Yes If the borrower's installment is overdue, and the collector calls me, I answer the phone and promise the repayment time, then installment will not call the emergency contact. Unless the collector calls the borrower himself, but I refuse to answer or the phone can't be dialed, installment music may call the emergency contact in a few days.
Will I call my contact after the installment payment is overdue?
Install the concert and call the contact. Usually, when users apply for installment loans, they have authorized the relevant information in the address book. Once the user is overdue for more than 3 days, the official will call. But the specific telephone time mainly depends on the overdue amount of the user. If the overdue amount is relatively small, the borrower will be directly asked for collection.
Staging Music is a high-quality staging shopping center owned by Lexin. Founded in June 20 13, it is the pioneer of the domestic installment shopping e-commerce model. Always adhere to the brand concept of "be happy and see better".
Staging Music Mall has established cooperation with many well-known brands such as Apple, Huawei, OPPO, vivo, L 'Oreal and Philips. , becoming the third largest Internet channel after JD.COM and Tmall. Staging Music Mall has also introduced e-commerce platforms such as JD.COM Mall, Xiaomi Youpin and Koala Haibu, and exported staging music service capabilities from many high-quality external platforms such as Xiang Yang Wharf and Mawei Cell. As of March 2020, the number of goods in installment music mall has exceeded 2 million.
Staging music has created a business model of micro-consumer finance on the Internet. At the front end of consumption, staged music has improved the shopping experience of users through cooperation with JD.COM and others; At the back end of creditor's rights processing, orange financing was launched in June of 20 14, and all creditor's rights were exclusively represented by stages, forming a closed-loop ecology of "self-production and self-sale".
By stages, we have enjoyed the investment from many top domestic and foreign investment institutions and well-known enterprises such as JD.COM, DST, Xianfeng Huaxing, Jingwei China and Bertelsmann Asia Investment Fund.
Is it legal to deal with the overdue installment music without contacting the address book?
If the installment music is overdue, I won't contact the address book. According to relevant information, installment music will not call everyone in the address book after the deadline. If it is overdue, the collection method is generally to call the lender to remind the repayment, and calculate the penalty interest to urge the lender to repay.
If the installment payment is overdue by one day, will you call the contact person?
Usually, if the installment borrower fails to repay the loan within a week or so, the online loan officer will call the contact in the address book. If at the early stage of overdue, the online loan official will also call the contact person to help repay the loan if the borrower cannot be contacted. If the contact in the address book is a family member, the phone number of the family member will be dialed first. If the installment music is overdue for more than 3 days, you will call the contact person. However, the specific time of calling is judged according to the overdue amount of the borrower. If the loan amount is small, it is mainly to call the borrower for collection.
If the installment is overdue by 1-2 days, the borrower himself will be contacted. If there is suspicion of malicious breach of contract, then installment music will start bombing the address book for collection. It is suggested to contact installment music or repayment as soon as possible after the deadline, so as to avoid the impact of collection calls on daily life. Whether it is consumption installment or cash loan, it has the characteristics of "intertemporal". More and more consumers use their future income to undertake current consumption behavior, which promotes the growth of consumer finance industry. There are very firm reasons behind this phenomenon, which can be seen from the contribution rate of consumer expenditure to domestic GDP.
The phenomenon of violent collection caused by consumer credit model has become a bad loan signal in the field of consumer finance. The reporter inquired about black cat complaints on the complaint platform and found that "harassing family members" and "violent collection" accounted for the largest proportion of the total complaints about staged music. Author: debt counseling tutor
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Overdue has always been the biggest headache for all borrowers, and many people have not made a good plan when borrowing. So on the repayment date, there is no money to repay the loan. And most people don't want to tell their families about this kind of thing, so they will only choose to overdue. However, which is more serious, the scolding after the family knows or the damage to the credit information after the deadline? I believe everyone should understand that everyone should have their own answers in their hearts.
First of all, I will not call the emergency contact.
Although overdue behavior is not loved by the loan platform, the loan platform will not push the overdue person to a dead end. As we all know, since we already owe money, it means that we have not asked our family for help. The platform also understands this truth and will definitely not call the emergency contact. Moreover, the overdue person will be given a chance within 5 days after the repayment date. As long as the loan is repaid within 5 days, there will be no stain. Therefore, if you don't want to have problems with your credit information and don't want to be a faithless person, you must repay it in time. A temporary embarrassment is nothing, and a bright future is what everyone should pursue.
Second, don't borrow money online.
In my opinion, even if there is a reason to need a loan, you should not lend on the online platform. Although the online platform does not require high-speed lending, it will pay a corresponding price for its advantages, and the interest is extremely high. Although you may think that the interest rate of online lending platform does not exceed 36%, if it is compared with the interest rate of banks, it is a world of difference. Therefore, I hope that all people in the society will go to the bank for loans if they need loans, and they must repay them in time to ensure that their credit information is no problem.