What should I do if the online loan is overdue? If the online loan is overdue, I will make dozens of calls every day to urge repayment. I suggest the following:
1. Pay off overdue debts. As long as the overdue arrears are paid off, the online lending platform will naturally not be dunned.
2. If you can't pay off the overdue debt temporarily and don't want to continue to be urged, you can take the initiative to contact the customer service staff of the online loan platform to negotiate, inform the other party that you can't repay the loan temporarily, and provide corresponding information support, then express your sincere repayment ideas, and then try to apply for an extension of the repayment period and repayment in installments. The online lending platform will consider it as appropriate. If the negotiation is successful, the online loan platform will suspend the collection.
3. If the online loan platform fails to negotiate deferred repayment, you can try to borrow money from relatives and friends for repayment, and then consider returning it to relatives and friends after the online loan is paid off (relatives and friends will better discuss the repayment time).
Moreover, everyone needs to pay attention. Usually, it is best to develop the good habit of repaying on time and try to avoid overdue repayment. If it is overdue, you must not directly avoid not paying back, otherwise the online lending platform will not call back and may come to the door in the future.
What happens when the online loan is overdue and dozens of calls are not answered every day? 1. Three months before the loan is overdue, the loan platform will collect the loan. If the borrower doesn't answer the phone, he will make multiple calls every day.
In addition, online loans need to provide more than three emergency contact numbers. Generally fill in the phone numbers of parents, brothers and sisters, and the loan platform will directly contact the emergency contact person to explain the reasons why the borrower does not repay.
If the borrower changes his mobile phone number, the professional collection company will be responsible for repayment after three months. The collection company will inquire about the borrower's information through various channels. Even if you change the number, you can find the mobile phone number you are currently using.
2. Collect from house to house. For borrowers who don't answer the phone for many times, change their mobile phone numbers and don't repay for a long time, the online lending platform will contact the local collection company to go directly to the borrower's household registration, and contact the local village director or neighborhood Committee to explain the loan situation in the borrower's home.
3. High penalty interest and liquidated damages. The interest on online loans is very high. Penalty interest and liquidated damages will continue to accumulate, and the repayment pressure will be even greater.
What should I do if I borrow more and more online loans? If you borrow more and more online loans, it is suggested to deal with them as follows:
1. Stop lending and don't apply for new loan products for the time being, so as not to increase debt.
2. Loans that have been borrowed but not repaid should be repaid as soon as possible, especially those that are about to be overdue or overdue. If you can't repay the loan temporarily, you can take the initiative to contact the customer service of the online loan platform to negotiate and try to apply for an extension of the repayment period and repayment by installments. The online lending platform should be considered as appropriate. If the negotiation is successful, the online lending platform will naturally formulate a repayment plan that meets the borrower's current repayment ability, and then repay according to the new plan.
3. Pay attention to repayment. If it is found that illegal online lending charges high interest and there is a phenomenon of "rolling interest", so it is unable to repay, please refuse to repay, or obtain evidence and report to the local CBRC or China Internet Finance Association. If you are often forced to ask for money and disturb your normal life, you can also bring a lawsuit to the court when the dispute is unclear, and you can also report the case to the public security department when necessary.