Nowadays, many friends will apply for online loans, but if they do not have a reasonable repayment plan, spend casually, and overdraw their income, then they are likely to be unable to repay. At that time, online lenders will frantically collect debts from borrowers, and may even come directly to their homes. Therefore, the editor has compiled the following information to explain how to deal with online loans that are overdue and come to be collected. How to avoid it?
1. What to do if an online loan is overdue and comes to you for collection
In fact, if an online loan platform says it wants to come to you for collection, the lender cannot stop it and can only respond proactively. Lenders don’t need to be too scared; many collection agents simply understand the situation and won’t do anything to the debtor.
Lenders can also negotiate with the collection staff and turn on the recording on their mobile phones to prevent any conflicts or violations.
Generally speaking, there will be two people coming to collect the debt, and the lender will be notified in advance. After the collection personnel come to the door, the lender can also ask them to produce the corresponding certificates. If they are not available or incomplete, the lender can refuse the collection personnel to enter the door.
2. How to avoid door-to-door collections for overdue online loans
After an online loan is overdue, if you want to avoid collection agents coming to collect the money, what the lender needs to do is to repay the loan as soon as possible. As long as the lender makes repayments, even if the overdue money has not been paid off, the collection frequency of the collection staff will be reduced, and no one will come to collect the money.
And if the lender cannot repay, you can also try to apply to the collection staff for negotiated repayment. After receiving the agreed repayment application, the lending institution will review the borrower. After passing the application, the online loan platform will naturally not come to collect the loan.
The cost of door-to-door collection of online loans is very high. Unless the borrower's overdue situation is particularly serious or the overdue amount is high, and the location of the lender and the location of the collection agency are in the same area, there will be no door-to-door collection personnel.
3. Is it true that overdue online loans are collected by door-to-door collections?
Is it true that overdue online loans are collected by door-to-door collections? After online loans are overdue, if the overdue amount is high, the overdue time is long, and the overdue situation is poor, online loan institutions can indeed arrange for collection personnel Door-to-door collection. However, if the overdue amount of the online loan is small and the overdue time is not long, the online loan institution will mainly focus on collection. The cost of door-to-door collection is relatively high. If the overdue situation is not very serious, door-to-door collection will not be carried out.
However, door-to-door debt collection must have corresponding certificates. Some online loan platforms are not formal, so they do not have the corresponding qualifications, and they do not have the authority to door-to-door debt collection. If such online loan platforms come to collect debt, they can collect evidence and then file a complaint with the China Banking Regulatory Commission.
In short, everyone has a good understanding of how to deal with overdue online loans and door-to-door collections. If the borrower's overdue time is not long, or the overdue amount is not high, the online loan platform will not come to collect the money so easily. , after all, door-to-door collection consumes much more manpower and material resources than phone calls and SMS collection.
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