A friend owes money and does not pay back, as an emergency contact person, is certainly to be harassed. Collections Several phone calls a day, but also asked you to help its repayment, is not very aggrieved also very helpless.
Bunny guessed that this kind of thing must be more than one friend has encountered. First of all, if you're just an "emergency contact", it doesn't really matter much. But some unscrupulous collectors will tell you that you are a "guarantor" and ask you to pay for your friend's debt. The first thing you need to do is to get your hands dirty.
When you receive this kind of collection phone call, you should first indicate that the loan is not their own application, but also not with the borrower *** with the consumption of this loan, the lender in the application of the loan of their own total ignorance, and therefore is not the lender to apply for a loan of the guarantor, so they do not have any relationship with the loan, there is no obligation to repay the lender. The answer can be clear: no further harassment.
If the collection agency is still harassing you after your attitude, you can file a complaint with the relevant departments or regulatory agencies, and the country is currently regulating cash advances.
In addition, take the initiative to contact the lender, explain to him that he has been seriously affected by his life due to his fault, ask him to repay the loan as soon as possible, and you can remind him not to set himself as an emergency contact anymore. If that borrower cannot be contacted, you can try to contact his parents and family members and ask them to pass the message on his behalf. If your friend really does not care, you should not be harassed because of the other parent's contact information to the collection platform, after all, the parents are not wrong, although you set you as an emergency contact person is a very selfish behavior, but we can not be so selfish is it! The first thing you need to do is to get your hands on the phone.
If none of the above works, try the following!
Don't give up your friends so easily
Pretend to be confused and pretend not to be familiar with it, and give him a delay, so that he can positively face the debt. Don't reveal the borrower's address, let alone your relationship, and pretend not to be acquainted with the borrower. The general collector found that even you do not know the borrower, then, will fall into the brain blank, do not know how to respond to you, at most, a little sophistry suspected that you lie, and then you can not do anything about it. After all, the phone does not know the actual situation in the end how.
Emergency contacts do not have to square
Secondly, when the borrower left information as an emergency contact. I'm not sure if I'm going to be able to get out of this one, but I'm going to be able to do it. But do not square.
First, the emergency contact does not necessarily have the responsibility to pay back the money. Second, the emergency contact should be and the borrower has a certain special relationship with the person - relatives and especially close friends. If the platform did not verify the relationship, and we really and the borrower relationship is not so iron, you can explain to each other. If the friend is really disconnected at this time, we can return this honorable and difficult task to the collector himself.
Repeatedly harassed this response
The platform in the hands of the borrower's cell phone number service password, on the recent call records like a finger in the eye. If you have recently contacted this fox friend, you are likely to become the object of collection harassment.
If the collector repeatedly harasses, you can make up some lies and tell him that the borrower also borrowed your money and did not pay it back, and you are also a victim. You can also choose to record the content of malicious harassment, and then seriously tell the other party has retained the evidence, and further harassment will be reported to the police, so you can avoid the trouble of being called again.
Learning from your mistakes, you should quit gambling and other bad habits to avoid making friends.
What if you are overdue for an online loan and are visited at home?
First of all, it should be clear that the platform has the right to visit the door to verify the situation. But most cases will not, because the cost is high. So if you don't owe too much it's probably a fake. But if you do get a door-to-door visit, don't be afraid. Remember we only owe money not our lives.
On overdue online loans:
Collections are reasonable and legal, try to cooperate.
The door will usually be equipped with a recorder, show your work permit and contract, enter the door with your consent, talk to you, and that's it.
And you can record the whole process. If he does not agree, immediately call the police, remember we owe money is wrong, but the law will still protect our legal rights.
Overdue online loans are civil disputes, those who have nothing to do with law enforcement agencies, all paper tigers. Don't pay attention to it, don't be affected by the mood, work hard and earn money.
Additional content:
Internet lending, the foreign name is Internet lending, p2p network loan is the abbreviation of the network loan, including individual network lending and commercial network lending. p2p network lending refers to the individual and the individual through the Internet platform to realize the direct lending.
