I heard that their company has a rule that how many times to call you every day until you are impatient and collapse to repay the loan. If not, contact family and friends and expose the address book. If not, you give up being a customer. So you need to concentrate.
I encountered it during the epidemic, but my colleague's credit card was overdue, with an amount of more than 50 thousand. The recipient is my colleague's address book. From April last year to the end of the year, all the recipients called me to ask about my colleague's whereabouts and his family. I guess it hasn't been solved yet. It's best not to use credit cards when they are overdue, which will affect yourself and disturb your family.
I'm Liu Zhouzai, and someone called me liquidated damages, which is why I have this nickname because my credit card is overdue. Some people call me Brother Snowflake because I like to drink Snowflake beer. Almost every video of mine contains alcohol. Ok, let's not get to the point. Let's talk about how I survived the collection these days.
I won't introduce how these credit cards owe money.
I told you about the collection process. On the first day when the credit card is overdue, the bank does not collect it internally, but outsources it, which is equivalent to an intermediary company. For example, if you can't recruit people when you open a factory, you may be able to recruit people, but you are afraid of accidents to employees in the future. Are you responsible again? Therefore, the factory directly gives this job to the intermediary company, recruits people and signs contracts with the intermediary. What will happen to employees in the future? Find an intermediary first, the factory doesn't have to bear much responsibility, that's what it means.
When someone asks, my credit card is overdue, should I answer the phone? How do you explain it? What if you don't answer it? Will you accuse me of not answering the phone maliciously? Will you sue me?
I'll tell you my experience. I was also afraid of these problems when you and I started overdue. I answer every call, explaining that I have no money to pay back for the time being, but the collection has nothing to do with you. They just told you to pay back the money. Borrow if you have no money, borrow from friends, borrow from home, and trick you into putting a small part in. When you tell the collection that you can't lend it, you will use the law to scare you, and you may face it if you don't pay back a small part.
10 has several collection calls every day. I didn't answer any of them, and I have no money to pay them back. I don't answer them. What's the difference? Then simply don't answer, put everything down and look down. Don't you believe me when I say I have no money to pay back? Then why should I take it? Affect the mood, simply ignore it and calm down to make money. This is the way out.
And the collection phone number is also fake. He can call you, but you can't call him. What should I talk to you about? I don't even know you, do I? I answered your phone this morning and this afternoon, not the same person. This is harassment. I ignore you, and I want to live for a few more years, or I'm tired of answering the phone every day.
On the way overdue, I gave up everything that did not belong to me. For example, I don't worry about things that don't belong to me. I gave up everything that didn't belong to me and started from scratch. Now I know that making money is the solution to the problem.
You have the right to call me, I admit it, I admit it, but there is no law that calls must be answered. There is no such rule at present, so it is not illegal for me to answer the phone.
Of course, this is not a good feeling!
I have five credit cards, namely Communications, ICBC, Zheshang, Xingye and Ping An, which are basically overdue. I have called them and told you about the collection situation of each family!
The transportation fee is less, and there are more than 2000 yuan. The least I can do is remind me that there are still about 400 a month.
ICBC's 1 10,000 yuan has been paid back more than 2,000 yuan in succession before, but the monthly interest and liquidated damages have been paid in, and they have not been paid back after the end of the year. Try to pay it off twice in the first half of the year! There is nothing wrong with collecting, just discussing reminders;
Zheshang just returned 12 10 and 10000 today. It is said that it is preparing for negotiations, and there is nothing wrong. All this is in the tone of negotiation;
When Xingye and Pingan add up to more than 60,000, it is very general. There is a third party, and the tone is not good. I talk to them directly, and they have no good way. I also complained directly to them, which is much better. I am now preparing and negotiating repayment, otherwise I will be in trouble later!
Now I am almost immune to collection, and I can basically cope with various means or tones. If you say anything about fraud, hearing, calling the police, etc. , I am swearing directly!
Paying debts is a matter of course! If you can negotiate, try to negotiate. Sooner or later, something goes wrong, so we have to face it bravely! Never give up on yourself, time can solve all problems!
There will be an assembly after the deadline.
First stage 1 to 60 days, overdue gentle collection stage.
In the second stage, from 6 1 to 180 days, the third-party collection efforts were intensified. Various collection methods are incisive.
The third stage is 18 1 to 360 days. Slowly start playing emotional cards with you.
Overdue for more than 360 days or even a long time may form bad debts.
It is still necessary to sort out debts and plan repayment reasonably. You can return to normal life as soon as possible without collecting.
I have personally experienced the collection of China Merchants Bank and the internal development to the third party. Actually, it's not as terrible as I thought. There's nothing I can do to insist on paying back the money. You are unhappy from time to time and call me to scold me. Ask me what attitude, and I'll tell him what attitude you want. I won't have an attitude of not paying back the money or anything. We still have to work hard to increase our income. At the end of this year, we only eased a little, and we still have some surplus to pay back. I didn't expect to catch up with the epidemic again. The community was closed and the income was reduced by more than half. This situation is not that we don't want to return it, and there is really no way.
Due to the overdue of bank credit cards, banks will inevitably have some "excessive" behaviors in the collection process. Many people come to consult what to do. So how can cardholders protect their legitimate rights and interests today?
First of all, what kind of attitude should overdue cardholders face when collecting money from banks and third parties?
There is an old saying in China, "It's only natural to pay back debts". No matter who you owe money to and how much you owe, you need to pay it back. This is also the unchanging truth since ancient times. Not to mention the bank's credit card, because the bank's credit card is protected by national laws, and if it is not handled properly, it may also bear criminal responsibility. Therefore, at this time, our cardholders should have this mentality in collecting money from banks. If you owe you money, you can rush it.
