After loans overdue, Du Xiaoman Finance usually calls customers directly. If the customer fails to contact him many times, he will call his family as the customer's emergency contact. Of course, the time is uncertain. Maybe after three or five days, customers will start to rush to collect.
Once the customer receives the dunning call, he should repay it in time. When all the arrears are paid off, the platform will naturally stop dunning. If you continue to delay payment, Du Xiaoman may sue the customer.
How long does it take to call your family?
If the overdue time reaches 30 days or more than one billing cycle, and the previous collection is fruitless, and the cardholder cannot be contacted due to reasons such as visa refusal, the bank will generally arrange to contact the cardholder's family by phone, ask the family for the cardholder's new contact information, or ask the family to inform him of repayment.
After credit card (debit card) or loans overdue, the bank may not make a collection call in the early stage, but within 7- 15 days after the overdue date, it will generally send a text message to remind you. Even if it is a telephone collection, you should contact the cardholder first, instead of calling the cardholder's family directly.
How long does it take to call your family? Overdue beyond this time will
; ? In order to let overdue borrowers repay as soon as possible, online lending platforms and banks will adopt various collection methods. Including phone calls, text messages and even home visits. However, what is even more embarrassing for most borrowers is that their families have received collection calls. How long does it take to call your family? If it is overdue, it will!
How long does it take to call your family?
After the user's loans overdue is overdue for more than 3 days, the lending institution can call his family for collection. Of course, the user did not leave the phone number of the contact person when applying for a loan, so the lending institution will only call the lender for collection after the deadline, and will not call home for collection.
Users don't want their family members to receive collection calls, so they must take the initiative to negotiate with lending institutions after the deadline. After the negotiation is successful, the lending institution will not call the family.
Bank loans rarely call the borrower's home without the borrower's consent.
According to the regulations, banks must be standardized when contacting, and they cannot collect money directly from their families. If you abuse, insult or even attack on the phone, it is a violent collection. In this case, you should record it in time and complain to the bank as a voucher.
The second is that you can't tell the borrower's debt clearly, but you can ask your family to tell the cardholder to answer the phone or contact the bank actively, or get the cardholder's contact information through your family.
Of course, borrowers also need to pay attention to the fact that they must not lose contact after loans overdue. If lost, the collector has the right to contact your family.
The above is the related content sharing of "How long does it take to call home after the deadline?" I hope it will help everyone!
How soon will my family contact me after the deadline?
Family members who generally don't contact directly after the loan period mainly send messages or call for payment by themselves. Unless the arrears are overdue, Alipay can't contact me, and may contact its emergency contact person according to the relevant information provided when registering to open an account and applying for a loan. As for the specific time, I am not sure. It is estimated that if the dunning is not paid for two or three months, it is possible to call home.
And if you can get in touch, you won't contact your family if you keep returning it. The reason why I contact my family is that I want to know the current situation through my family, so as to achieve the purpose of urging repayment, rather than asking my family to repay on my behalf.
We also need to note that if the overdue period is too long, the amount of arrears is relatively large, and many parties can't contact anyone, then Alipay is likely to bring a lawsuit to the court and let it repay through legal channels (generally, it has the right to sue if it is overdue for more than three months, but Alipay will not sue easily).
If you don't understand the big data on your own network, you only need to search: Beijian Quick Check, click Query and enter information to find your own 100-line credit data. However, with the establishment of Baixing Credit Information, almost overdue online loans will affect personal credit in the future. You must pay attention to your ability when borrowing money.
Extended data:
Is it illegal to contact your family in arrears?
In fact, when the third party of the borrower is in loans overdue, it is illegal for the collection personnel to contact their relatives for collection. If it is not illegal to reserve emergency contacts, it is illegal if it is only an address book and no emergency contacts are reserved. Because it involves personal privacy and reputation, it is necessary to collect evidence, sue or complain to the regulatory authorities.
Borrowers are advised not to wait until the online loan is overdue before they want to negotiate. They can take the initiative to contact customer service to negotiate repayment before the deadline, give a grace period or directly reduce the interest of Tanzanians. If the customer service does not agree, they can call more times.
When communicating with the collection staff, you need to be sincere. Don't just say you have no money. They are tired of hearing this. After you can tell the difficulties, express your good willingness to repay, list your repayment plan, and show that you have work income and are trying to raise money.
If there are irregularities in online lending, such as membership fees and audit fees. , or the phenomenon of illegal collection, you can keep relevant evidence, understand certain legal knowledge to negotiate, pay due attention to your own words, and don't violate the language.
Finally, I need to remind you that you must find a formal online lending platform to apply for a loan, read the terms of the contract carefully, find out your rights and responsibilities, and see if there are any extra handling fees.