Therefore, when the online lending platform collects money, it is impossible to contact the borrower by official telephone, because they have outsourced their business to an outsourcing company, so an outsourcing company has already done it for them.
Everyone is familiar with the collection company, and you can get a general understanding just by listening to the name. So what can the collection company do specifically?
The essence of their company is to help banks and various lending institutions collect overdue debts and let debtors settle accounts as soon as possible. But at present, the industrial and commercial bureau does not allow companies of this nature to exist or register.
It will directly let the lender contact the debtor, so if you are called a person of a collection company for various reasons, you can call the police first.
So what should we do when we get a reminder call?
1, the collection phone is answered normally. By appropriate, I mean you can't answer every phone call, and you can't help answering every phone call. Answer the phone once or twice a week if it is overdue for three months, and once or twice a month if it is overdue for more than three months. At the same time, every time you answer the phone, let the other party know that you are willing to pay back, but it is only temporarily difficult.
2. I received a phone call and expressed my willingness to repay, but my current economic ability is limited. If the other party insults himself, he can hang up or record directly, keep the evidence and defend himself through legal means.
3. Negotiate the repayment plan. The premise of this is that you must know your debts like the back of your hand and know your repayment ability before answering the phone. You can't negotiate blindly. Once the negotiation is successful, we must strictly abide by the repayment, especially the credit card arrears.
Urge the company to help others or enterprises collect some irrecoverable money. Due to various reasons such as supervision, the industry of clearing debts often crosses legal boundaries, causing some negative effects. This "irregular" debt repayment company and violent debt collection behavior have caused serious harm to debtors and their families.