Introduction
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Procedure
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Despite offering a number of advantages and being popular, online loans have a number of risks .
The risks of not paying online cash loans and paylater can vary. Starting from the lightest in the form of SMS to the heaviest with DC collection visits to homes or families.
What are the risks of not paying a loan?
Table of Contents hide
1 1. Enter the Collection of Failed Loan Payments
2 2. Telephone Billing
3 3. Home Visit by DC Collection
4 4. Reported Bad Debts in SID OJK, BI Checking
5. Possibility of DC Debt Collectors Coming to Your Home
6 6. Billing to Relatives, Friends, Family
7 Recommendations
When a customer is late in paying past the due date, the company begins the collection process.
Online loans must ensure tha t loans that recent mobile phone number list have been given can be returned because they have obligations to lenders who have entrusted their money to the platform.
In the P2P lending agreement, the organizer seems to have an obligation to carry out the collection process on behalf of the Lender. The organizer understands the collection methods and techniques better than the Lender.
Past the due date, usually a 3-day grace period, the debt collection team will start working by sending messages to the debtor as a warning to pay the loan.
1. Enter the Pinjol Payment Failure Collection
Online Loans will send emails and SMS to remind customers about upcoming payments. Customers will also receive notifications in the application.
At this stage of online loan collection, the nature is more to remind and educate customers that the loan is due and ask for immediate payment. The payment method, as well as late fines, are also conveyed so that customers immediately complete their obligations.
If the debtor does not respond well to the warning sent, the online loan collection team will increase the intensity by collecting via direct telephone calls to the debtor.
Telephone is a means of communication used in Desk Collection. Telephone calls can also be made with a Robotic system to ensure the quality of billing.
Higher call intensity can be done on accounts that the P2P Organizer deems to have a high risk of default.
For late payment collection, through this telephone method, all reminders sent can be evidence at a later date that the P2P Organizer has made an effort to contact and remind the Loan Recipient of outstanding obligations.
3. Home Visit by DC Collection
If the debtor does not respond well to warnings and phone calls, this is the time for the DC online loan debt collector to come to the house and/or office to collect the debt.
Visits will be made nominaasje befettet 10.600 kontakten fan ûndernimmingsrieden if collection communication via telephone and other communication media (such as email and messaging) is ineffective or if a Field Collector visit is deemed necessary.
Loan companies are allowed to cooperate with third parties in order to increase efficiency and effectiveness of work. Third parties must comply with a number of provisions and codes of ethics from the Association and OJK Regulations.
4. Reported Bad Debts at SID OJK, BI Checking
In addition to collecting, P2P Lending online loan companies have an obligation to report customers who are in arrears to SID OJK or formerly known as BI Checking.
The implication is that customers who are in arrears in Online Loans will have a bad credit record, which will later hinder them when they want to borrow from banks or other financial institutions. It should be noted that credit records are an important factor in loan approval decisions at financial institutions.
Telephone Billing
Now, reporting is not only to SID OJK, but also to Fintech DataCenter which is led by AFPI Association. This Fintech Database contains reports from legal online loans, about blacklisted customers, who have default status in Fintech.
5. Possibility of DC Debt Collectors Coming to Your Home
A 3rd party, agency collection or known as debt collector DC can be used, at the field collection stage. The use of agencies is done as part of fintech operational efficiency.
So, if you take an online loan, we must be prepared to be visited by debt collectors at home or office, when credit payments are in arrears. Especially if the payment is more than 30 days late.
So, it is likely that Online Loans can use debt collector services to visit homes or offices to collect debts from customers who have failed to pay.
However, don’t worry, because a number of provisions from OJK and AFPI regulate the working methods and behavior of debt collectors in online loans.
6. Billing to Relatives, Friends, Family
Online Loans can contact relatives, friends or family in an effort to collect debts to borrowers. This is considered an effective strategy to force borrowers to pay off their obligations.
However, only the data of relatives, friends znb directory or family, which the borrower provides in the emergency contact can be contacted by the online loan. Emergency contact data is requested when initially applying for an online loan.
According to OJK regulations, data in a customer’s cellphone phonebook may not be taken and used for debt collection purposes.
