It was the same man who called several times, but his attitude was as bad as ever. What else did you say? Pay back the money quickly. It is best not to have anything to do with their company in the future. They also called and texted my emergency contact. They are all exaggerated short messages, such as loan fraud, malicious default, subjective default, blacklist, affecting family travel, high limit and so on.
Two days ago, another customer who claimed to be Doudou Money called me to discuss the repayment plan with me. There is no room for negotiation. The specific reason is that they asked to pay back some of the remaining installments first. I don't agree. My request is that everything should be staged. The next day, another person called and said, I don't agree to solve their demands through consultation. I told him that I agreed to negotiate, but the negotiation is an agreement between both parties, not your overlord clause. If I want to appeal, I will actively cooperate. He hung up the phone.
The most disgusting thing is here, as shown in the picture. Add WeChat directly to the remarks as "loan fraud". Now it is a society ruled by law. Did you just say that? How can nine-year compulsory education be so good? I complained on wechat that she violated my reputation. I wonder what will happen. I am a debtor, but I also have the right to safeguard my legitimate rights and interests.
Related question and answer: What should I do if I don't pay back the beans? When the bean money is not repaid in the repayment process, the evidence that it cannot be repaid should be preserved first. For example, we can take screenshots of the wrong message and the consequences of not paying back the beans. Then call Doudou Qian's customer service phone number 400 160 1666, and turn to manual to describe the incident to the customer service staff and explain that they didn't intentionally overdue, so that the staff can handle it. Doudou Money is a mobile Internet loan platform under WeChat Jinke Group, which is listed in Hong Kong stocks. If it is overdue, it will be reported to the credit information system. First, the members of the loan review committee can be the heads of microfinance business of tier-one branches with certain experience, the post-lending management posts of microfinance business institutions and the heads of microfinance business. As the second line of defense against loan risks, the quality of the loan review meeting will directly affect the risks in loans overdue, and also affect the quality of investigation and review. Therefore, the members of the Loan Review Committee should fully grasp the information in the investigation report in advance, grasp the main risks, make suggestions to the credit personnel on the personal basic situation of the loan applicant, the purpose of the loan, the production and operation, and ask questions on cash flow, repayment ability, personal credit of the operator, etc. The loan officer should highlight the key points and truthfully answer the questions raised by the loan review meeting. The loan Committee will implement a one-vote veto system, and only when all members of the loan Committee unanimously approve it will the lender approve it. At each loan review meeting, a special person shall be appointed to record the contents of the loan review meeting, record the questions of the members of the loan review meeting and the answers of the loan personnel in detail, and fill in the loan review meeting record form. There should be no "going through the motions". Second, as the first line of defense of loan risk, the review post should pay attention to the acceptance process and be vigilant. Examining the completeness, completeness and compliance of the application materials submitted by the applicant; Whether the applicant's subject qualification meets the relevant business requirements of the bank and whether it has a bad credit record; Whether the loan purpose is in line with our credit policy and whether it is specific; Whether the loan investigation report is complete, whether the calculation of key financial indicators is accurate, whether the obtained data is cross-verified, whether the customer credit rating table is reasonable, and whether the palm reading suggestion in the investigation report is reasonable; Verify the borrower information by phone. Whether the guarantor of the guaranteed loan understands its guarantee responsibility, and whether the team members of the joint guarantee loan understand its joint liability, etc. The unqualified business is returned to the loan officer, and the loan officer supplements the corresponding materials or refuses to lend according to the examination opinions. Third, issue an effective written notice, claiming that the bank has collected the loan from the other party and set a repayment period for the other party. If the other party fails to repay the bank loan within the time limit, the bank will punish the other party according to "what" measures. Therefore, the company requires customers who are in arrears with the sales payment to repay within a certain period of time, otherwise they will be forced to add interest. This is easy for ordinary debtors to accept and makes them feel that the company has to do it. Seize the opportunity to call for debt collection. Call the debtor when he is in the best mood, and they will be more likely to cooperate with you. For example, it's best to start calling at 3:30 pm, because they are usually busy in the morning. It's a good idea to leave debtors half a day to do business, so that they have enough time to enter the normal working state, and they are generally in a better mood when they are more relaxed in the afternoon. At this time, it is easy to accept the collection of arrears. Besides, you must avoid talking on the phone while others are eating.