First of all, the bank's collection is legal, but if it goes beyond the legal scope, we should boldly stand up and say "no".
No matter which bank he is, state-owned, commercial or private, as long as the cardholder's credit card is overdue, there will be a collection, but all banks' internal collection is mild, and some banks may have a fierce collection, but in all banks, the internal collection will not be too intense. For example, the state expressly stipulates that if you can contact me, you can only call me, and it is forbidden for banks or third parties to harass your family or not to call more than twice a day. As for door-to-door collection, in fact, it is forbidden in principle, and the relevant documents for collection must be delivered by post. This is just a principle. If it is really necessary to come to the door, the number of people who come to the door shall not exceed two. This law has been promulgated long ago. Without the consent of the debtor, the door-to-door personnel shall not enter the debtor's residence, let alone restrict the debtor's freedom.
If the above-mentioned prohibited collection behavior exists in the collection, then the debtor can directly complain to the bank.
"Excessive" collection behavior basically comes from third-party companies, and complaints can basically put an end to this situation.
This kind of collection behavior basically comes from the third-party collection company entrusted by the bank. Because banks are subject to too many restrictions on collection, it is useless for many debtors who are actually able to repay but maliciously default. Moreover, due to various cost reasons, it is impossible for banks to complete the collection task alone.
Therefore, banks generally entrust a third party to collect long-overdue debts. Of course, now that the state has introduced regulatory policies, many third-party collection companies have converged. Many old companies, more professional companies, simply won't bomb these low-level old routines by phone to collect money. However, many new collectors of new collection companies have to take these "bargain-hunting" collection behaviors because of their lack of experience. Therefore, in this case, there is every reason to complain about these behaviors.
Who can I complain to after encountering "excessive" and "violent" collection behavior?
In fact, in the previous article, I also summarized it for my friends, but I summarized a lot at that time. Maybe many friends don't know how to choose. I'll tell you about it today!
The first one: the bank
If the debtor is collected by a third-party collection agency and his legitimate rights and interests are infringed, he may directly complain to the bank. As long as you have clear evidence, the bank will process it faster than you think.
Second: Mediation Center
Every region has a mediation center of non-profit organizations, which specializes in accepting disputes of financial institutions. Call the local mediation center to clearly inform the process and demands of the problem, and the intervention of mediation agencies is also a way to solve the problem! The telephone numbers of mediation agencies in various regions can be inquired in Baidu. If you can't inquire, you can send a private message.
Third: the local banking regulatory bureau
The Banking Regulatory Bureau is the direct supervision institution of banks, and its authority and responsibility are: under the authorization of the State Council, to uniformly supervise and manage banks, financial asset management companies, trust and investment companies and other deposit-taking financial institutions, and to safeguard the legal and steady operation of the banking industry.
When a third party is found to have illegal collection behavior, you can call the local banking regulatory bureau to report it. Of course, you should complain to the bank as soon as you find the problem. The problem of complaining to the banking regulatory bureau is that the banking regulatory bureau, as a national department, usually has many daily affairs, and there is a certain lag in dealing with such problems. Of course, this is not the problem of the banking regulatory bureau itself. It is just that there are too many complaints received. If we have to deal with them one by one, the time may not be so fast, and we may not reply directly without sufficient evidence.
But to sum up the suggestions, it is best not to complain directly to the banking regulatory bureau, because if the banking regulatory bureau complains, you are equivalent to indirectly hitting the bank, which is equivalent to directly angering the bank, which is unreasonable for the debtor itself. In practical application, it may bring you more adverse effects, such as a large amount, more than 50 thousand, enough to put on a criminal case. The bank originally held the mentality of receiving first, but it is very important for you to complain directly to the banking regulatory bureau.
On the other hand, whether you go to the banking regulatory bureau or complain inside the bank, it will cause losses to one of them. For example, if you go to the banking regulatory bureau, the third-party collection may be directly replaced by the bank, damaging their indirect interests. In fact, in the current market, people who collect money are mixed, and the overall quality is relatively low. Based on the starting point of an old saying, "It is better to offend a gentleman than a villain", I suggest you contact the bank first. Explain the specific situation of some excessive collection, and inform the bank that if the "excessive" collection by the third party continues, it will go to the relevant departments to complain, which is the most reasonable way to deal with it. it wont hurt you to try it
I experienced it once at the end of 20 19 and countless times in 2020. Only those who have experienced it know the taste. At the end of 2065438+2009, the first card was overdue for two months. I was scared when I received the phone call, so I quickly patched up the loan. As a result, the loan was completely lost. In the autumn of 2020, all credit cards and online loans were overdue, and at least 15 calls came in every day. Later, China Mobile automatically blocked those high-frequency phones, saving me time to deal with other things. What impressed me the most was microfinance. At the end of 2020, the small amount of loans overdue was about 1 10 days, and the Foreign Ministry contacted me and asked me to come to work and live to see the actual situation. Because the people in the Foreign Affairs Department are from the Northeast, it feels right to talk to him. Anyway, they have the requirements of call time and number of calls every day, so I talk to him for a long time every time the phone calls in. Every time I confess that I have no money to pay back, so they can't help it. Fortunately, after consultation, the collection of micro-loans was finally stopped, and it was slowly repaid in 36 installments. Later, when something happened, I bragged with that northeast buddy, haha
As long as it is overdue, we must be prepared for harassment, intimidation, bankruptcy, address book explosion, home visits, lawsuits and imprisonment! You can't lose your life, you have to be skinned! So once overdue, especially credit cards, it is the best way to realize and raise money as much as possible.
Yes, I'm experiencing it now. Due to the epidemic this year, my credit card is completely overdue. At the same time, various collections began. What prosecution? Go door to door, notify parents. This experience is too difficult.