It is a collection method for online lending institutions to call their families after the online loan is overdue. They use big data to find the contacts of overdue customers, and then they may harass these contacts in order to repay them as soon as possible. However, this harassment of family members' collection method is not in compliance, and formal lending institutions will not adopt this method.

Therefore, in this case, customers must contact the lending institutions in time and stop harassing family and friends. If lending institutions still do this, customers can keep relevant evidence and report to relevant departments.

As a formal lending institution, even if customers are overdue, they will only take the following measures to safeguard their rights and interests:

1. Report the overdue situation of customers to the credit bureau.

2. Calculate overdue penalty interest.

3. Collect customers' own processes.

4. Freeze or reduce the loan amount.

5. Affect other loan applications.

6. Ask customers to repay in advance.

7. Malicious overdue customers will be prosecuted.

Will I contact my relatives when the online loan is overdue?

My family mainly sends messages or calls me to collect money. 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 it is not because of overdue illegal households, then we should look for other reasons, such as whether the frequency of applying for online loans is too high. If you don't know, you can look it up on Winnie Hsin. As long as you know what causes you to become a black household, you can improve online loan big data according to the reasons.

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 there is no emergency contact in the address book. 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 interest, and the customer service can call several times if it disagrees.

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.

Why did my brother call my brother's father-in-law when he owed an online loan?

In one case, the debt collection company illegally obtained your brother's address book and phone records, so as long as your brother's address book has a phone number and a phone number with a phone record, it will be marked as the contact person for dunning.

Second, your brother deliberately left your brother's father-in-law's phone number when he borrowed money.

Third, by chance, your brother casually filled in a phone number as a contact when he got a loan. Then I accidentally left your brother's father-in-law's phone number.

My nephew is also an online loan, and I have also become the contact object of online loan platform collection. So I hope it helps you.