Is it true that there is a text message saying that a staff member has gone to the place of residenc

It is possible, but the probability is extremely small. Generally, after the loan is overdue, the loan platform will entrust a third party, that is, to hand over your file to a collection company, and they will find you to collect it. It is possible to contact your family and come to your home to collect the debt, the purpose is to hope that the arrears can be settled as soon as possible, so just pay off the arrears as soon as possible.

Customers who are unable to pay off their arrears for a while can take the initiative to call ** to the customer service for negotiation to see if they can apply for an extension.

Extended information: 1. What to do when an individual encounters door-to-door collection:

1.Door-to-door collection is entrusted to a third-party company, in which there are any kind of people, after the door-to-door collection, try not to have a head-on conflict with the collectors, and try to negotiate with them to repay.

2.When being collected at the door, it is recommended to use a recording device, people in this area are very experienced, they will not insult you, but they will provoke you, you must not be angry at this time, once you do it first, you will lose. You can use a voice recorder to use some voice information on your phone.

3.When you come to collect money, you must not hand over the money to the collector, but directly on the online loan platform.

Repayment, many collectors, when receiving the repayment, may be in their own pockets, do not hand it over to them directly, to avoid unnecessary trouble.

2. Loan overdue impact:

First, failure to repay within the time limit will affect the credit of individuals. The lender borrowed money from the bank and did not repay it by the deadline on their own personal credit report.

will leave a bad credit record. If you want to apply for a credit card or loan in the future, it will be difficult and will be rejected most of them, which will cause a lot of trouble to your production and life.

Second, the most direct consequence of not repaying the credit loan is high penalty interest, and you may also need to pay a certain amount of liquidated damages.

Even the principal and interest add up to a lot of expenses, and the result of not repaying the loan on time is to increase the financial pressure even more.

Third, if the loan is overdue, the lender faces various collections. Banks or financial institutions have their own collection systems, and after the lender is overdue, the primary collection will send you a text message and call ** to collect. If you don't pay it back for a long time, the degree is more serious, and there will even be face-to-face collection by the collector, and the overdue person should be prepared, or should find a way to pay off the money as soon as possible, so as to solve it.

Fourth, if the lender fails to repay the loan for a long time and the amount is relatively large, the lender may be sued by the financial institution. After the lawsuit is accepted and the court pronounces the judgment, the lender's assets may be seized. This is a "repayment award" that the lender must enforce, otherwise, the court will seize the property and other assets in your name according to the law, and use the auction proceeds to repay the arrears.

Fifth, if the circumstances are serious, you may go to jail. Normally, such incidents as non-repayment of borrowed money are civil disputes.

It will not rise to the criminal level. However, if some lenders refuse to perform and insist on not repaying, and the circumstances are serious, the court will also investigate the criminal liability of the borrower.

Depending on the circumstances, if the circumstances are serious, you will be imprisoned.

In fact, the probability of door-to-door collection after the credit card is overdue is greater than the probability of door-to-door collection after the online loan is overdue, and the cost of door-to-door collection is relatively large, so in most cases, it is basically a routine to come to the door. So why don't most of his platforms choose door-to-door collection?

The first is that some large platforms also have relatively high loan amounts, and they will first fail to negotiate with you regardless of whether you have the ability to repay or not, and they will choose to sue and take the legal route, rather than choosing to come to collect them.

The second is to say that there is a certain cost to collect door-to-door, after the previous example, report the address book ** some more disgusting news, at this time you still can't pay it back, in fact, they also know in their hearts that you have no money now, even if he comes to collect, they themselves first have fares, fuel costs, including the cost of inviting some personnel, this thing, and then come over may not be able to urge money, they will not do this kind of thing.

However, credit cards and online loans will be on the credit report when they are overdue, and it is best not to overdue easily, not only will you receive harassment from collection, but also have an impact on your personal credit and cause credit stains. It will take another five years to "wash your money" after you pay off your debts, and if you don't repay the debt, the credit stain will follow you for the rest of your life.

