I have only one trick to deal with the collection. I don't answer the phone or reply to the text messages. No matter how many lines and scripts he prepared in advance, it won't work at all.
many collectors are afraid of people like me. I have a strong psychological quality, and I have people who know a lot of financial knowledge and legal knowledge. Many times, collectors call and play tricks with them, especially female collectors occasionally talk to him about some topics and get some evidence. Because I talk to the female collection staff to carry out routines, some female collections have been reversed by me for more than 1 times!
I just do overdue collection of credit cards. Speaking of what kind of collection objects the collectors are most afraid of, to be honest, when I first started to do collection, I was most afraid of those who had no money and were unreasonable. Those people, they can't handle a penny, and they deliberately make things difficult for others. He tried to use the most vicious language to make the collectors retreat and let them go. And we can't be tit for tat with them. After all, we are all legal and legal, and the whole process is recorded. So for their unreasonable demands and unreasonable words, we can only hang up the phone silently. Later, after working slowly for a long time, we found that we were not only afraid of these people, but also avoided the following kinds.
the first kind of people are those who are lazy. This kind of debtor will answer the phone when you call him. When he mentions the debt, he will say that a sum of money will arrive soon, or that his salary will be paid immediately, and he will clap his chest and promise to pay it back at the end of the month. He will answer the phone every day in the future, and he will be sure that it will be no problem by the end of the month. But by the end of the month, their phones were disconnected, and they couldn't get in for the next week. After ten days and a half months, the phone suddenly got through, and they would find reasons, such as that the phone was broken, or that they forgot to bring it on a business trip. Then they promised again that the money would be paid back in a week and that the source of the money would be made clear. But a week after they promised, the phone was disconnected again. After a while, they get through and promise again. They play with the collectors by this trick. They never say no, but always promise and disappear, which makes the collectors angry and hate, sometimes surprised and sometimes angry. Finally, after slowly figuring out their routines, I never wanted to talk to them again.
the second kind of person is a woman who cries and complains about dying and living. Women like this, after you call them, they will tell you all the misfortunes in their lives and work. Maybe no one listens to them at all in life, so they are very emotional when they say it, and they cry unconsciously from the other end of the phone. As collectors, we also have to comfort them. Let them not worry, pay back the money slowly in the future, don't be too sad, and the future will be better. Persuade, they will say that the money will be repaid, and so on. You can't put pressure on people who owe money, let alone bear to put pressure on them. The end result is that they can't handle a penny for a year or so. When they call, they still complain about crying and confiding. We really don't want to call them and listen to their nagging. We are really afraid of such people. They are like soft knives, which make us afraid from the heart.
the third kind of people are the so-called debtors who know everything. Call them and tell them kindly that what they say is full of thorns. They will ask why you call them, and who can you represent? They will go to the bank to pay back the money without talking to the client. What's your job number? Which company does yours belong to? Even if you tell them all this, they will say that the principal will be paid in installments, and they will stop paying the bill. Anyway, they just mention some conditions that you can't do, so they can justifiably not pay back the money, and they still think that the collection staff is unreasonable. If you put a little pressure on him, they will say something, they will record it, they will complain, and so on, to threaten you. People like this have no money, and they are self-righteous. I still feel how glorious and noble I am if I don't pay back the money I owe the bank. It's only natural to pay back debts. They really don't understand or play dumb.
the fourth kind of person is the one who owes money even he dare not admit it. If you call him, he will say that you have the wrong person, and I am not someone. In fact, they just, before you could react, they hung up the phone with a bang, and when you called again, they just didn't answer the phone. After suddenly connecting, they angrily reprimanded you and said that they were harassing them. Tell them about the arrears, and they hang up the phone again. People like this are justly and maliciously evading bank debts, but they feel that they owe money, so others should not call for collection. There is a feeling that you should pay back the money you borrowed with your ability. You dare not admit who you are, but you say it makes people angry and not angry. This kind of person is not even as good as a child. I really don't know how to set an example for the next generation. If you have no money, you can connect the phone and admit that you are me. If you say you have no money, we won't. How to recruit him? Why be a little puss-head.
