1, violent collection is illegal.
If you call your family and friends, call your family's company, or explode the address book without paying back the money, you will not dare to call directly, that is, violent collection is illegal. If he does this, you can report it, knowing that it is normal to pay back the debt and the collection is acceptable. However, we must abide by the relevant regulations, especially the law on violent collection has been constantly improving, so we have been very strict about violent collection.
2. sue if you want.
What most people like to say when they call to collect money is to sue if they don't repay. It's only a matter of time before they are sued for not paying back, but whether they are prosecuted or not is not determined by collection. It depends on whether the overdue time and overdue amount can be prosecuted, and the bank decides whether to prosecute. It's not that collections can be sued.
Therefore, the purpose of collection is generally to let everyone repay quickly under pressure, so don't be afraid, just tell the other party that you are willing to pay back, but now that there is so much money, you can sue if you want to, and just follow the normal process.
3. high interest rates are not guaranteed.
You know, many online loans are basically usury, and China is cracking down on usury. Therefore, if many financial institutions exceed the prescribed part, everyone can not return the excess part. If there is a call to collect loans, you must first calculate whether your annual interest rate meets the requirements.
If not, directly tell the other party that the high interest rate is not protected by law, and the excess can not be returned. Generally, this collection will shrink.
Collect the people the company fears most.
1, a person who likes to complain
Although the borrower is in loans overdue, he has the right to complain. Especially for some online lending platforms, the loan interest rate or collection method itself is not so legal. If the borrower keeps complaining, it may have a great impact on the online lending platform or the collection personnel.
2. Malicious breach of contract.
Some borrowers actually don't owe much money, but they insist on malicious arrears. They are not afraid of collectors contacting their families or being sued. In this case of eating both hard and soft, the collectors will be more distressed.
3. People in poor health
Some borrowers may be unable to repay loans overdue's debts due to hospitalization or other reasons. At this time, if the dunner makes dunning, the borrower's physical condition is not optimistic. If a series of serious consequences are caused by excessive behavior, this is what banks do not want to see.