There are generally the following methods for overdue collection.

1. Establish a persona

Collection companies often have a mature collection mechanism, which usually displays collection through teamwork, and the persona of each person in the team is There are differences. There are mainly three types of characters: good guys, evil guys, and middlemen.

Good people focus on service, establish friendly relationships with users, understand the user's basic situation, appease the user's emotions, and adopt relatively mild collection methods to ensure that they do not lose contact with the user.

Bad people are mainly responsible for exerting pressure, threatening and intimidating users. They often have a strong attitude. Sometimes the pressure is too great, which often causes users to lose contact. At this time, you need to be a good person to bring the user back.

Intermediaries are neutral identities, such as risk control center commissioners, pre-litigation mediators, etc., who often read out the decisions and punishment measures of some institutions to users. It is necessary to pave the way for the identity of a good person in the early stage and raise the profile of the intermediary. identity.

2. Exaggerating the impact of overdue payments

In order to collect payment as quickly as possible, collection officers often exaggerate the impact of overdue payments.

First of all, it claims that the overdue penalty is very high, and will inform the user that the penalty is calculated based on 10%-20% of the remaining principal of the user's loan, but the actual overdue penalty is only based on the overdue principal. to perform calculations.

And usually when the user is only overdue for a short time, they will inform them that the contract needs to be terminated and liquidated, and the user will be included in the list of dishonest persons, which will affect the schooling of their children.

If the user does not repay the loan, the litigation stage will begin immediately.

But the real situation is that after the expiration date, the contract will not be terminated immediately, nor will it be immediately included in the list of dishonest persons, nor will it be prosecuted immediately.

3. Door-to-door visits

Door-to-door visits are also a common method for collection. People often hope to put pressure on users through this method, but generally speaking, only when the overdue amount is Only if it is relatively large and has a local office, we will visit you.

But in most cases, it is often a bluff, and the thunder is louder than the raindrops.

As for some of the pictures sent to users (scenes near the user's home), the collection staff often ordered takeout themselves, positioned the address as the user's address, and commissioned the takeaway person to take pictures.

4. Fraudulent P-pictures and sending text messages under the guise of official names

During the collection process, in order to increase the authenticity of the matter, collection officers often make P-pictures or screenshots to forge some cancellations. Materials such as contracts, lawyers’ letters, blacklists and high-limit orders are hoped to deter users through this move.

However, if we identify carefully, we can find that these documents are not stamped with official seals.

In addition, debt collectors will also use third-party SMS platforms, such as the 1069 SMS platform, to send some risk reminders, contact relatives and other notification SMS messages in the official name. However, if you distinguish carefully, you can find that some words are different from each other. There are spaces in between. These are because they involve sensitive words and for fear of being intercepted, official text messages will not be sent like this.

5. False promises

Reducing or reducing interest fees is something that every debtor desires, and collection agents seize this psychology of users and induce them on the grounds of reducing or reducing fees. The user repaid the loan and stated that after repaying this month, he would not repay the loan in the next few years, but in fact there is no reduction or exemption.

And in order to prevent users from taking advantage of the situation, virtual numbers or mobile phones are generally used to communicate with users.

Wait until next month, when the user is overdue again, the collection call comes as scheduled. At this time, he starts to continue to cash out, saying that he needs to continue to pay for 1-2 months before the previous plan can continue. If it takes effect, it will allow users to pay back one month more.

If you are facing the problem of overdue online loans and are being collected, it is recommended that you go to "Blue Ice Data" to query to obtain a detailed big data report, understand your overdue records, and review your network Loans are classified to distinguish between formal loans that have a credit rating and informal loans that do not have a credit rating. If you want to repay the money but currently have insufficient funds, it is recommended that you negotiate with the online loan platform and give priority to repaying regular and credit-worthy loans to minimize the impact on yourself. This will not only improve your credit standing, but will also help you apply for other loans in the future.

Extended information:

What will happen if the online loan is overdue?

After the online loan borrowed is overdue, the platform will generally adopt the following collection methods.

1. In the stage when the loan is just overdue, the borrower is mainly reminded to repay the debt as soon as possible by sending text messages and making phone calls.

2. If there is no response after sending text messages or calling the borrower, the borrower’s emergency contact may be called based on the contact information of the emergency contact that the borrower left when applying for the loan. To inquire about the borrower's current situation (note that some may obtain the borrower's address book information and call relatives and friends in the borrower's address book).

3. If there is no response to multiple reminders and the debt has been overdue for a long time, some loan platforms may give up collection themselves, but will later outsource it to a specialized collection company, which will handle the collection. Collection, and collection companies are likely to come to collect collection.

4. If the borrower keeps evading repayment, the platform cannot even contact the person, and the amount owed is relatively high, in order to recover the money, the platform may also file a lawsuit in court and use legal means. To achieve the purpose of getting the borrower to repay the loan as soon as possible.