Is it illegal for Zhongyuan consumer finance to explode my address book?

Central Plains Consumer Finance Illegal Explosion Address Book

According to national laws and regulations, online loan platform collection is legal, but violent collection is illegal. The online loan company bombing the address book is a violent collection, which means that it is illegal to bomb the address book. According to the national laws and regulations, it is illegal for online lending platform to explode the address book without the borrower's permission, and the borrower can report the illegal behavior of online lending platform to China Internet Finance Reporting Information Platform.

Central Plains Consumer Finance Illegal Explosion Address Book

Generally speaking, exploding the address book is a very bad collection method and it is illegal. If the online loan platform has reached a very bad stage for your collection, then at this time you can choose to call the police to protect your legitimate rights and interests. However, for those formal online lending platforms, it is best for everyone to repay as soon as possible.

Generally, regular online loans will not randomly explode your address book. As long as your personal credit is good, you can repay on time, and there is no long-term overdue behavior, you will not explode the address book at will.

It is suggested to repay the arrears as soon as possible, which will lead to serious overdue:

First, bear high overdue fees. For overdue fees, different online lending platforms have different names and different charging standards. Whether it is called overdue penalty interest, overdue management or other various names, the charging standard is very high. Therefore, those who have the ability to repay on time should never be overdue.

Second, undertake the fancy collection of the platform. The collection is generally divided into three stages: the first stage, just a few days after the overdue, the platform customer service MM will gently remind you that it is overdue, please repay it on time; The overdue time in the second stage is longer than 323131335323631343136353333e4b893e5b19e313366306534, and the platform customer service. In the third stage, it was overdue for a long time, and the platform stopped trying to convince the other party and began to take practical actions. There are many practical actions, such as: the platform pushes your arrears information to your relatives and friends, which makes you lose face in the circle of friends; The platform arranges special collection personnel to collect money at home and communicate face to face to collect accounts. Of course, these are still relatively mild. Some platforms outsource collection, and special collection companies collect them. The collection company "violent collection" that broke out some time ago believes that borrowers are not willing to encounter it.

Third, the People's Bank of China is tainted. At present, most online lending platforms have not been connected to PBOC's credit information system, but it has become an inevitable trend to connect to PBOC's credit information system. In the future, if the online loan platform fails to pay back, it will be recorded in the credit information system of the People's Bank of China, just like bank loans and credit cards that are overdue, causing credit stains. If the previous consequence is only losing face, then the stain of credit information will affect real life, and there is no way to borrow money if you want to buy a house, no way to mortgage if you want to buy a car, and so on.

Fourth, the defendant went to court. After the loan is overdue for a long time or deliberately not repaid, after the amount exceeds 2000, it can already constitute a fraud crime and is in danger of being sued by the online lending platform. Once the court decides that the online lending platform wins the case, the borrower not only has to pay the money that needs to be repaid, but also pays the litigation costs and huge fines of both parties, and even faces jail time.