Generally speaking, the attitude is good, and the threat of customer service explosion address book still exists. Although the authenticity remains to be discussed, Ant Financial ranks second in the annual complaint list, and the existing problem is "bursting the address book and harassing family members".
When making online loans, you should think carefully and don't affect your daily life. If it takes more than a week, basically there will be telephone contact from 057 1. This is the collection staff inside Ant Financial, with a good attitude. Generally, there will be no intimidation and insult, mainly to tell the repayment as soon as possible.
Extended data:
Calculation method of overdue loans:
1. Article 207 of the Contract Law stipulates: "If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or relevant state regulations."
2. The repealed "Economic Contract Law" and "Regulations on Loan Contracts" clearly stipulate that overdue loans should be penalized. 1995 "notice of the people's bank of China on interest-bearing measures after adjusting the loan interest rate" (hereinafter referred to as the "notice") and 1999 "regulations on the management of RMB interest rate" have detailed provisions on interest-bearing of overdue loans, and the Supreme People's Court has also made corresponding answers to such questions.
3. According to the above provisions and trial practice, there are two main ways to calculate the interest of overdue loans: one is to charge according to the agreed interest rate during the contract period.
4. Within the performance period agreed in the loan contract, the borrower's interest rate can be calculated according to the interest rate agreement as long as it does not violate the provisions of the People's Bank of China on the upper and lower limits of the loan interest rate of financial institutions, in which private lending is not higher than 4 times the bank loan interest rate.
References:
Baidu encyclopedia-overdue loans
References:
Phoenix. Com- Refusing to repay the liquidated damages Lao Lai Alipay deposit was executed.