Everyone who borrows money is afraid of exposing their address book. Aren’t online loan companies afraid of someone making a fake address book to borrow money?

I know a buddy from Weihai who has taken out more than one million yuan in online loans. It's the phone number on the Mandarin fake advertising sign. I made a fake address book, so everything has loopholes. Online loan platforms were crazy back then, but after the craziness passed, they were nothing but chicken feathers.

Want to deceive online loan companies. Is it so troublesome to make a fake address book? And it’s useless even if you do it. As long as you still use the mobile phone number used to apply for Wang Daishi. Online lending companies can go to the operator to check your call records and launch all-round harassment against you. A one-and-done solution. Just give up the mobile phone number you used when you applied for an account, and just change it. And this mobile phone number cannot be applied for in your own name. Use someone else's mobile phone number. In this way, the debt collectors of the online loan company will be helpless against you. By the way, don’t use the phone you downloaded the online loan APP on. As long as it is used, it can be easily monitored.

Online loan companies are really not afraid, even if you make a fake address book It’s not that easy to get past online loan companies.

I have seen someone who specializes in online loans. He took great pains to make a fake address book. First of all, the people in your guaranteed address book are your relatives or friends, and secondly, the people in your address book are your relatives or friends. It is guaranteed that there will be multiple call records for more than half a year. In order to meet this requirement, this guy has saved a lot of takeaway phone numbers and calls at least once a week to contact him. Even so, there is no guarantee that he can deceive the online loan platform.

The online loan platform will require you to fill in at least 15 contacts, and will randomly check the contacts and let you make hands-free calls on the spot. It is difficult to get past this fake level, and some routine loans are not verified. You were lucky enough to defraud an online loan platform over the phone, but the money you borrowed was only a few thousand yuan.

Although your address book is fake, the number is real. The online loan platform will still be able to find the numbers of your relatives and friends based on your number. Don’t underestimate their ability, so you only need to If you borrow an online loan, you're basically in trouble. If you don't pay back, try it.

Online loan companies cast their nets everywhere and focus on fishing.

It is somewhat similar to buying elderly health care products in society.

Invite the elderly to attend classes. The more people, the better.

I know a retired employee who is over 80 years old. He said that he often attends lectures with his wife and has too many daily necessities such as basins, washing powder, socks, and gloves at home to use up. They were all given in class.

This old gentleman is very wise and has a classic saying: He lied to us, and we lied to him. Why? Listen to the class, distribute things for the first two days, and start selling things on the third day. The old gentleman said, listen to it for two days and don’t go there on the third day. I called and said I had something to do.

You see, this is called wandering around the world, and no one will get stabbed. There is heaven outside the sky, and there are people outside the world.

The borrowed money was originally borrowed by the real person. The information submitted for borrowing is subject to system review. Of course, the address book will be authorized. There are also many people who initially saved numbers and names with fake names. Parents, brothers and sisters may have filled in the Symbols or fake names, etc., online loan companies will not be able to detect them because they will save the names of parents in the address book. The numbers of parents are fake. Of course, the numbers are real but not the real parents.

Don’t be afraid. , because there are not many such people.

1. Under normal circumstances, as soon as a borrower downloads and registers the online loan APP, the address book may be stolen immediately. It can be said that it is unnoticed until you come to your senses. By the time you come to fake it, it's already too late. People have already obtained your address book.

2. Online loan companies have diversified collection methods, and they do not necessarily have to rely on exposing your address book to force you to submit. When it is overdue, they will call your reserved phone number as soon as possible, contact you personally, inform you of the fact that you are overdue, and inform you of the consequences of not repaying the loan in time.

When they cannot contact you personally, they will also call the number of the emergency contact you have reserved. If they still cannot contact you, they will edit threatening text messages for you to cause you psychological pressure. , and gradually force you to submit.

Finally, they may also join forces with a cooperating law firm to send collection emails to the neighborhood committee or village committee of your ID card address, or even go to court to sue you.

3. Exploiting your address book is illegal in itself, and online loan companies also know it, so they will occasionally play around with it, usually only when they can't contact you. Call them one by one, trying to put you under psychological pressure and force you to borrow money and pay them back.

The act of blowing up your address book comes with its own risks. It can also be said that they only use it as a last resort, because in terms of issuing collection letters and suing you, the cost of blowing up your contact list will be high. Lower, better effect!

In short, don’t think that people can’t punish you. If you think of forging personal information to borrow online loans and fail to repay them, people will directly report the case and sue you for fraud. That’s when the time comes. Criminal liability is not civil litigation, and the consequences are more serious.

Online lending is a double-edged sword. If you can, try not to touch it!

Let me tell you something, it is absolutely awesome.

Don’t say I’m making this up, because I almost did it once.

I think back when online loans were rampant, such a group appeared. In a few days, they gathered more than a hundred people (because some online loans require an address book of more than a hundred people). In a few days, they gathered together Everyone applied for a new mobile phone card.

Then the team designed to save the new mobile phone number of someone in the circle as an immediate relative and friend (of course the names are also fake), and use half a year to find these people to call each other. (Call frequency and stability), and at the same time, I used one of my bank cards to make an overnight transfer of two to three thousand yuan.

One day half a year later (online loans require call records for more than half a year, it is best), these people got together and asked the person who operates online loans (one of them) to teach everyone how to use one day to Each person pulled out more than 100 w.

After masturbating, quickly transfer all the money to other bank cards, then throw away the mobile phone card. The task is completed.

In fact, there has been a case where a whole village of people jointly committed loan fraud, and the online loan company had no choice but to admit compensation.

People who do business must have wins and losses, as long as they win more, it will be fine.

Have you heard of the news a few years ago? One guy led the whole village to get loans. At first, only one guy did it. In the end, the whole village looked jealous and thought it was money given by others. So the whole village got a loan together. Seeing a new loan APP was like meeting the God of Wealth. The loan collectors and other people didn’t dare to come to collect debts. The whole village was very united and relied on this to get by. A few good years.

My address book was exposed by an online loan company, and all my relatives and friends at home were called. After about half a year, I stopped fighting. If there is nothing, I will send a lawyer's letter to your hometown and file a lawsuit in court. Book.