After receiving the bank reminder, you have to deal with the debt problem. Details are as follows:
1. After receiving the bank's dunning letter, you must face up to the repayment problem and stop taking a negative attitude. After the bank issues a reminder, it may take litigation measures;
2. After receiving the bank's collection letter, you can take the initiative to communicate with the bank to indicate the current situation and apply for an extension of return;
3. After receiving the collection letter from the bank, if there is any real estate, you can provide the real estate mortgage to the bank to re-sign the repayment agreement.
The structure of a dunning letter generally consists of five parts: title and number, name and account number of the dunning and arrears unit, dunning content, handling opinions and signature. Dunning letter is a tool for dunning, and it is a notice used by the payer or individual when the payment is overdue. The purpose of sending a reminder letter is to make a reminder to 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 and final payment period of the dunner, so as to facilitate the defaulting party's repayment and protect the legitimate interests of the dunner to the maximum extent.
legal ground
Article 394 of the Civil Code of People's Republic of China (PRC) provides a guarantee for debt performance. If the debtor or a third party mortgages the property to the creditor without transferring the possession of the property, the debtor fails to perform the due debt or the creditor has the right to receive priority compensation for the property. The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property.
Article 71 of the Negotiable Instruments Law of People's Republic of China (PRC), after paying off in accordance with the provisions of the preceding article, the person against whom the right of recourse is sought may exercise the right of recourse against other bill debtors and request them to pay the following amounts and expenses:
(1) The total amount paid off;
(2) The interest calculated according to the interest rate stipulated by the People's Bank of China for the amount listed in the preceding paragraph shall be from the date of settlement to the date of recourse settlement;
(3) the cost of giving notice.
After the person against whom recourse is made pays off, he shall hand over the bill of exchange and relevant proof of refusal, and issue a receipt for receiving the interest and expenses.