Pay back the money or seek legal solution.
Second, how to collect overdue loans every day?
According to the regulations, borrowers can complain and report 10 acts that threaten borrowers and their families, collect loans at home or at work and damage their reputation:
Complain to the Mutual Gold Association, 2. To report to the operator, press 3. Report to
None of the above is to teach you to maliciously default on loans to avoid repayment, but to deal with violent collection. As the saying goes, it is only natural to pay back debts. It is natural to repay the loan, and it is not difficult to borrow it again. However, if the loan interest is too high, you can or really can't repay it. You can also negotiate with the online lending platform to postpone repayment or pay less interest, instead of not paying it directly. Because of malicious default on loans, suspected of fraudulent loans. Once it is included in the blacklist of credit information or online loans, it will be very difficult to apply for loans in the future.
Open the WeChat homepage and search: Xiquan Data. Click "Query" and enter information to query your own 100-bank credit data, which come from more than 2,000 online lending platforms and UnionPay centers across the country. Users can query their big data and credit status, obtain various indicators, and query their personal credit status, online black index score, blacklist status, online loan application record, application platform type, overdue, overdue amount, credit card and online loan credit estimated amount and other important data information.
At present, the country is building an all-round "credit network" without dead ends, connecting the society and enjoying information, whether it is a credit report or a personal credit record, it is an important link. Protect your credit. Credit is the greatest asset and wealth for everyone.
Third, how to deal with loan collection
In the face of the loan company's collection, the most effective way is to pay off the arrears. If the loan is not paid, the following measures can be taken: 1. In the face of the loan company's collection, negotiate with the loan company, and should not "run away", not answer the phone, not return the text messages, which will further anger the collection personnel. We should negotiate with them in a friendly way, ask for a period of time, clearly express our willingness to repay, and return the arrears within a certain period of time. 2. Ask relatives and friends to help you repay. If the amount is small, you can try to communicate with your family and ask your parents for help when you repay. At least there is no high interest expense. 3. Work hard to make money. Actually, the loan hasn't been paid yet. In the final analysis, your repayment ability does not match the loan amount on the platform. If you are worried that you are overdue, I suggest you work hard and improve your ability to increase your income. Not yet. If you encounter violent collection, you can call the police and collect it normally. It is suggested that the borrower should try to pay back the money ~ You can negotiate with the small loan platform and make it clear that you will pay back the money. 1. credit card bill installment repayment If you apply for credit card consumption, you can try to apply for installment repayment and spread the amount every month, which will not only reduce the repayment pressure, but also cause credit stains. Second, find friends and relatives to help repay the loan. If the amount is small, you can try to communicate with your family and ask your parents for help when you repay. At least there is no high interest expense. Third, work hard and make money. Actually, the loan hasn't been paid yet. In the final analysis, your repayment ability does not match the loan amount on the platform. If you are worried that you are overdue, I suggest you work hard and improve your ability to increase your income. I hope the above content can help you.
Fourth, how to deal with the collection?
First, ask about the repayment politely. Send an email or fax to the customer about one week before the payment date agreed in the contract to politely remind the customer to pay on time. At this stage, you can properly "pretend to be poor" in communication with customers.
Second, the soft belt strongly emphasizes the contract. Two weeks after the payment date agreed in the contract, if the customer still has no intention to pay, send an official fax to the customer. At this stage, we should be both rigid and flexible, emphasizing that our funds are very tight. If we don't pay in time, we won't be able to continue supplying.
Third, the consequences should be strong enough. One month after the payment date agreed in the contract, if the customer still fails to pay and ignores the fax, a formal lawyer's letter will be sent to the customer. At this point, I have torn my face and need to be tough enough.
4. If all three steps are completed, the other party is still indifferent, only: go, file a case and submit the contract and the aforementioned fax and lawyer's letter to form a complete "chain of evidence".