The data comes from the nationwide online loan platform and UnionPay, users can query their own big data and credit status, can obtain various index data, query their personal credit status, blacklist situation, online loan application records, application platform type, online loan credit line estimate and other important data information.

There are many ways to dispose of overdue dispositions, but one of them is to take measures when you cannot be contacted.

Actually, I just want to find you.

When I meet it, I pull it back and make up for it.

Anyway, it's about paying back.

It's not that exaggerated.

It's true that the online loan sent a text message saying that the home visit was overdue.

It is not illegal for online loan platforms to collect money through **, text messages, etc. When a regular online loan is overdue. Formal loans are linked to personal credit reporting.

If there is a late repayment, it will adversely affect the personal credit report. It is recommended that you take out a loan within your means, repay the loan on time, and keep your credit report.

If you are new to online lending, then you need to apply for a **JD.com. com account, bound bank card, with a period of purchase and consumption records.

Online lending, MBTH is Internet lending, P2P online lending is the abbreviation of online lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through internet platforms.

It is a subcategory of the Internet Finance (ITFIN) industry. In 2012, the number of online lending platforms in China grew rapidly, with about 350 active platforms to date, and the total number had reached 3,054 by the end of April 2015.

In September 2019, the Leading Group for the Special Rectification of Internet Financial Risks and the Leading Group for the Special Rectification of Online Lending Risks jointly issued the Notice on Strengthening the Construction of the P2P Online Lending Credit Information System to support the operation of P2P online lending institutions to access the credit reporting system.

Summary. Hello dear, not really. If you receive a text message or receive a visit or other threat, this is not true.

Because in the case of overdue arrears, receiving a message or receiving a ** that the door-to-door visitors go to the home to collect the money are all scaremongering, and they belong to the third-party collection company sent or called you**, you don't have to be afraid Don't worry, it won't really happen as they say.

Is it true to text when the online loan is overdue and say that the door-to-door visit is made?

Hello, I am the financial Xiao Xu, your question has been received, please wait patiently for about five minutes by me to inquire for you Typing query takes time to first introduce yourself I am your service roll Tong Tong Xiao Xu, mainly engaged in the financial industry, good at many aspects of knowledge answers, if you are very satisfied with this service later, you can click on my avatar to follow, to contact me at any time after the shooting

Hello dear, not really. If you receive a text message or receive a ** that says a home visit or other threats, this is not true. Because in the case of overdue arrears, receiving a message or receiving a message from Qing Rantong ** that the door-to-door visitors go to the house to collect the money are all scaremongering, and they belong to the third-party collection company sent or sent to you by the fanta**, you don't have to be afraid to worry, and it won't really happen as they say.

You tell me which platform is overdue and how much the amount is, and help you see if you can negotiate a personalized installment.

Immediately financial is still more than 2,000 years away from it, and it's been two months.

Immediately the financial normal can be negotiated, but only 2000 is too little, you can only negotiate with the platform yourself.

There's nothing we can do with the negotiation team.

I had a text message telling me to come to the door and make the information public.

Does he have the right to make the information public?

No. The text message is not sent immediately by the financial platform, it is the means of the collector.

The text message said that he would go to the place of residence to investigate, verify the situation with local personnel, and record evidence for evidence, which can be regarded as an impact on the borrower's life.

He's just intimidating and scaring you.

If you really go, you can call the police.

Don't bother with him, I just need to deal with the arrears normally, right, thank you very much.

This kind of text message just says to make you scared, and then go to repay the loan early, because only if you repay the other party can you earn the collection commission given to them by the financial platform. Yes.

Legal Analysis:

Legitimate. Online loan is a kind of private lending, the parties have a creditor's rights and debts relationship before, so the creditor has the right to require the debtor to repay the loan on time, so the online loan is to be repaid, if it is not repaid when due, it will affect the personal credit record, and may also face civil lawsuits. All in all, online lending is a creditor-debtor relationship, as long as the agreed interest rate of online lending is within the scope permitted by law, there is a legal basis, that is, it must be repaid.

