Online loan collection has not been urging for a long time

First of all, the collection ** is answered normally, and when answering **, clearly inform the collector that the call is recorded, show the other party that he has the willingness to repay, explain the reason why he is in debt and unable to repay, not the malicious overdue as they say, and there is no malicious evasion, they can collect, but not too often, too much, because they have to live and work normally, and then tell the other party in which time period they sometimes listen indirectly, and ask the other party to call during this time.

After this step is done, you can selectively answer the collection**, you can directly block all harassment during working hours**, within the time you set, you can answer appropriately**, if the other party is still indomitable to carry out malicious collection and harassment, then you can also directly block it, and ask the other party to repay the loan through court litigation.

But the most important thing is to find a way to repay the loan as soon as possible. Most of the overdue credit card online loans will be on the credit report, and if they are overdue for a long time, then this person will basically be blacklisted, which will have a great impact on their future life and work. In the past few years, some people have not paid their debts, which is defined as a lai, which has a very significant impact and may also affect the problem of their children's schooling.

It is best not to overstay the deadline 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.

Generally, the legal collection is the ** commissioner dial, reminding you to repay the loan and not to be overdue.

If you collect the arrears on the day of overdue, you will not only send text messages and make phone calls, but also explode the address book, so that your relatives and friends around you will know your online loan arrears. These behaviors belong to "violent collection", and everyone must learn to collect evidence and take up the law to protect their rights and interests.

However, the overdue online loan will indeed cause all kinds of bad effects, not only will face high penalty interest, violent collection, and even affect their personal reputation, you can understand your current credit situation in WeChat "early knowledge data", change the bad habit of applying for loans, and cover the untrustworthy behavior with a new good record of payment, so that when you encounter the economic crisis again, you will not have no way to find a way out, and you will hit the wall again and again.

A year or two, it will definitely not stop in a short time.

If you can, pay off the loan as soon as possible.

1. Confess to your family, if your family has the ability, pay back the loan first, don't roll more and more, and it will not be good to be appealed in the end.

2. Negotiate with the loan platform, if you are unable to repay, the loan platform does not want to make a big deal, after all, they also ask for money and do not want to go to court with you. You can negotiate with them to reduce some of the money to ease your repayment pressure.

3. If there is no other way to get money, then check your personal credit, if it is okay, find a bank loan, the bank's interest is relatively low, and the repayment pressure of the bank will be lighter.

If you can't repay the loan, then you have to consider the following consequences.

1. Bear high overdue fees.

For overdue fees, different online lending platforms have different names and different charging standards. Whether it's called overdue penalty interest, overdue management or other various names, the fees are very high. Therefore, if you have the ability to repay the loan on time, you should never overdue.

2. Bear the fancy collection of the platform.

Collection is generally divided into three stages: the first stage, just a few days overdue, the platform customer service mm softly and warmly reminds, telling you that you have been overdue, please repay on time; In the second stage, if it is overdue for a long time, the platform's customer service will seriously warn that it will face serious consequences if it is overdue; In the third stage, after a long time of overdue, the platform no longer persuades each other and begins to take practical action.

There are many kinds of practical actions, such as: the platform pushes your arrears information to your relatives and friends, so that you lose face in the circle of friends; The platform arranges special collection personnel to collect door-to-door, face-to-face communication and accounting. Of course, these are still relatively mild.

Some platforms outsource the collection and collect it by a specialized collection company, and the collection company that broke out some time ago is "violent collection", and I believe that borrowers are unwilling to encounter it.

3. The People's Bank of China's credit investigation is stained.

At present, most online lending platforms have not yet been connected to the credit information system of the People's Bank of China, but access to the credit information of the People's Bank of China has become an inevitable trend. In the future, if the online loan platform fails to repay the loan overdue, it will be recorded in the credit information system of the People's Bank of China in the same way as bank loans and credit card overdue, resulting in credit stains. If the previous consequences are just disgrace, then the stain on the credit will affect the actual life, if you want to buy a house, you can't get a loan, you can't get a mortgage if you want to buy a car, and so on.

