2. Is home collection legal? It is legal to collect money at home through formal means. At present, online lending institutions are looking for outsourcing companies to collect accounts. Generally speaking, they will come to the door to explain the situation. Some illegal door-to-door collections are generally splashing paint, writing scarlet letters, violent smashing, verbal threats, etc. Borrowers are advised to keep relevant video and audio evidence and seek police help in time.
To sum up, in the case of on-site collection, we should pay attention to the following points:
1) show attitude, have a good willingness to repay, and communicate and solve it;
2) Collect evidence of violent collection, and you can complain to the CBRC and the police;
3) Make a reasonable repayment plan. Loan sharks can be repaid within the legal scope, and the excess is not repaid.
First, the private number said that it would be collected at home. Is it true?/You don't say. You need to know the formal collection process!
In people's daily life, there will always be some situations that require a lot of money. If the user's funds on hand are not enough for immediate turnover, there will be cases of applying for loans on the Internet or withdrawing cash directly through credit cards. Is it true that the private number said that it would be collected at home? All borrowers should understand the formal collection process! Is it true that the private number said that it would be collected at home?
It's usually fake. Due to the increased supervision of the state on collection, most financial institutions will not choose to collect money privately.
In most cases, after the borrower is in loans overdue, financial institutions mainly urge the borrower to repay the loan in the first three months by phone or SMS. If the borrower has overdue the loan for more than 3 months, the financial institution has the right to sue the borrower.
However, it takes a lot of time, manpower and material resources to sue borrowers, and most financial institutions still focus on collection. Therefore, many financial institutions will send people to the door to withdraw money, but according to the regulations, it is necessary to bring a third-party notary and obtain the borrower's consent in advance.
In other words, the formal collection process should be that the collection personnel call the borrower with WeChat official account to inform him of his wishes, and the borrower's consent is required. If the borrower doesn't agree, the collector can't go to the door to collect, which is illegal and belongs to breaking into houses.
In fact, many financial institutions entrust the collection to a third-party collection company. Such collection companies often resort to violent means, and they will come directly to the door and even splash paint. This is also illegal. Borrowers can collect evidence and then directly sue collection agencies or financial institutions. However, it should be noted that the borrower's repayment attitude must be good.