In reality, such debtors who are petitioned are often public officials, because it is common for ordinary people. It doesn't matter what kind of petition you receive, but public officials are different. Once they are named by the bureau of letters and calls, the leaders of the unit will often put pressure on them, and the collectors will achieve their goals.
Faced with the pressure of the unit, I feel very uncomfortable. Here, I would like to give some suggestions, hoping to give some help to friends who have the same experience:
Borrow money first and pay off the loan. Paying off debts is a matter of course. I can't say that. Of course, when you repay, you can negotiate to repay only the principal or ask for interest relief.
Second, complain to the other party or directly sue. In the process of the other party's petition, there is a high probability that your personal privacy will be revealed. You can choose to complain to the management organs of lending institutions, such as the China Banking Regulatory Commission and the Internet Finance Association. Of course, you can also complain to platforms such as black cat complaints. If you really feel wronged, you can also find a lawyer to directly sue the other party.
Third, you also go to petition. Go to the bureau of letters and calls and explain why. It's not like you don't pay back the money. It's just that you are already heavily in debt and have no money to repay. Your life has become a problem. The other party can directly sue for rights protection. Why did you complain to the bureau of letters and calls? You can't handle the pressure from your unit now. Isn't this driving people to death? I hope the government can point out a way out.
Of course, many people who encounter this situation are friends of public officials, and there are often many concerns in the process of safeguarding rights. In fact, this is the case, regardless of other things. Sometimes face is not that important. Say what you have to say and do what you have to do. Don't be afraid of what the unit will do to you. You should always remember that the unit can't fire you just because you don't break the law.
Maybe collectors will complain that you borrow money to do business, and public officials are not allowed to do business. At this time, you shouldn't be silent at all, but you should firmly deny that if they really give you business loans, then they will first issue loans in violation of regulations, because the CBRC clearly stipulates that financial institutions are not allowed to issue production and business loans to public officials. If there is anything wrong, it is their fault first.
In a word, you will inevitably encounter all kinds of troubles when you owe money. At this time, you should not care too much about what you want and concentrate on making money. Again, to solve the debt problem, in the final analysis, we still have to pay back the money.
Related Q&A: Related Q&A: What if overdue loans are unable to repay? First of all, I hope you can resist the pressure and don't panic. Only you owe money. Combined with my own experience and the personal warning of a lawyer friend with debts of several hundred thousand, overdue repayment needs to master certain skills. I think I have a few points to say:
Landing process
Since it's overdue, we certainly can't afford it in the near future, and we can't repay it in installments on time. Remember, don't rob Peter to pay Paul at this time! Or put a little money in. This is the fault of many people. In the end, all you lose is interest, and you can't finish it!
The correct way: When you make a phone call, you don't care what he says. You just need to tell him that my current economic situation is not good and I can't afford it in the short term. Don't look for me. When I have money, I will take the initiative to find a bank (or online lending institution) to negotiate repayment! To put it bluntly, we should know that the collection staff are also part-time, and they earn commission by the amount of collection. All you have to do is let him get information from you. You are not a good person, and you know the law, and you are not afraid of his threats at all (there will be analog call records for your reference below). He will know that you are not easy to pester and will focus on others.
After receiving the phone call, it means that you are not financially able at present, and you are willing to repay in the future. You can change the phone number. Then remember not to use your real name as a nickname for online shopping, that is, express delivery, because there may be a risk that the recipient will find out the phone number and address. I changed my phone number, and now no one has come to collect money for almost a year.
Then we say follow-up. We're not saying that everything will be fine without anyone calling. What you have to do at this time is to continue to make money. Someone once told me: You owe others money. What's your hurry? It's someone else who should be worried. You should eat and sleep, and it should be the people who lend you money who can't sleep. I felt much more relaxed at that time! Think about it, when someone owes you money and doesn't pay it back, after a while, you feel anxious and feel that the money can't come back. Do you think it's good to pay only the principal?
