26 kinds of pressure tactics for small loan collectors

1.In the face of collection cases, collectors should first sort out and classify the cases by themselves, be familiar with the overall situation of the case and the basic information of the collector, and know what to expect. At the beginning of the collection, the general call sequence is the line unit**, then the family**, and finally my mobile phone; When these cannot be contacted, they will call the contact person (or relative unit) to implement the situation, and tell the debtor to repay the loan through the contact person.

2.If the debtor cannot be found through the above methods, it can be searched on ** (or 114) through the information in the case database or through mobile phones and fixed **.

3.If the debtor cannot be found through the above methods, the company will send overseas personnel.

Door-to-door and bring back the required information for collection; In addition, foreign visitors play a large role in the collection process, so it can be said that the success or failure of the collection lies with the foreign visitors.

4.Understand the debtor's information, and send a collection letter and a lawyer's letter to his family and work unit in turn.

Inform you of the amount you owe in.

5.During the collection process, the field staff will be responsible for delivering letters, door-to-door collection, and implementing the debtor's information on the spot, mainly to exert pressure on the debtor.

6.Don't collect money from cardholders in the capacity of a bank, and don't make personal attacks during negotiations. Avoid arbitrarily reducing the debtor's settlement amount and never collect money.

Collection pressure tactics: In addition to the pressure on the debtor according to his own situation, which is more likely to threaten his relatives and friends, the following are the specific preparations before collection, and prepare the corresponding pressure tactics according to the information: 1

In the face of collection cases, collectors must first sort out and classify by themselves, be familiar with the overall situation of the case and the basic information of the debtor, and be aware of it. At the beginning of the collection, the general order of calls is the line unit**, then to the family**, and finally to the person's mobile phone; When these cannot be contacted, they turn to the contact person (or relative unit) to implement the situation and relay the debtor's repayment through the contact person.

2.If the debtor cannot be found through the above methods, go to ** to find the information in the case database or check it through mobile phone or fixed**.

3.If the debtor cannot be found through the above methods, the company will send an overseas visitor to the door to bring back the required materials for collection; In addition, in the process of collection, the role of foreign visitors is very large, and it can be said that the success or failure of collection lies in foreign visits.

4.After learning the debtor's information, he sent a collection letter and a lawyer's letter to his home and work unit in turn, and informed him of the arrears.

5.During the collection process, the field staff will be responsible for delivering letters, door-to-door collection, and on-site implementation of the debtor's information, mainly to exert pressure on the debtor.

6.Do not collect from cardholders in the capacity of the bank, do not have personal attacks in negotiations, avoid self-assertion to reduce the debtor's settlement amount, and never collect money on behalf of the borrower.

Extended Materials. Four Collection Techniques for Typical Customers:

1) Normal communication: reflect the characteristics of high quality in the service, clearly inform the customer of the time and amount, have a good attitude, and establish long-term trust with the customer through the expiration prompt, so as to achieve the purpose of introducing new customers. In the spirit of solving problems for customers, emphasize the importance of repayment on time.

2) Loss of contact: If you contact you through your contact, mobile phone address book, guarantor, etc., and you are unable to contact you, you will be required to fulfill your guarantee obligations and pay off the debts due.

3) Customers who have the ability to repay but lack the willingness to repay: know the reason, move with emotion, take the loan contract as the basis, take the legal means as the first, exert pressure with the binding force of morality, pay equal attention to the law and reason, and combine the soft and tough attitude to urge the customer to repay.

4) Customers who lack repayment ability but have good willingness to repay: In line with the attitude of solving the problem, find the reason why the customer cannot repay on time, and discuss a solution to find a mutually agreed repayment time point for both parties. Knowing the reason, moving with emotion, based on the loan contract, taking legal means as the first, exerting pressure with moral binding force, paying equal attention to reasonableness and law, and combining softness and tough attitude to prompt customers to repay.

The 12 pressures and extensions of the collection tactics are as follows:

1. Mr. X Madam, you are now in serious default, and the bank penalty interest will continue to increase every day when the loan is overdue, and it will increase the difficulty of financing other financial institutions in the future. Please find a way to find time to pay back the next payment.