4. The defendant goes to court.

After the loan is overdue for a long time or deliberately does not repay, and the amount exceeds 2,000, it can already constitute a crime of fraud, and there is a risk of being sued by the online loan platform in court. Once the court rules in favor of the online lending platform, the borrower will have to pay the litigation costs and huge fines of both parties in addition to the amount that needs to be repaid, and even face jail time.

If you rush it back, you won't rush it.

1. Overdue early stage:Within a week after the overdue, the debtor will receive a continuous text message and ** from the online loan platform, and if you want your mobile phone to be on, it will keep hitting you**, but the tone is not so tough, and it will persuade you to repay as soon as possible, otherwise there will be a series of adverse effects, such as high overdue fees, affecting personal credit and so on.

2. Overdue mid-term:Within 1-3 months of overdue, the collection efforts of the online loan platform will increase a lot, and some collectors will add the WeChat of the debtor, directly treat the debtor with threats, insults and other attitudes, and inform your relatives and friends in the address book, malicious P picture, so that the surrounding friends know that you are a person who does not repay the debt.

3. Late overdue:If the overdue time is more than half a year, then there will be two consequences, one is that the online loan platform does not urge, making the account a bad debt. Another consequence is to package your debt to a third-party collection agency, which is said to be more ruthless in its collection methods, and it is not ruled out that there will be a possibility of door-to-door collection.

To sum up, the intensive collection of the vast majority of online loan platforms will be concentrated within half a year, and more than half a year will be difficult to overcome, but the consequences of overdue online loans can not only be violent collection, but also cause the borrower's reputation to be damaged, unable to enjoy basic credit services, and in the future, when encountering urgent capital turnover again, it is impossible to obtain credit products with good personal credit.

It is recommended that within half a year after the deadline, it is best to find a way to negotiate the repayment with the platform, after all, people who are more constrained have less chance of being ruthless, that is, the borrower has a smaller chance of being hurt as a result. Sort out a loan application details in the central bank or WeChat "cloud check data", and return those products that are checked for credit, formal and large amounts, and don't borrow those platforms with a "bad reputation". At the same time, it is reminded that when facing violent collection, remember to keep relevant evidence, complain and report to the relevant departments in a timely manner, and reasonably protect your legitimate rights and interests.

It is best to pay back the money quickly and not overdue, otherwise the credit will be damaged.

Although most of the online lending platforms in the market have not yet been connected to the central bank's credit information, they have also accessed the big data of online lending.

Online loan big data is a third-party credit inquiry system for lending institutions, which uses big data technology to integrate the loan records of various online lending platforms.

Get the big data report of online loans from Raindance Quick Check, including online loan history, online loan overdue details, debts, dishonesty information, online loan blacklist and other information, as long as you find this ***.

If there is a stain on the big data of online loans, such as overdue or frequent loan application records, then the loan application is easy to be rejected.

It is a matter of course to repay debts, and credit reporting on online lending platforms is conducive to regulating users' online lending behaviors and is also conducive to the state's management of online loan business. But in fact, regardless of whether these online loan platforms are included in the credit investigation or not, you should not take out online loans at will, you should consume reasonably and do things within your personal economic ability.

Generally speaking, after the online loan is overdue, you will face the following consequences:

1. If the loan is repaid in three days, the number of calls per day will increase, and the third-party emergency contact filled in during the loan will be contacted to urge the borrower to repay.

The list of those who have not been repaid for more than three months will be outsourced to a collection agency, which has many methods to collect and will not abandon the collection until the debtor repays the loan.

2. Penalty interest and liquidated damages, the higher the interest on online loans, and the higher the penalty interest and liquidated damages for overdue, calculated according to compound interest, the longer the overdue time, the higher the penalty interest and liquidated damages, and the greater the pressure on personal repayment.

