1. What are the collection methods for overdue collection of various online loans?

Generally, those who owe online loans and cannot repay them will continue to be collected, and collection is divided into four stages:

1. Telephone harassment stage

Generally speaking, when the loan repayment date is still some time away, the online loan company will intermittently remind you about the loan repayment. This approach naturally means calling or texting every day or two. If you have no intention of repaying the loan, you may be receiving harassing phone calls every day. I think everyone can't bear to be harassed like this every day. Some may start borrowing money to repay it.

2. Not long overdue

When not long overdue, online loan companies may make several calls a day, or even dozens of calls to urge you. At this time, in addition, various counterfeit lawyer letters, etc. will appear, and even information from various agencies will be forged. Moreover, this kind of forgery accounts for the majority. The reason is very simple. Even if your credit card is overdue and the amount is small, you will not receive a lawyer's letter, but you will definitely be referred to the credit bureau. At this time, friends who don’t know their credit information only need to pass: Quick Card Test. You can check your personal credit score and comprehensive credit report by finding this WeChat applet.

3. Overdue for a long time

At this time, the people in the online loan company have no patience at all, and they can be said to be irrational. He will scold anyone who is overdue, and he will also use some means to threaten the lender, saying that he will take him to court. But some high-interest online loan companies themselves are not in compliance with the rules, so how can they dare to sue you?

4. Online loan companies find debt companies

Generally, online loan companies will find debt companies that specialize in helping people collect debts if they cannot recover the money. Their methods are simple and crude, and very Very few people can withstand this. If you have even passed this level, then this loan will basically be a bad debt.

To sum up, compliant online loan debt must be repaid in time to avoid a negative impact on our credit report. After all, it is natural to repay debts, but non-compliant platforms, We must say no to debt collection! Firmly!

2. What are the main collection methods of the P2P collection system

Whether it is P2P, banks, small loans, etc., the collection methods are basically the same, because they are basically outsourced to outside professionals. Collection agencies, their main collection methods are as follows:

Electronic collection: As the name suggests, collection is done by phone, by calling the customer himself or a third party contact number

Offline door-to-door: through Door-to-door collection will be carried out at the address left by the customer when incoming shipments. It is particularly important to note that under current supervision, this method may lead to regulatory violations

Judicial collection: through litigation

Special reminder: Collection must be legal and compliant, and abide by the principle of information confidentiality!

3. How long will it take for online merchant loans to be overdue for third-party collection? What is the method of collection?

Online Shangdai will retain the right to litigate for those who are overdue. It's hard to say. The probability of one is relatively high. If you do three things well, you won't be easily attacked.

1. Online merchant loans are online loans, and collections will be mainly online.

Online Merchants Loan is an Internet loan from Online Merchant Bank. Borrowers do not need to go to a financial institution to obtain various certificates before they can borrow money from Online Merchant Loans. Therefore, this kind of network will have various penalty interests, or reduce the borrower's credit score and the borrower's related accounts.

Online loan collection will not be easy, which will affect the company's cost and reputation. Most people will choose

2. The cost of online loan collection is too high and will not Taking this kind of online loan

Online Shangdai needs to deal with many loan customers, and everyone's situation is different. Once overdue occurs, Online Shangdai will formulate relevant strategies based on each person's situation. . The amount of online loans is not too high. Using offline collection personnel requires a lot of economic costs, so few online loan companies use this method to collect. Clarify the rights and responsibilities of third-party institutions, which can only collect debts from the borrower himself and are not allowed to collect debts from third parties unrelated to the loan.

This means that the third-party organization is engaged in harassment and cannot use the method of exploding the address book for violent collection.

3. Overdue online merchant loans will affect your credit report, and you must pay them back in time to avoid them

Online merchant loans are a product of Alibaba and are a formal financial period, which will affect your personal credit report. , leading to personal credit damage, shopping and consumption on online platforms will be affected, and personal home loans and car loans will also be affected, so overdue losses occur.