In short, the user receives a collection message at the early stage of overdue, and as long as the arrears are paid off in time, there will be no door-to-door collection.
Extended data:
Bank loans overdue collection:
After loans overdue, banks usually send text messages or call borrowers within a day or two, asking them to pay off their debts as soon as possible. In fact, when the repayment date approaches, in order to prevent customers from forgetting to repay, banks often send reminders to customers a few days in advance.
It should be noted that if the bank fails to repay the loan after repeated collection, and the overdue time exceeds three months, then the bank has the right to bring a lawsuit to the court. Therefore, customers must pay back in time, and it is best to develop a good habit of paying back on time. If it is overdue, it is also necessary to pay off the debt as soon as possible to minimize the adverse effects caused by overdue.
If you choose to ignore or even directly lose contact after being collected by the bank, the bank will not find anyone. If the circumstances are serious, it is possible not only to sue the court, but also to contact the local public security department to start online recovery, and the borrower is also likely to be included in the list of untrustworthy people. Once you become a faithless person, you will not only be unable to do credit business, but also your daily travel and consumption will be affected.
Overdue collection of online loans:
After the online loan is overdue, there is actually no specific time limit for how long the loan platform will give up the collection, mainly depending on whether the loan platform insists on recovering the money. For example, some platforms think that they can't get back the money, and the amount owed is not very high. They may give up after half a year or a year or two; Of course, some will keep dunning, or even outsource to a special dunning company for dunning.
As for whether there will be door-to-door dunning, the loan platforms have different regulations. However, if the loan platform looks for a special dunning company to dunning, there is a high probability that it will come to the door.
In this regard, customers are advised to find ways to pay off their debts as soon as possible. When all the arrears are paid off, the loan platform will naturally stop collecting. If the loan platform charges high interest fees in violation of regulations, customers can collect evidence in turn and report the platform to the local CBRC or China Internet Finance Association.
If you are treated with violence, threats, etc. In the process of collection, customers can also call the police directly.