Some people say it was borrowed by you and me, while others say it wasn't. It is said that many of the calls from this phone are loan advertisements. However, the current online loan companies will basically not say which one they are when collecting money, for fear of telephone recording.
Suggestion: Choose online loans carefully and pay off debts in time.
1. Call back after lending.
Many platforms will call the borrower to pay a return visit after the first loan, consult the borrower's fund use, repayment situation and basic living conditions, and make corresponding reminders to ensure that the borrower can repay in time. In addition to telephone return visits, the platform will also conduct on-site return visits and face-to-face return visits when necessary.
2. Telephone collection
The so-called telephone collection means that the collection personnel in charge of loan management reach an agreement with the borrower through telephone communication, combined with computer systems and peripheral auxiliary tools, so as to achieve the purpose of debt recovery. Different from face-to-face collection, telephone collection is characterized by relatively hidden communication between the two parties, which avoids all kinds of embarrassment during the interview. When calling for payment by telephone, first of all, the collection personnel will be clear about their goals and stand firm. In the process of communication, collectors often adopt a polite, euphemistic, gentle and neutral attitude, but they do not exclude straightforward and straightforward practices.
3. Highlights of foreign visits
After the telephone collection fails, the staff of P2P platform will take the most direct foreign visit collection. As far as overseas collection is concerned, it is mainly to make up for the shortage of telephone collection. On the basis of telephone collection, it is also necessary to visit borrowers overseas on the spot to improve the intensity of telephone collection and form a three-dimensional sense of oppression. Foreign visits and collections not only visit borrowers themselves, but also visit their relatives and neighbors to understand the situation and urge them to repay. Visiting abroad for collection is a very direct and effective way of collection, which has been adopted by many financial institutions.
4. Subcontract collection
Outsourcing collection refers to entrusting a problem case to a qualified outsourcing collection company for collection, rather than collecting it yourself. Compared with other collection methods, outsourcing collection can save the platform's manpower and material resources, and can make better use of the professionalism of outsourcing collection companies to recover debts. However, its disadvantage is that it needs to provide corresponding fees to professional collection companies, and the cost is relatively high.
5. Litigation collection
Litigation collection mainly refers to collection by bringing a lawsuit to the court. The types of litigation include civil litigation and criminal litigation, and civil litigation includes mediation and judgment. Mediation can also be subdivided into pre-litigation mediation and litigation mediation. Usually, the litigation we are talking about mainly refers to civil litigation, and only a few debtors suspected of fraud can handle it through criminal procedures. Its characteristic is that it can use the majesty and coercive power of the country to deter and sanction the debtor, so as to realize the successful recovery of the arrears, and it can solve certain disputes through the judgment of the court, with long cycle and high cost. At the same time, it is worth noting that the people who collect debts through litigation are mainly borrowers who have the ability to repay but do not.