the fifth kind of people are those who are in debt. There are five or six or even seven or eight credit cards that are overdue. What other bank loans, online loans, friends' loans, etc. People like this have their phones ringing off the hook every day, and it is impossible to expect them to pay back the money. They may even have no money to eat, no job, no family and no dreams. Will they have a good mood every day? Do they think about paying back the money every day? Will you be able to pay back the money? Calling them 1 times may not be able to answer them, even if they occasionally answer what you say, they feel indifferent. They already hate the collectors, and they also hate the banks that once lent them money. People who owe money like this, we just throw them aside and don't even want to look at them.
the sixth kind of person is the person who talks about terms with you without a bottom line. They will say that so-and-so banks give them relief and installment, and so-and-so banks give them discounts on their principal, and so on. To tell the truth, every bank has its own policies, and each bank's policies are different. Some banks offer big discounts, some banks offer small discounts, and some banks even offer no discounts, no installment, and no relief. Therefore, they just feel that some banks have policies, and all banks have them. If they can't do it for them, they will not return it directly, let alone answer the phone. I feel like begging them to pay me back. I owe money and drag myself like a grandfather, but the collectors have become grandchildren. They are above me. The credit card is overdue, and it was all their own fault. People like them put all their mistakes on the bank and the collection staff. Every child knows that if you make a mistake, you should try to make it up, not repeat it. They pretend to be stupid and don't understand, and they are arrogant and unreasonable.
the seventh kind of person. It's the kind of debt that has been spoiled by family members. These days, I met a customer who was a girl, and the debt had exceeded 1, yuan. I called him and kept saying that I wanted to pay him back, but I didn't take action. Later, I simply didn't answer the phone. According to the regulations, we called her family. Her mother is a retiree. She heard that her child had bank debts and paid back more than 1, yuan the next day. We admire this mother very much. Rich people have high quality. But this girl, the person who owes money, called us and said that her mother had helped him pay back the money. Why didn't her card work? We told her that the card had been blocked after the deadline, and now the money has been paid back. You can call customer service to cancel it within 24 hours. But he didn't want to say that she was going to get her mother's money out. Later, when I checked the previous bills, I found that every time he was overdue for half a month, her mother helped her pay them back. Within half a month after the deadline, the card was not sealed, so he repeatedly set the money out again. This time, it was more than three months since his mother returned it for him. The card was locked, and she couldn't get it out. Finally, she blamed us. It's really not such a shame on my family. I've never seen such an unreasonable child. We are too lazy to pay attention to him, and we all stay away from her.
the above are the kind of debtors we are afraid of. To say that you are afraid is actually too lazy to pay attention to them. We are just worried that in the end, they didn't pay us back a penny and made us all coquettish. People's quality is high and low. However, the quality of people who generally owe money is not very high. Before listening to cross talk, Degang Guo once said, "Poor people are born with trickery, but rich people have a long conscience.". Of course, there are still some people who can take the initiative to pay back the money and have a very good attitude. Some of them care about their credit information, some care about their children, some care about their reputation, and they all actively pay back the arrears. There are only one or two people in 1 who are capable and willing to pay back. The rest of the people either don't answer the phone, or they are difficult people who make us hate and scare us.
I know a man who is less than 3 years old this year. He called him all the time, and he was scolded by the words of collection. This man called this number whenever he remembered, calling in the middle of the night, calling all the time, and using someone else's mobile phone.
It's not easy to survive the epidemic. Now there's a fairy tale left. The balance of the mobile phone is insufficient. I can't take care of anything when I stop working.
I owe JD.COM IOUs, Xiaomi loans and flowers. Now the epidemic is not easy to find, and there is no money at work. If you can't find a job, eating will become a problem. Last time, the collector called me and asked me for money. I said I would lend him some money for dinner, but he didn't give me a shit. If you really want money, you should help me.
How can you find a job and pay back the money if you don't have enough to eat?
I can't believe I bombed it by phone!
just answer the phone and say: I don't want to pay it back, I have no money, sue, goodbye.