Third, affecting credit information, now many online loan platforms have docked with the central bank credit, for users who do not repay for a long time, directly upload the non-performing loan records to the credit information, and it is very difficult to handle housing loans and car loans in the bank in the later stage.

Even if the online loan handled is not subject to credit reporting, the online loan record will remain in the online loan big data.

Since big data is shared, that is to say, if there is an overdue record in one company, it can be seen on other platforms, and it will also affect future loans.

Fourth, sue the debtor, this is the last collection method of the platform, contact the law firm to send a lawyer's letter to sue the debtor.

Although online lending involves economic disputes and is a civil case, it will not involve the issue of imprisonment, but if you have the ability to enforce the legal judgment at the stage of compulsory enforcement by the court, but you use concealment, transfer, intentional destruction of property or transfer of property without compensation, or transfer property at an obviously unreasonable low price, then it will constitute the crime of refusing to enforce the judgment or ruling, and you will be sentenced to prison.

1. If there is really no ability to repay, it shall negotiate with the lending institution to extend the repayment period or repay it in installments.

2. If the lending institution fails to perform the court judgment within the performance period after winning the lawsuit, it will apply to the court for enforcement.

3. When the court accepts the compulsory enforcement, it will inquire about the real estate, vehicles, ** and deposits in the name of the lender in accordance with the law.

4. If the lender has no property in his name that can be enforced and refuses to perform the effective judgment of the court, there will be negative information such as overdue repayment recorded in the individual's credit report and will be restricted from high consumption and entry and exit, and may even be subject to judicial detention.

5. In cases where there is the ability to refuse to enforce the judgment, it is suspected of the crime of refusing to enforce the judgment or ruling.

This is when collection stops on the day you pay off your debt. Sooner or later, the money owed will have to be repaid, and why do you want to borrow an online loan, and do you know how high the interest rate of the online loan is. If you want to borrow money, it's good to use a credit card, and there is an interest-free period, as long as you have a way to use it, you can completely turn over your funds, why do you have to borrow an online loan.

Under normal circumstances, the collection of online loans generally lasts for about 6 months. Of course, the collection time is different for different platforms and different borrowers. However, if the user is on the online loan platform.

I borrowed money, and there was a word that I didn't repay it after it was overdue.

Extended information] 1. Online lending, P2P online lending is the abbreviation of online lending, including individual online lending and commercial online lending. P2P online lending.

It refers to the direct lending between individuals through the Internet platform. It is a subcategory within the internet finance industry. The number of online lending platforms in China grew rapidly in 2012, with about 350 active platforms so far, and 3,054 as of the end of April 2015.

2. 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 Credit Reporting System in the Field of P2P Online Lending to support the access of P2P online lending institutions to the credit reporting system.

3. The essence of Internet finance is still finance, and the characteristics of financial risks have not changed, such as concealment, contagion, extensiveness and suddenness. Strengthening the supervision of Internet finance is an inherent requirement for promoting the healthy development of Internet finance. At the same time, Internet finance is a new thing and an emerging format, and it is necessary to formulate moderately relaxed regulatory policies to leave room and space for Internet financial innovation.

Fourth, by encouraging innovation and strengthening mutual support in supervision, promote the healthy development of Internet finance and better serve the real economy.

Internet financial supervision should follow the principles of "lawful supervision, appropriate supervision, classified supervision, coordinated supervision, and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various business formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal and irregular behaviors.

5. Online lending includes individual online lending (i.e., P2P online lending) and online small loans. Individual online lending refers to direct lending between individuals through Internet platforms. Direct lending on individual online lending platforms is a private lending.

The scope is subject to the general principles of contract law and civil law.

and other laws and regulations, as well as the relevant judicial interpretations and norms of the Supreme People's Court.

6. Online small loans refer to Internet enterprises.

Through the microfinance companies under its control.

Microloans made available to customers using the Internet. Online microloans should comply with the existing regulatory regulations of microfinance companies, give full play to the advantages of online loans, and strive to reduce customer financing costs. The online lending business is supervised by the China Banking Regulatory Commission.