It is a subcategory of the Internet finance (ITFIN) industry. The number of online lending platforms grew rapidly in the country in 2012, with about 350 more active ones so far, while the total number as of the end of April 2015 had been 3,054.
Overdue online loans, collection will really come to my door? How is it going to be handled?A positive answer
Whether the overdue online loan will be door-to-door collection, have to be analyzed on a case-by-case basis.
Two, specific analysis
1, if it is only just overdue not long, then generally will not directly to the door, mainly through the way of sending text messages, phone calls to call.
If the borrower receives a reminder text message or phone call in a timely manner to pay off the arrears, then naturally after that will stop collection.
2, if overdue for a long time, and the lending platform to see their own repeated reminders did not respond, some may be outsourced to a specialized collection agency to collect, and the collection agency is likely to come to the door.
In particular, we need to pay attention to, online loans mixed with a lot of irregular loan sharks, and loan sharks door-to-door collection is very likely, when the daily life will inevitably be disturbed.
3, the formal licensed lending platform generally will not take the door to collect the way, just if the borrower overdue time is too long, the amount owed is relatively high, that can not contact the borrower himself, may go to contact their emergency contacts, in order to recover the money, and may even be filed with the court, through the legal channels to urge the borrower to repay.
You can check your online loan big data information at: Xiaoqi Xincha. The database cooperates with more than 2,000 online lending platforms, the query data is very accurate and comprehensive.
Three, online loans did not pay off the impact of credit union loans?
The online loan is not paid off, as long as there is no record of late payment, and the outstanding amount to be paid off is not much, then it will not affect the user's subsequent application for credit union loans.
The fact that there are no overdue records means that the user's creditworthiness has not been affected, and the fact that there is not much money owed means that the individual's debt ratio is not too high, which allows the user to apply for other loans as normal.
After the online loan record, the user must pay attention to repayment on time, not on time repayment of the late record, will have a direct impact on the subsequent application for loans.
Internet loan overdue door of violent collection should be how to deal with
Internet loan overdue after receiving a reminder text message how to do? Can be dealt with from the following aspects:
1, as soon as possible to pay off the arrears
After the online loan overdue, we must pay off the arrears as soon as possible, because many of the interest rate of the online loan is relatively high, and once overdue, there may be a high late fee. In addition, some of the online loan products need to carry out credit, or cooperation with Sesame Credit, overdue affect personal credit. Therefore, after the overdue, those who have the ability to repay should do so as soon as possible, so as not to affect personal credit or incur high penalty interest.
2. Borrow money from relatives and friends
If you are unable to pay back the money temporarily after being overdue, you can choose to borrow money from your friends and relatives to solve your urgent needs. After all, the cost of overdue online loans is higher than the cost of borrowing money from friends.
Collection of evidence
Online loan overdue by violent collection or threat, you must collect evidence, if necessary, to report to the relevant departments.
Online loan overdue will also affect the user's Internet Hacking Index score, if the Internet Hacking Index score is too low. A low Internet Hacking Index score will not only affect the success rate of a home loan, but will also affect the user's Chanting and Borrowing limits, and even lead to the Chanting and Borrowing being shut down.
The impact of an internet loan blacklist on an individual is that they are applying for a new loan and will have a hard time getting approved again. Although online lending is very convenient nowadays, it is important to spend money wisely and pay attention to repaying on time to maintain your credit history. If you are applying for an online loan for a long period of time, be sure to keep an eye on your big online loan data to prevent being blacklisted for blind applications.
Just search: quick card test. Click on the query, enter information to check your hundred lines of credit data to find this WeChat mini-program. The data comes from the national online lending platform and CUP. Users can query their big data and credit status, get data on various indicators, query personal credit status, blacklist status, online loan application records, application platform type, etc.. , online loan credit limit estimation and other important data information.
Compared with the central bank's personal credit report, the scope of online loan big data is wider, and the organizations that issue it are more diverse. It is part of the personal credit record and is a useful supplement to the traditional personal credit report.