If the online loan is overdue, will the communication record be exploded? And explode personal priva

Hello, generally overdue will not still explode the address book, first of all, overdue will have an impact on your credit according to the length of time, serious overdue (more than 90 days) credit is a black account, before the overdue is not able to apply for any loan business, secondly, overdue will produce liquidated damages, overdue interest and other additional costs, long-term overdue final interest greater than the principal is nothing new, please be cautious.

There will be no consequences for the money from the loan:

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.

The private formal and reliable online loan platform will not use the means of exploding the address book at the beginning, unless it is ** has been unable to get through, shut down, or empty number, it will be transferred to a third-party collection company, and professional collection may use the method of exploding the address book. Formal licensed online lending platforms generally start to explode their address book after 1 month.

Overdue must explode. Before we lend money, we will back up the call information of the other party's mobile game, and the parents will contact **, for fear that the borrower will maliciously default and not repay.

Regular platforms will not break the address book. As for those messy platforms, no one can say. There are also platforms that urge you to repay before the repayment deadline. Therefore, try not to touch online loans.

2. The online loan collector did not screen the **, or the ** of the collection was directly dialed by the system, so at this time, all users in the address book could hear the collection short call early.

2. After the online loan is overdue, the user must pay off the overdue arrears as soon as possible, and the online lending institution will not collect the overdue arrears as soon as possible.

3. After the online loan is overdue, the user needs to answer the collection**, refuse to answer the collection**, or answer the collection** and do not return the overdue arrears, then there will be a suspicion of malicious overdue.

5. When the user is unable to repay, take the initiative to contact the online loan institution and submit an application to the online loan institution for negotiation and repayment, and if the negotiation is successful, the user can repay the loan according to the negotiation agreement, and the collector will not explode the address book during the repayment period.

6. If the negotiation fails to repay, the user can also ask the other party not to explode the address book, as long as the user pays off the arrears as soon as possible, then the collector will not violently collect.

Big data of online lending can reflect the real situation of online lending. If you have too many loans, it is recommended to check your credit data. Find:

Xiaoqi Xincha can generate big data reports. Although there is a difference between the two, in order to avoid the situation that individuals are unable to repay bad debts, bank loans will also pay attention to the big data credit situation, and bad credit will affect the rights of many aspects.

Extended information: Can I not repay the online loan that explodes the address book?

However, for the user, the repayment responsibility is determined by the loan contract, before the loan contract is terminated, the user must repay the loan in accordance with the loan contract, the repayment responsibility is not affected by external forces, the user must repay the online loan on time, otherwise the consequences of default shall be borne by the user.

Under normal circumstances, if the borrower's loan is overdue for more than 3 days, someone will start to collect it.

According to the regulations, financial institutions must truthfully send the borrower's loan and repayment records to the central bank's credit information center within one day. Therefore, if it exceeds 3 days, the borrower's overdue record will definitely be on the credit report, and the financial institution will also start to collect.

However, the beginning of collection does not mean that the borrower is about to be blown up the address book, as long as the collector can contact the borrower, and the borrower has a good repayment attitude and the overdue time is not more than 1 month, there is a high probability that the address book will not be exploded.

In the same way, when the borrower is overdue for more than 1 month, most collectors will carry out some violent collection methods in order to collect the money.

Since 2015, online lending has swept all schools across China, which can be said to have harmed a large number of college students. Many students started out just to buy a favorite bag or an iPhone, but as borrowing money became easier and more desired, online loans ruined many families.

It is illegal to have your address book exploded after an overdue online loan, and it seriously endangers the normal life and privacy of others. Those who are harassed must have the courage to protect themselves and report to the public security organs to crack down on these underworld forces.

Understand the collection methodsWhen the online loan is overdue or the interest rate of the online loan is found to be higher than the national statutory interest of 36%, the user can contact and communicate with the platform to negotiate the repayment according to the principal plus the statutory interest, or directly file a lawsuit to demand that only the part that should be repaid.

If you should repay it, don't repay it if you shouldn't repay it, and use this kind of subordinate means to harass users, which greatly affects the user's daily life and work, and will also affect the user's other relatives and friends.

To deal with this kind of collection, we must understand which part of the money should be repaid by ourselves and which part of the money should not be repaid. Negotiate with the platform first, and if the negotiation fails, pick up the law.

Cracking down on illegal collectionsMany vicious collections are using the user's fear of being exposed to the address book to instigate users to take out loans to support loans, owe more loans that cannot be repaid, fall into a desperate situation, and even end everything with their lives.

Online loans themselves are not protected by law, so they will use malicious collection methods to intimidate and coerce users. Both of these are illegal acts, and they are also harmful to society.

All users who have been harassed can unite to inform their families of their true situation, get their understanding and help, and get out of the quagmire of arrears as soon as possible.

1. Negotiate with the collection. Negotiation is skillful, first of all, you must repeatedly show your willingness to repay, so that the other party can rest assured that you are not the kind of person who goes to the "old man". But it is indeed unable to repay at present.

After that, you need to give the other party a clear repayment schedule according to your real situation. In fact, as long as the online loan company is sure that you are willing to repay, it will give you time to make accommodation.

2. When repaying, you must repay one by one, and then pay the next one after repaying. If you choose to repay a little bit on each platform, especially for those who have borrowed from multiple platforms, I am afraid that they will not even be able to pay off the interest, so they will never be able to pay off the debt.

