The threshold for applying for online loans is low. Many people borrow money from online loans when they are short of money, but they don't pay back the money for fear of being called to collect it. This is actually possible, but don't panic even if someone approaches you. You can deal with it in the following ways. Let's have a look.
1, what will happen to online loans?
If the amount owed is not large, only a few hundred yuan, this situation will generally not come to you. The collection staff said on the phone that they would come to the door to collect the lawsuit, which was all a bluff. And if the amount owed exceeds a few thousand dollars, it is likely to come to you. Thousands of dollars are not small money, but whether it is specific or not, this should also take into account the collection cost.
However, if the collection cost is too high, it may not come to the door, but it may be collected by other means, such as SMS bombing and telephone harassment.
2. What if the online loan is not repaid?
If you don't have the money to repay the online loan collection, you should also show the willingness to repay and have a better attitude. Don't easily conflict with the collection staff, and don't take the initiative to pick things up. Remember to keep the evidence when the collection personnel come to the door. If there are threats and other illegal acts, they can complain or call the police.
Remember not to make money transactions with collectors. After all, many collectors are outsourced. You can't guarantee that they will return the money to the online loan company. For security reasons, the repayment should be directly returned to the account provided by the online loan company.
The above is "What should I do if I don't owe online loans?" I hope it will help everyone. In short, there are thousands of money owed to online loans. If you don't pay it back in a few months, you may come to your door. Once the collection personnel come to the door, try to solve it peacefully, talk as much as possible, and don't be impulsive. If the other party has violent collection and other behaviors, keep good evidence to complain or report to the police for rights protection.
Friends overdue, online loan collectors come to the door, you do it!
If a friend owes money and doesn't pay it back, as an emergency contact, he will definitely be harassed. Is it unfair and helpless to receive a few phone calls a day to ask you to help him repay?
Rabbit guessed that this kind of thing must have happened to more than one friend. First of all, if you are just an "emergency contact", it will have little impact on you. But some unscrupulous collections will tell you that you are a "guarantor" and ask you to repay your friends' debts. What is the correct way to deal with this situation?
When you receive such a call, you should immediately indicate that you did not apply for the loan yourself, nor did you spend it with the borrower. The lender knows nothing when applying for a loan, so it is not the guarantor of the lender's application for a loan, so you have nothing to do with the loan and have no obligation to repay it for the lender. The answer can be clear: no more harassment.
If the collection agency still bothers you after indicating its attitude, you can complain to the relevant departments or regulatory agencies. The state is currently rectifying cash loans.
In addition, take the initiative to contact the lender, explain to him that his fault has seriously affected his life, ask him to repay as soon as possible, and remind him not to set himself as an emergency contact. If you can't contact the borrower, you can try to contact his parents and family and ask them to convey it on their behalf. If your friend really doesn't care, don't give the contact information of the other parent to the collection platform because of harassment. After all, there is nothing wrong with parents. Although it is selfish to make you an emergency contact, we can't be so selfish! If there is really no way, just pull down the collection phone or set a strange number to avoid harassment.
If all the above methods fail, you can try the following methods!
Don't give up your friends easily.
Play the fool and pretend to be unfamiliar, and give him a delay so that he can face the debt positively. Don't disclose the address of the borrower, let alone the relationship between you, and pretend to be unfamiliar with the borrower. If the average collector finds that you don't even know the borrower, he will fall into a brain blank and don't know how to reply to you. At best, he will argue that you are lying, and then there is nothing he can do. After all, I don't know what the actual situation is by phone.
Emergency contacts don't have to use the party.
Secondly, when the borrower leaves a message as an emergency contact. It's too late to get rid of the relationship But don't be too old-fashioned
First, the emergency contact may not have the responsibility to pay back the money. Second, the emergency contact should be someone who has a special relationship with the borrower-relatives and close friends. If the platform does not verify the relationship, and we do not have such a strong relationship with the borrower, we can explain it to the other party. If the friend does lose contact at this time, we can return this glorious and arduous task to the collector himself.
Repeated harassment, such a response
The platform has the borrower's mobile phone number and service password, and knows the recent call records like the back of his hand. If you have been in contact with this evil friend recently, you are probably the object of harassment.
If the collector keeps harassing you, you can make up some lies and tell him that the borrower borrowed your money and didn't pay it back. You are a victim, too. You can also choose to record the content of malicious harassment, and then seriously tell the other party that the evidence has been retained. Call the police if you are harassed again, which can avoid the trouble of being collected again.
Learn from a painful experience, quit gambling and other bad hobbies, and avoid making friends.
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.