As we all know, after the credit card is overdue, the bank will take various means to collect it, such as telephone collection, SMS collection and so on. And some card friends even received a dunning letter and didn't know what to do. Let's teach you how to solve the problem of receiving a dunning letter.
When you receive a dunning letter after the credit card is overdue, the first thing to do is to confirm the authenticity of the dunning letter. After all, some third-party collection companies will pretend to be banks to send dunning letters in order to make cardholders repay. Generally, a real dunning letter will be stamped with the official seal of the bank and signed by the customer himself.
If the dunning letter received is true, then the problem can only be solved by paying off the arrears as soon as possible, otherwise it may be wiped out.
Credit card overdue usually has two situations:
1. If the principal in arrears does not exceed 50,000 yuan, the bank may bring a civil lawsuit against the cardholder. After acceptance, the cardholder will be sentenced to repayment. If the cardholder fails to repay the loan, he may be included in the list of untrustworthy people, and then he cannot make high consumption, but he does not need to be investigated for criminal responsibility.
2. If the principal in arrears reaches 50,000 yuan, and it is overdue for more than 3 months, the bank will report the credit card crime, and the public security organ will file an investigation to confirm that the situation is true, and the procuratorate will initiate a public prosecution. In this case, the cardholder needs to bear criminal responsibility and may be sentenced.
No matter what form it takes, it is not good for the cardholder. However, the ultimate goal of the bank is to ask the cardholder to repay. If the cardholder is willing to repay, but can't afford so much money to repay at the moment, after receiving the notice of the dunning letter, see if he can negotiate with the bank for repayment.
How long will it take to receive the credit card dunning letter from Agricultural Bank of China?
Like other banks' credit cards, ABC's credit cards are overdue for more than 90 days, which means they may be cancelled after three months. Because when the credit card holder fails to repay the minimum repayment amount for three consecutive months, his credit card issuing bank has the right to file a lawsuit against him.
Legal basis:
People's Republic of China (PRC) Civil Procedure Law
Article 119 The following conditions must be met: (1) The plaintiff is a citizen, legal person and other organization that has a direct interest in the case; (2) Having a clear defendant; (3) Having specific requests, facts and reasons; (4) It belongs to the scope of civil litigation accepted by the people and the jurisdiction of the accused people.
Article 120 An appeal shall be submitted to the people, and copies shall be submitted according to the number of defendants.
If it is really difficult to write a written statement, you can make an oral statement, and the people will record it in the transcript and inform the other party.
Credit card will be dunned. Have you received the letter?
If the payment is overdue or fails to be paid after two reminders, the parties concerned will be involved. First of all, after repeated reminders, if the parties still do not repay, they will file a civil lawsuit against them. After the people's court hears the case, if the parties still fail to repay the loan, they can transfer the case to the public security organ for investigation and formally establish it as a criminal case. After investigation, the public security organ will transfer the case to the procuratorate for public prosecution.
Legal basis:
Article 667 of the Civil Law of People's Republic of China (PRC) is a loan contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.
Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.
What if I receive a credit card dunning letter?
If the dunning letter received is true, then the problem can only be solved by paying off the arrears as soon as possible, otherwise it may be wiped out.
A dunning letter is a dunning tool, which is a notice used by the payer or individual when the payment is overdue. Write in the form of letters. People have established a fixed form on the basis of long-term practice, which can be filled in directly when using it.
2. At the end of the dunning letter, it can be added that if the defaulting party still refuses to pay after being reminded by the dunning letter, the dunning party can impose a fine according to relevant regulations (such as contract regulations and bank regulations) or settle the payment through legal channels.
To sum up, the purpose of sending a reminder letter is to collect money from the defaulting party. In the process of writing, the dunner must specify the contents of the dunning letter, especially the time, amount, bank account number of the dunner, and the final payment period. In order to facilitate the repayment of the defaulting party and protect the legitimate interests of the dunner to the maximum extent.
4. In order to speed up the capital flow, reasonable turnover and expand reproduction, creditors will take dunning measures for intentional or unintentional default. Through dunning, we can recover the arrears in time and avoid or reduce economic losses as much as possible.
Five, if the real economic losses are caused to the creditors due to the default of payment, the reminder letter can also play the role of a record voucher, that is, when the dunning unit wants to pursue the other party's economic responsibility, the reminder letter can be used as a powerful voucher.
6. If the collection is urgent, you can write the word "urgent" before the title. Generally, titles should be numbered, which is convenient for inquiry and contact, and it is also a powerful certificate for the economy once it goes to court. The full name and account number of both units should be clearly and accurately written in the dunning letter. If necessary, the address, telephone number and agent name of the dunning unit shall be stated. If the dunning is made by a bank agent, the name of the bank where both parties open an account and the names and accounts of both parties must also be stated.
This concludes the introduction of credit card dunning.