Judging from the customer's overdue situation, if the customer does not repay on time, it is either a problem with the willingness to repay or a problem with the ability to repay. After the credit institution is overdue, it shall investigate and understand the borrower's situation on the basis of pre-loan and post-loan, and on the basis of this understanding, through the analysis and assessment of the borrower's willingness and ability to repay after the overdue, and according to the results of the analysis, classify and prescribe the right medicine. In general, customer overdue can be divided into the following four types, and credit institutions can adopt different strategies to recover for each transaction.

Legal basis: Article 671 of the Civil Procedure Law of the People's Republic of China Where the lender fails to provide the loan on the agreed date and amount, causing losses to the borrower, it shall compensate for the losses.

If the borrower fails to collect the loan on the agreed date and amount, it shall pay interest on the agreed date and amount.

Derivative question: What are the consequences of non-repayment of online loans? Impaired credit. If you borrow money from the bank and don't repay it within the time limit, your personal credit report will be stained, and it will be even more difficult to apply for a bank card and a loan in the future.

Even if a microfinance company is not included in the credit investigation, there is a shared "blacklist" system in the circle, and if one does not repay, it will be difficult to approve the loans of others.

Consequence 3: Collected by various means. Both banks and microfinance companies have their own collection systems.

The junior ones will send you text messages, ** bombard your address book friends, including your family, relatives and friends, and to a more serious extent, there will even be collectors 24 hours a day, seriously disrupting your work and life.

Summary. Secondly, door-to-door collection is difficult to execute. It involves a modest issue.

If the attitude is slightly worse and the other party has reported to the police, then the collector constitutes the crime of disturbing public order. At that time, they will be criminally responsible, so it is impossible for many online loans to choose the method of door-to-door collection.

Hello luck socks, I am a financial analyst, a certified first-class investment financial analyst by the state agency, with 5 years of financial experience in the leasing and sales experience, has handled more than 3,000 loan cases, has rich experience, I am happy to serve you, it takes a little time to type, I will reply to you within 5 minutes, please wait.

Dear, this is fake, you don't have to worry, the cases I have taken are as small as a few hundred to seventy or eighty thousand, and they all say that they want to come to the door, but none of them come to the door.

Hello, today I received a second arrears that said that it was you and me who took out a loan, and said that Duan Shi was on August 31, 2017, and said that he came to verify and collect evidence at four o'clock this afternoon.

said that he owed 1930 yuan.

First of all, online loans themselves are to save costs, so online loans are adopted. If they are allowed to come to the door to collect, Wang Hao, all the expenses incurred on the way will have to be borne by him. In the end, it was calculated that the loan was overdue for those thousands of dollars.

It is impossible to spend thousands of dollars on travel expenses, car fares, accommodation expenses, and travel expenses. It is impossible for them to do such a loss-making Yeling Bo business.

Secondly, it is difficult to carry out door-to-door collection of surplus. It involves a modest issue. If the attitude is slightly worse and the other party has reported to the police, then the collector constitutes the crime of disturbing public order.

At that time, they will be criminally responsible, so it is impossible for many online loans to be searched and repented now, and they cannot choose the method of door-to-door collection.

I haven't received **, and it's been almost five years.

This is just one of their collection methods, you don't have to worry. You can think about it, if you really want to come to the door to collect, you will come early, how can it take so long to come.

In the accounting system, the enterprise should recover the accounts that have not been recovered, and the bad debt loss will be recognized after three years. So now they just want to stop the loss in time.

And I injured my leg and was recuperating at home, with no job and no income.

How long does it take for this online loan to pass the prosecution period.

Ask about custom messages].

The period for filing economic disputes is very long, at least 20 years, and they can apply to the court for an extension if necessary.

You don't have to worry about this, your 2,000 yuan will not be sueed, and the prosecution fee alone is more than 2,000.