a punishment, the interest rate and penalty interest will increase with the increase of overdue time, just like a snowball. When you have to pay back, the loan amount+interest+overdue management fee * time = final repayment amount will shock you.
3. Bad discipline stays in the credit information system: the online lending platform is also connected to the credit information system, so once the serious bad credit information record is overdue, it will be uploaded to the credit information system, and even affect your future car purchase.
Extended data:
Entrusted litigation: In order to protect the interests of lenders and enable lenders to defend their rights in lawsuits against overdue borrowers more quickly and conveniently, Lending Bao launched the function of "entrusted litigation". That is, for borrowers who are overdue for 76 days, lenders can use the one-click entrustment litigation function on the Lending Treasure client to entrust the platform to file a civil lawsuit against each overdue debt.
Access to the central bank's credit information system: At a certain time in loans overdue, the relevant records of overdue users will be transmitted to the central bank's personal credit information system. In addition to uploading overdue information to the central bank's personal credit information system, Lending will continue to cooperate with third-party credit information agencies such as Qianhai Credit Information, Shanghai Credit Information and Pengyuanzheng Credit Information.
Establishment of Deep Blue Guardian: led by the Legal Department of Lending Bao Company, a special working group of Deep Blue Guardian was established in conjunction with risk control, collection and customer service departments to track and deal with the problems collected by the complaint hotline and internal reporting channels, and resolutely crack down on illegal acts in the process of lending.
Baidu encyclopedia-lending treasure