In this "Jianghu", there are people who are as anxious as she is because of debts, people who try their best to "fight", "Lai Lai" who apply for loans on institutions or platforms that are easy to issue loans but don't pay their debts, and a group of professional institutions that claim to provide services exclusively. Everyone's goal is the same: avoid debt collection and find ways to avoid debt or interest.
However, this service, which is beautified as the debtor's "last driftwood ashore", is actually risky and has caused interference to the normal financial order.
Recently, Wu Ming, the asset management department of a joint-stock bank in South China, received 16 letters of complaint from various regulatory authorities across the country. The cardholders involved in these complaint letters are distributed all over the country, and the overdue time is also different. But judging from the postmark, they are all from the same post office in Shenyang, and not only the contents of the complaint letter are exactly the same, but also the typos are the same.
The author found that helping Lao Lai to delay repayment and reduce overdue interest charges has quietly formed a gray industrial chain-offline and on various social and e-commerce platforms, some companies or teams that claim to help customers "stop high liquidated damages and interest", "reduce repayment" and even "protect customers' remaining assets from being forced to bid" charge 10%-70%.
This "Jianghu" is called "anti-collection"
65438+ According to Article 70 of the Regulation on the Supervision and Administration of Credit Cards of Commercial Banks, the personalized installment repayment agreement is signed through equal consultation with the bank, and the repayment period shall not exceed five years. During the negotiation of repayment, interest, penalty interest, overdue fine and other fees shall be stopped.
2. When you receive any collection call, remember, don't believe anything said by the collection, even the punctuation marks in the collection are false, and don't think about negotiating repayment with the collection. Collection has no right to reduce any expenses for you. Once you have paid back the principal, another person will urge you to pay back the interest and overdue fees.
Don't trust any lawyer's letter, pre-litigation circular and indictment sent to you, because they have no legal effect. Only the court summons has legal effect, which is usually delivered by courier or court staff. The service of the summons is very strict, and no mistakes can be made in any link.
4. You receive any phone call saying that he is a lawyer, a person from the risk control department and the case investigation department. Law is regarded as a collector because this industry is called role-playing.
5. Court summons. When you receive a court summons, you usually arrange a court hearing. In addition, after going to the court, you can consult with the courts and institutions. You can tell your own difficulties and ask for repayment by installments. The repayment period refers to the personalized installment repayment agreement.