In my daily work, I have also contacted customers who bring their children to outlets, asking about excessive loans and how to solve such problems.
During that time, there were indeed many institutions targeting college students, and the forms of loans were varied. Among them, some non-compliant and even illegal institutions take advantage of students' lack of social experience and financial knowledge, especially some students like to compare with others and have strong vanity, and illegally lend money to students, resulting in higher and higher debts for students. Coupled with the fact that students have no financial resources, the final result is definitely that they cannot repay their debts.
Once the arrears cannot be returned normally, it will affect students' credit information and big data information, which will have a serious impact on going to society and participating in work in the future. Those informal loans are more likely to affect students' physical and mental health.
In the previous work, customers often came to the outlets to consult how to solve the problem that children's debts could not be returned. Here, from the perspective of a banker, I would like to share with you my methods:
First of all, we should be thankful that as parents, we have discovered the fact that our children have borrowed a lot of loans and can't repay them in time, so we can start to solve them before they cause more serious consequences.
Then, don't panic, don't get angry, and we can solve the problem of fait accompli step by step.
Fully understand all the debts of children. As parents, they should communicate with their children at the first time and ask them about all the loan and credit card issuers, the total amount, the amount owed, the repayment situation and the overdue situation. , and try to sort out the relevant information of loans and credit cards, including application materials, consumption materials, account arrival, repayment records, etc. , and list them one by one. At this time, it is best not to criticize children too much, put too much pressure on them, and let them account for all debts clearly and completely, which will be of great help to us in solving problems in the future.
Print the credit report of the People's Bank of China and inquire about the big data information of online loans. By querying the People's Bank of China's credit information and big data information, we can have a clearer understanding of various liabilities under the children's names. Here, we can divide various liabilities into three categories:
The liabilities shown in the credit report of the People's Bank of China can usually be reflected in the credit report of the People's Bank of China, which can be considered as credit cards and loans issued by formal institutions. This part of the debt should be given priority.
The online loans displayed by big data are often some online loans that are not reflected in PBOC credit information, but are displayed in big data. At this time, it is necessary to judge whether these online loans are issued by formal institutions, whether the interest rate is compliant, and whether there are various routines or illegal loans.
Loans that are not reflected in the People's Bank of China's credit information and big data are often private and non-institutional personal loans. Most of these loans are not formal loans, with high interest and deep routines. This part of the loan is also what we should focus on.
According to the specific situation, solve one by one:
The first thing to be solved must be the credit card and loan liabilities reflected in the credit report of the People's Bank of China. We can clearly see which children's debts are still being repaid normally, which are overdue, and what is the specific overdue time and amount. Under the premise of family conditions, if you can help your child repay the loan, you'd better give it a hand. After all, the bad credit record of the People's Bank of China is still very influential. Long-term credit cards and loans overdue may be prosecuted, blacklisted or even sentenced. You can give priority to those overdue loans and credit cards, and actively communicate with the card issuers, whether you can apply for extension, extension, suspension, installment, exemption from late fees and penalty interest, etc. , and strive for as much as possible, as soon as possible to repay.
Secondly, the liabilities reflected by big data are mainly online loans, and we need to distinguish whether the issuing institutions of online loans are formal. At this time, it is necessary to carefully check whether the issuing institution is qualified for lending, whether the terms in the loan agreement are reasonable, whether there are routines in the process of lending, and whether there are any deductions for handling fees and platform fees. And whether the comprehensive rate exceeds the national statutory maximum loan interest rate standard. If it is compliant, then refer to the above and actively communicate and solve it. However, if it is not a formal or even illegal platform, we need to collect relevant certificates in time, negotiate with the platform when necessary and call the police in time.
Private loans for private loans, there is often no accurate treatment method, which needs specific analysis. But one thing is clear: the state has relevant standards for the interest rate of private lending. In the past, it was not allowed to exceed 24%, but now it is not allowed to exceed 4 times the LPR interest rate, that is, 15.4%. According to this standard, we can measure whether private lending belongs to usury. In terms of repayment, you only need to repay within the highest interest rate stipulated by law.
Correctly face the child's credit card, loan, etc. when collecting money. It's overdue, and it will definitely be collected by relevant institutions. The normal collection method should be telephone, text message or door-to-door. Speech and behavior should be reasonable, compliant and legal, and there should be no behavior that threatens personal health and safety. In the face of violent collection, parents should take away relevant written and audio-visual evidence as soon as possible, and don't negotiate too much with those collectors and call the police directly.
Conclusion Finally, as an adult who has reached the age of 18 and has normal behavior ability, he can no longer be called a "child" and should be responsible for his own behavior. It doesn't matter if you make a mistake. Face them squarely, don't escape, and change the status quo through your own efforts. How much help can parents help when they are old?