(1) Social security, provident fund and other materials submitted when applying for a loan.
When we apply for a loan, the lending institution will ask us to submit and certify social security, provident fund and other information. In this information, the company or unit that pays social security and provident fund for us will be clearly displayed, and the collection staff of the loan institution can find the telephone number of our work unit according to this information.
(B) Address book analysis
When we apply for a loan and upload information, the lending institution will get the information in our mobile phone address book, from which the telephone number of our work unit will be separated from the fixed telephone information.
(3) Ask the contacts in the address book
When collecting customer service, the lending institution will consult our work unit by calling the address book, and then get the phone number of our work unit through online information or Aiqicha and other apps.
Second, how to deal with the phone call from the unit?
(a) take the initiative to answer the phone.
If the collection call to our work place affects our normal life, we can answer the collection call in time, explain our economic situation to the customer service of the lending institution, and ensure that we can repay the arrears in time. I hope the other party will not call the company. If the company dismisses us for this reason, there will be no income, which is not conducive to repayment.
(2) Report to the operator to which the number belongs.
If the collection phone will still call the company after we communicate and negotiate with the customer service of the lending institution, we can try to complain to the operator with the collection number displayed. Once the operator verifies that the situation is true, it will warn and ban the users of the collection number, thus solving the problem of harassment of the collection phone.
The collection customer service of general lending institutions will use different mobile phone numbers or virtual numbers to dial, which can only alleviate the harassment of collection calls to a certain extent.
(3) Take the initiative to contact the lending institution for repayment.
The fundamental reason for the harassment of telephone collection is that we are overdue in repayment, so to fundamentally solve the problem of telephone collection harassment, we still need to take the initiative to contact the customer service of the lending institution and negotiate with the other party calmly about repayment. As long as we avoid the negative impact of overdue as soon as possible and pay off our debts as soon as possible, our normal life can no longer be disturbed by collection calls.