It is not true that I received a letter from a lawyer from Postal Savings Bank of China entrusting Shanghai Yuzhong Law Firm to sue for payment.

First, there are real and fake collection letters and lawyer’s letters sent by banks. The real ones are usually sent by postal express. The collection letters are nothing more than express delivery to you in the form of letters, which is similar to the collection phone calls for debt collection. As for the lawyer’s letter with the official seal, does it really mean that the platform is going to find a lawyer and go through litigation procedures? In fact, many banks and online lending platforms have law firms that cooperate with each other. Collections are also divided into telephone collections and legal collections. Telephone collections are generally known to debtors. Legal collections generally only refer to courier collections with legal documents for you. In essence, they are also Invisibly putting pressure on you, making you afraid to borrow money quickly to pay off the debt. The file formats are all the same. They just put the name and the amount owed in a different way, and stamp it with the official seal of the law firm. If you really receive the money, you can negotiate.

Second, if the loan is overdue, the bank can use various methods of collection, such as telephone collection, door-to-door collection, email collection, lawyer's letter collection, etc., which are legally valid collections and are applicable to the interruption of the statute of limitations for civil litigation. That is to ensure that the bank's claims are timely and always under legal protection. The bank's loan collection method is very different from that of many online loan platforms and private small loan companies. The following focuses on the requirements and precautions for banks' door-to-door collection. I hope it will be helpful to you.

1. If the loan is overdue for less than 30 days and the amount is relatively small, the bank will generally use telephone collection methods. If it exceeds 30 days, you will come to collect the loan. The key point is to ask you to sign the "Loan Overdue Collection Notice" to understand your source of repayment, willingness to repay, production and operation status and other important information, so as to prepare for the next step of collection work.

2. Staff requirements. Generally speaking, bank regulations require that two people come to collect and investigate, and they must present their work permit and ID card, your loan contract and the arrears principal and interest statement (the bank's internal accounting voucher). As for the letter of introduction and power of attorney, there are no mandatory requirements. Because the above two certificates are enough to prove their identity and nature of work.

3. Prohibitive regulations. According to all bank regulations, whether it is bank account managers or third-party loan collectors, it is strictly prohibited to collect cash or bank cards from borrowers to prevent customer funds from being misappropriated. Even if the borrower wants to repay the loan, he or she must go to the bank counter to do so instead of handing the cash or bank card to the account manager or third-party collection staff for repayment. Therefore, if a collection agent finds various reasons to collect cash or your bank card, it is obvious that he is either a scammer or an employee with malicious intentions, so please do not be fooled.

Fourth, all the reasons mentioned are just the fear of being deceived. Do not use this as an excuse to avoid repayment. In fact, you must know exactly how much you owe and when you should pay it back, right? As for the method the bank will use to collect debt, that is secondary. When a bank comes to collect money, the first thing is to ask for evidence of timeliness, and the second thing is to understand your true situation and willingness to repay. In a word, if you are able to repay, we will remind you to repay as soon as possible. If you are unable or have attempts to avoid debt, the bank will take the next step in a timely manner. As a borrower, as long as you take the initiative to repay the loan as agreed and don't hand over your cash and bank cards to others to repay the loan, nothing will happen.