Under what circumstances will the loan company come to the door for collection?
When people want to buy a mobile phone, a car or a house, they can choose a credit loan when they have insufficient financial capacity and need to buy it. However, the premise of the loan is that they have a stable income and ensure that they can repay on time every month. Lending companies will also be very strict in reviewing applicants' information to ensure that they can repay their loans on time. However, things are unpredictable, because some customers may not be able to repay on time on the last day of the repayment date. In the first month, the loan company will call the customer to remind him to repay the loan. If it is more than one month, it can be submitted to the collection department, and if it is more than three months, it can be collected at home.
How does the collection department work?
When people apply for loans, they may meet salespeople, credit examiners and customer service personnel. Their personal identity information, home address, contact information of work units and family members will be included in the company's pocket. When they are overdue, they may see the staff of the collection department. The collection department will first contact the applicant by personal phone to urge him to repay the loan. If the urging fails, he will contact his work unit and even his family. If there is still no progress, it may come to collect it.
The purpose of the company's door-to-door collection is only to ask customers to repay, and repayment is the applicant's obligation. If the repayment is delayed for various reasons, you should try to communicate with the company to solve the contradiction between them. If you refuse to repay, it will not only affect your personal credit, but also be blacklisted.