Therefore, so do lending institutions. Remember that repayment is negotiable! When you earn money for about a year, you can choose the most important thing, such as paying back your credit card first and calling the credit card customer service center to negotiate repayment. According to your situation, you can propose installment and reduce interest. If you owe a lot of money, you can divide it into one year and three years to ensure that you can pay it back in one month. If the other party disagrees, you can say that this is the best I can do. I still owe it to other platforms. If you can't do it here, I'll negotiate with other banks. It doesn't matter if he refuses. We are in no hurry for the time being. This is a long delay. What is more urgent is him. In addition, if you save a lot of money, you can tell him that the interest is free, so that I can collect the principal and pay it off in one lump sum! Generally, I haven't received your repayment for a year or two, and he is also worried that the money will never come back!
That's why we said not to pay back any money. We don't pay it back now, in order to pay it off faster with the minimum amount in the future! According to your actual funds and income, negotiate a repayment plan, which can be repaid every month and landed as soon as possible.
About communication with collection personnel
You must understand that you can't pay your debts. This is just a civil issue, not a criminal issue! That means you haven't committed a crime and won't be put in prison! So when the bill collector says that you are involved in any credit card fraud, it is a threat.
When the collection says that you will sue and come to the door, you don't have to pay attention to it. Every day, so many people are overdue, and everyone comes to the door to sue. Does he have the human and financial resources? You know, we are just a little ant on the overdue list. Only those who owe millions of dollars are their important "customers". To say the least, prosecution is not a very serious matter, so there is no need to panic. As for the door-to-door, it is really rare now, and the previous violent collection is now under control. And remind you to go to the hospital and school where you work. You just need to tell him not to bully me, because I don't know the law. Reminders can only be directed at individuals. If you affect my work and public order, I will call the police.
Others said that they would expose the address book. According to the law, they can only call you and your relatives and friends when you apply for loan collection. If he disturbs your other friends, it is an infringement of your personal privacy and reputation, which is also illegal.
The following is a simulated call record, which mainly reflects some ideas told by lawyers, and turns passivity into initiative for reference only:
Collection: Is this xxx? You have expired. If you don't pay back the money, we will sue.
Me: First of all, which collection agency are you from? I don't even know my phone number at the bank. How did you get it? What's your job number? Tell me. You charge me money in various improper ways. I recorded all the phone records, and I will complain to the relevant regulatory authorities. And as I said before, I will take the initiative to negotiate with the bank when I have money, and I have no intention of not paying it back!
General collection, here, he doesn't want to make trouble, and he thinks you are not easy to mess with, so he will make a hasty decision and say that he will wait until you have money next time. As long as the collection says something intimidating or threatening, you can keep the evidence and take the initiative to defend your rights. The collector is also a part-time worker. He doesn't want to take a box lunch, and he thinks you are not easy to bully, so he will naturally contact you less. The tone of all powerful debtors I have met is like this: "Mr. xxx, it has been several months." Do you think you have money to pay back this time? Can you return part of it first? " Even some people are lawyers themselves and will sue online lending institutions, saying that they charge fees indiscriminately.
Does it feel much easier to see this? I believe that most of us don't mean that we owe a huge sum of money, but we can pay it back slowly through day-to-day efforts. Some old people don't pay back the money. We are sincere enough, okay? Don't let a series of troubles in loans overdue mess up your life.
About credit investigation
There are also people who care about credit reporting. What my lawyer friend told me was: What do you want to do with credit information? Don't fly first class! Will it be difficult to move without credit information in the future? The only impact of credit investigation is your future loan, and the bank will not lend you any more. It won't affect your marriage and having children. Some people give it to themselves as long as they are in a hurry! Only children go to aristocratic schools, or some civil servants ask for good credit information, which has little impact on us! And the credit information is updated every five years, that is, after five years of repayment, you will restore a good credit information record.
I hope my answer can help you. Don't lose confidence in life when you come to loans overdue for any reason, because that's how I came. I remember one time, maybe my mother told 360 platform that I had suicidal thoughts! Later, the staff of 360 WeChat urged me to say that the little girl didn't need to do anything stupid for these tens of thousands of dollars, and she would definitely be able to pay it back later. Here, we just talked about WeChat collection. If you think they are boring, you can't pass them, and you are not allowed to search with your mobile phone number.
Although I haven't paid it off yet, if no one takes it, I actually think everything is normal. You just need to follow your preset trajectory step by step. What if it's not over? Don't go to extremes and don't make mistakes again. Come on ~