3. Do a good job in preventing the explosion of the address book. Exploding the address book is indeed a very ruthless move, and there is no particularly good way to do it at present. However, if you are worried that the other party will explode the address book, you can give a preventive shot to the relatives and friends of the address book in advance:

In the face of the pressure exerted by the collector after the deadline, it is enough to ignore it directly, which is to avoid the collector from causing mental harm to himself, and if you are indifferent to him, he will not be able to hurt you. After expiration, it is important to maintain a good attitude, so that you can face the debt crisis with a peaceful heart.

At present, most online lending institutions are not qualified to report the user's overdue records to the central bank for credit information, so they can only publicize the overdue user information, and over time, the online loan credit big data in the industry has been formed. Just search: Sky Data.

Click on the query in this micro-heart applet, you can see a large part of the data of online lending institutions, so that the vast majority of online loans should be big data.

If you are on the blacklist, then the chances of the online loan being rejected are very high, and you need to understand the reason for your blacklisting according to the report; The more online loan application records and records queried by institutions, the more big data there is, indicating that funds have been tight recently, and it is easy for online loan platforms to judge that you are unable to repay, and online loans are rejected.

This is not legal, the collector's practice is illegal, and it is already a violent collection.

Summary. Hello, regular online loans generally do not take the method of exploding the address book, because now exploding the address book is also a violation of the law; However, if it is an informal online loan platform, it may encounter violent collection after one or two days of overdue.

Hello, regular online loans, generally do not take the method of exploding the address book, because now the exploding of the stove mu news record is also a violation of the law of rude repentance; However, if it is an informal online loan platform, it may encounter violent collection after one or two days of overdue.

The common collection methods are generally these, such as the online loan company chooses to collect by itself; The online loan company outsources the collection to a specialized collection company for collection; The online loan company collects the money together with the collection company, so when we owe the loan, we must pay it off as soon as possible.

The characteristics of online loans are low threshold, fast payment, convenient and fast, which is very suitable for users who are in urgent need of money at the same time, but due to the large number of online loan applicants and the lack of strict review, the overdue rate has been high, and most of the online loans deal with this situation by means of violent collection, so a dead cycle is formed, and borrowers continue to complain about online loan collection, and there are constantly new online loans.

Extended information: There are three collection methods for online lenders:

1. The online loan company chooses to collect by itself;

2. The online loan company outsources the collection to a specialized collection company for collection;

3. The online loan company collects the money together with the collection company.

For these situations, most online lending institutions use threats, intimidation, and insults to force the other party to repay the money, and eventually evolve into a situation where both parties are very troublesome.

Therefore, before applying for an online loan, you should carefully understand the company's background and user evaluation, and don't just contribute your personal information. In addition, online lending institutions should also comply with national laws and regulations in terms of fees, and should establish their own risk control systems.

In the early stage of non-repayment, the staff will remind you to repay on time through text messages, **, etc. Users who have been overdue for a long time cannot continue to borrow, and need to pay off all IOUs before continuing to try to borrow. If it is overdue, your spending limit may be reduced or cancelled.

It is recommended that you repay the loan on time to avoid overdue damage to your personal credit.

Maintaining a good borrowing history will help you pass the loan review later and potentially get a higher limit. If it is overdue, Moneyflower will charge penalty interest to the borrower, and the specific fee standard is subject to the display on the loan page.

Formal licensed online lending platforms will only start to explode the address book after 7 days to a month after overdue repayment, and each lending platform has different risk control for loans, so the intensity of collection is also different. When you are faced with the explosion of the address book, you can take the initiative to get in touch with the customer service of the lending institution, negotiate or directly sue it for bad practices, and then negotiate the repayment to pay off the arrears in the first time.

2. Specific analysis.

If you want to avoid the situation of collecting the problem of having your address book exploded, the best way is to repay the loan on time to avoid the occurrence of overdue. Because if it is not overdue, the online loan platform will not collect, and if it does not collect, it will naturally not be exploded.

Of course, some people are overdue because they can't afford it. If you encounter a situation where the interest rate is too high, you can check whether the interest rate meets the standard of usury. And if it is a loan shark, you can sue the other party in court.

The borrower only needs to repay the portion of the legal interest.

In fact, the reason why the address book was exploded is because when people apply for online loans, they usually need to authorize the online loan platform to read their address book information. And if you don't authorize and agree, you generally can't get a loan. Therefore, this will lead to the situation that after the borrower is overdue, it is inevitable that the online loan collection will explode the address book.

If you have overdue records online, or have loan records from multiple platforms, then your various records will be controlled by big data risk, and even Huabei will be closed when your online loan platform often rejects you. If there is an abnormality in your online black data, you can search: Beijian Quick Check, you can obtain your own big data and credit status, you can obtain various indicator data, you can query your own personal credit status, blacklist, online loan application records, application platform type, whether it is overdue, overdue amount, whether there are arbitration cases, and other important data information.

3. What is the big data of online loans?

The comprehensive score is a comprehensive score obtained by evaluating and reviewing the user's age, educational background, work unit, residential address, economic income level, debt status, credit status and other aspects.

If an application for a credit card or loan is rejected due to insufficient comprehensive credit score, it is not possible to find out what the comprehensive credit score given by the bank or licensed consumer finance company is. However, you can contact your bank or licensed consumer finance company and ask the staff for the specific reason to see what is causing the lack of a comprehensive credit score.

Most people's lack of comprehensive scores is due to problems with dust credit and big data.

You can go to the branches of the People's Bank of China to inquire about credit and go to big data platforms such as Beijian Quick Check, Xiaoqi Credit Check, and Tongdun Data to query big data.

Of course, a lack of overall score is not necessarily the cause of bad credit. Since it is a comprehensive consideration, it may also be due to the existence of long loans and excessive debt that leads to insufficient comprehensive credit scores, which are reflected in the big data report.