Debt collection companies are debt collection companies specially set up for some institutions or individuals. Some of these companies often take drastic measures to promote their business. On October 29th, 2065438+0210/KLOC-0, many banks in Nanjing publicly admitted to cooperating with third-party debt collection companies to collect debts from citizens, and the management system and personal integrity of banks once again became the focus of social attention.
1 and M 1 period: the continuation of M0 period, that is, uploading the credit record to the credit information system of China People's Bank on the second unpaid billing date and the second bill on the last payment date may affect the housing loan or credit loan.
2. At the same time, late fees will be charged. If it is before the second payment date, only one late payment fee will be charged; Otherwise, double interest will be charged, and the interest will be compound interest of the current arrears! During this period, banks will generally remind large customers, that is, the collection staff of the collection department of a credit card center will call to remind them to repay!
3. Some banks don't collect money during this period and earn more late fees and interest.
4. The continuation of paragraph M2:m 1, that is to say, the date of the third unpaid bill and the last payment date of the third bill have a great influence on the credit record, and the credit record of the banking industry will be stained, which will have a great influence on the future, so as to find a bigger corporate loan. We will charge a late fee.
5. If it is before the third payment date, the second late payment fee will be charged; Otherwise, for three times, the interest will be compounded according to the current arrears! During this period, banks generally use the method of repayment, and the relevant collection personnel call to inform them of the impact of their credit records and the consequences of non-repayment, and contact relatives and friends of the debtor to help remind them of repayment.
6. Some banks are very tough in collection, and even some collectors pretend to be relevant lawyers to put pressure on debtors. However, some banks are weak in collection, and only do collection during this time!
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