2. Mr. X Ms., you have now seriously defaulted on the contract, when will you come back, can you repay the loan through other channels, such as transferring money from other places or making friends and family want to repay on your behalf, please deal with it as soon as possible. <>

3. Mr. X Madam, you are now in serious default and our repayment time is fixed every month, and the repayment time and amount are clearly stated in the loan agreement. We make SMS reminders and ** reminders for customers who repay each installment. However, this is only our value-added service to customers, and it is not an obligation, so not receiving an SMS reminder or ** reminder cannot be a reason for overdue.

4. Mr. X Ms., you have now seriously defaulted and continue to delay the repayment until next month, and the late payment fee will only increase, which will have a very serious impact on personal credit, including your future house purchase, loan, children's education and children's career prospects will be affected, it is recommended that you deal with the repayment quickly.

5. Mr. X Ms., it is impossible for us to delay waiting until you find a job and pay your salary, overdue will only lead to an increase in late fees and a bad credit record, I hope you understand, it is recommended that you raise funds from relatives and friends first, deal with the repayment, and then repay it later.

6. Mr. X Ms., please make good use of the time given to you by our company, otherwise whether it is for your personal credit or the company's next collection process for you, it will put you in a disadvantageous position, this matter has reached the point where it cannot be delayed, and you must pay back the money no matter what you think of within a week. We can't give you any more time, so please make sure you make the most of these days.

4. Mr. X Ms., it is impossible to delay until you have money to repay, if you have the sincerity to repay part of the funds first, I use this reason to apply for a grace period of a few days, you must borrow money from relatives and friends through other channels, and process the repayment as soon as possible.

5. Mr. X Ms., our ** is recorded throughout the whole process, if you continue to delay the repayment, we can be regarded as you are maliciously delaying the time, suspected of fabricating the fact of repayment, according to the relevant regulations of the company, we may investigate your second breach of contract liability (cancel installment repayment, forced settlement, etc.).

First of all, don't quarrel with each other, and don't insult the collector for urging you to repay the loan, it's his job to talk to everyone like this, and the content of the chat is the same. It's not about you alone. Don't let this emotion affect you, just work and make good money.

The contact person who owed the money said that he also owed him.

You don't need any words, just bombard him with his address book, and then send a text message to notify him one by one, and it's over, I can help you with these things, it's quite reliable.

Collection tactics are:

1. Work problems and unsatisfactory life.

Words: Mr. X Ms., the repayment time will not wait for your salary or job stability to change, you will only lead to overdue, overdue will only lead to late fees have been increasing, resulting in bad credit records, I hope you understand, it is recommended that you borrow money from relatives and friends first, and deal with the repayment.

2. The promise is not to return the type.

Words: Mr. X Ms., you have missed the repayment many times, please understand that you are now in serious breach of contract, so we have to doubt your integrity, we will not repeatedly urge you to repay, but it is not excluded that you have cheating, if you have money to repay, please deposit it into the repayment account immediately, if there is no money, you must borrow money from other channels, or borrow money from relatives and friends to deal with the repayment.

Words: Our ** are all recorded, if you continue to delay the repayment, we can be regarded as you are in malicious default, suspected of fabricating the fact of repayment, according to the relevant regulations of the company, we may pursue your second breach of contract liability (cancel reduction, cancel installment repayment, forced settlement, etc.).

Words: You are now overdue for x days, according to the contract, breach of contract x days, we will transfer the case, your case will be handled by the legal department, and all the consequences will be borne by you personally.

3. There is no accommodating one-month type this month.

Words: Mr. X Madam, you have now seriously defaulted and continue to delay the repayment until next month, the overdue late fees will only increase, and it is not good for credit, so it is recommended that you deal with the repayment quickly.

4. ** is not connected type.

Words (SMS template): You have refused to answer our ** for a long time, if you have financial difficulties or other reasons, please be honest and say it, we will try our best to coordinate, if you don't answer **, I will have to contact your relatives and friends, or visit your family or unit, or even think that you want to escape debts, the resulting adverse effects, please understand, weigh it.

5. Don't go home when you often go on business trips.

Words: You are overdue, please understand this, repayment can be repaid through a variety of channels, do not have to deposit to the designated account, you can arrange relatives or friends to help you save first, repayment on time is your responsibility, not only to avoid penalty interest, but also to maintain the credit of repayment, although troublesome, but also for your vital interests, please deal with the repayment as soon as possible.