Is the notice of overdue visit for online loans true or false?

Fake. After the deadline, under normal circumstances, there will be no door-to-door visits. This is just a means for the collection company, the purpose of which is to take advantage of the debtor's fear and force the debtor to repay the loan early.

The state now prohibits violence. To collect, you only need to save the text message, and if necessary, you can call 12378 to report to the China Banking and Insurance Regulatory Commission.

As we all know, personal credit is equivalent to everyone's credit pass today, which records the past credit behavior of each of us, and these behaviors will affect our future economic activities. Especially because the online loan is overdue on the credit report, and the bad credit record is left on the credit report, whether it is a car loan or a housing loan in the future, or a credit card, it may be rejected.

You only need to pass: Xiaoqi Xincha. Users can query their own big data and credit status, obtain various index data, and query their personal credit status, blacklist situation, online loan application records, application platform type, online loan credit line estimate and other important data information.

In short, the consequences of overdue online loans on credit are more serious, so if the borrowed online loan is on the credit report, then you must repay the loan on time, don't easily overdue, otherwise if it is overdue on the credit report, there will be a credit stain, and it will take five years to be able to "launder" after paying off the arrears, and if you don't repay the loan, the credit stain will follow you for a lifetime.

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 your personal credit report.

impact, causing a credit stain. 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.

Can. The data comes from online lending platforms and UnionPay across the country.

Users can query their own big data and credit status, can obtain various indicator data, query their own personal credit status, blacklist.

situation, online loan application record, application platform type, online loan credit line.

Estimates and other important data information, etc.

If the online loan is not repaid, it will lead to a bad personal credit record, which will affect your future loan application, and after the online loan institution is overdue, the staff of the institution will also collect on you, which will affect your personal life through ** and text messages. If the amount owed is large and the arrears are serious, the platform can resolve it through legal means. At the same time, during the overdue period, there will be a high penalty interest, which will cause you a burden.

1. How to solve the problem if the online loan is not repaid?

If you are really unable to repay your online loan, you can contact the platform staff in advance, express your willingness to repay, and promise the repayment date, negotiate the best repayment method with the other party, and do not directly refuse to repay.

2. What will be the impact on individuals if they do not repay the online loan?

Formal online lending institutions are connected to the credit information system, and when submitting a loan application, the user will also sign a loan contract with the platform, and when the user fails to repay the loan within the time limit, it will be reported to the credit information system, and if the user has serious overdue behavior, the platform can solve it through legal channels. You can check your current credit situation in "Check this data" and find this WeChat mini program. Get rid of bad loan application habits and cover untrustworthy behaviors with new good payment records, so that when everyone encounters an economic crisis again, they will not have no way out and hit a wall again and again.

3. Collection will affect the lives of individuals and their families.

If the user refuses to answer, or has a bad attitude towards the collector, the collector will contact the user's colleagues or family members, which will seriously affect the lives of others.

To sum up, if you don't repay your online loan, you will actually have the greatest impact on yourself, because there will be a bad record in your personal credit report, which will affect your personal loan.

Therefore, when using a loan or credit card, you must repay it on time, and don't easily overdue, otherwise if you are overdue on the credit report, there will be a credit stain, and it will take five years to be able to "wash white" after paying off the arrears, and if you don't repay all the time, the credit stain will follow you for a lifetime.

The overdue visit of the online loan is fake, which should be a collection method of illegal collection, and you can complain to the CBIRC about the platform in this case.

Generally speaking, it is false. Don't believe it. However, the money that should be repaid still has to be repaid, otherwise it will be a court summons in the end.

This depends on whether they have a cooperative collection agency in the local area, if there is a real one, if there is not, it is fake, just go through a notification process. If they can't find a collector, they will sue directly.

It's basically unrealistic, and the cost is too high.

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.

First of all, it should be made clear that the platform has the right to visit and verify the situation. But in most cases it doesn't, because of the higher cost. So if you don't owe much, it's likely to be fake.

But if you do get to the door, don't be afraid. Remember, we just owe money, not life.

About online loan overdue:

The collection is reasonable and legal, and try to cooperate.

Door-to-door usually comes with a recorder and a work permit.

And the contract, with your consent to walk in the door, talk to you, that's all.

And the whole process can be recorded and videotaped. If he doesn't agree, call the police immediately, remembering that it's not right that we owe money, but the law will still protect our legal rights.

Overdue online loans are civil disputes.

Those who have nothing to do and talk to law enforcement agencies are all paper tigers.

Don't worry about it, don't be affected by your mood, work with peace of mind, and work hard to make money.

Supplementary content: Online lending, foreign name is Internet lending, P2P online loan 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 (ITFIN) industry. Online lending platform.

The number of companies in China grew rapidly in 2012, with about 350 companies active so far, and the total number of companies as of the end of April 2015 was 3,054.

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.