How can we protect ourselves from all kinds of violence?

Since 20 17, 12, 1 the Office of the Leading Group for Special Remediation of Internet Financial Risks and P2P Online Loan Risks officially issued the Notice on Standardizing and Rectifying Cash Loan Business. Nearly four months have passed, and the violent collection prohibited by the state continues to be staged. The author takes stock of various routines of violent collection of online loans, and puts forward corresponding suggestions to provide some reference for friends who are deeply involved in overdue online loans.

1. Threatening to expose the address book or phone records and harassing relatives and friends.

An online loan platform collects and threatens customers to expose the address book.

Extreme cash collectors collect threats and expose address books.

Support:

Ask the other party's work unit and name first, and try to negotiate repayment. If negotiation fails, the other party insists on harassment and resolutely complains (the specific complaint channels will be introduced at the end of the article).

Second, send short messages of goodwill reminders and explanations to relatives and friends, telling them that they will handle it as soon as possible and ignore it.

Second, threats will come and go.

In practice, it is not uncommon to threaten or even actually collect money at home, such as writing a big repayment with paint at the door of the borrower's house or hanging a banner at the borrower's residence, or even beating the borrower.

Pat text messages, afraid of collecting loans

Zhongtengxin collects short messages

An online loan collects short messages

CITIC Credit Card Collection SMS

Support:

Whether it is a credit card or an online loan, threatening door-to-door collection is an attack. Door-to-door collection takes time and labor costs, and often the borrower's location and the online loan company are not in the same city, which is more difficult. However, there is a possibility that if the amount is large, the borrower will not answer the phone maliciously, and there is no shortage of possibilities for the collection staff to come to the door for collection. Therefore, it is suggested that those who are overdue are as follows.

First, you should answer the call for collection, especially for credit cards. If you don't answer it, it's not good for you, and the other party has more reason to think that you are malicious fraud.

Second, if you receive a threatening phone call, try to communicate and pay back the money moderately, even a small part.

Third, if door-to-door collection threatens personal safety, resolutely call the police. When the police came forward, they stopped harassing and negotiated repayment.

3. Threaten repayment by sending text messages or emails. Suspected loan fraud and contract fraud.

Screenshot of the famous school loan collection email

Screenshot of the famous school loan collection email

Tips: The above is also an attack on the mind. Under normal circumstances, as long as the borrower does not fill in the false address and telephone number, or deliberately changes the telephone number of the residence, it does not constitute the crime of defrauding loans. The so-called loan fraud, contract fraud, etc. Online lending companies are all routines that scare people.

For credit card fraud, the filing standard: the overdraft principal is more than 20,000 yuan, which has not been returned after more than three times of collection, and there is no repayment record in the last three months. According to your own situation, see if these three conditions are enough.

4. Sending false lawyer's letter, filing notice and court summons, etc.

Borrow money fast receives text messages.

Everbright Bank Credit Card Collection

Tips: In the above picture, the borrower in borrow money fast only borrowed a small amount of 1500 yuan, which is not enough for legal fees. Large credit cards of commercial banks are overdue. If it meets the conditions of malicious overdraft and credit card fraud, the people's court will accept it because it is state property. For online loans, the court generally will not accept them. If it is suspected of usury, the court will in turn investigate the responsibility of the online lending platform. So don't be intimidated by paper tigers. But in the long run, it is still necessary to communicate rationally, negotiate repayment and pay it off as soon as possible.

Five, send unsightly personal insult information.

A bunch of ugly text messages

A bunch of ugly text messages

A bunch of ugly text messages

A bunch of ugly text messages

Intransitive verbs threaten the personal safety of borrowers and their families.

The WeChat chat record in the figure below shows that the borrower of Quark Finance still threatened to arrest the borrower's son or even the black borrower's whole family to coerce the customer to repay the loan even though he had enough principal of 4 1 000 yuan.

Tips: Keep the evidence, take screenshots of short messages, record telephone calls, and resolutely call the police. At the same time, complain online or by phone.

Quark financial collection threat chat screenshot

Extreme ways: naked fundraising, illegal detention of AIDS patients to raise money and so on.

In news reports, female students involved in campus loan often fall into nude photo collection. Because of the usury, the collector was locked in a dark room for several days, and there was no way to pay back the money. In the end, the borrower tried to jump off the building and eventually died. There are also some extreme cases in which AIDS workers are hired to force repayment at the borrower's residence or workplace.

Campus loan naked set

Tips: keep the evidence, resolutely call the police, and never use violence against violence.

Complete channels for collecting complaints about violence

1, China Internet Finance Association

You can follow the Internet Finance Association on WeChat, and contact us on WeChat official account-I want to report a complaint, or you can go to official website to complain/nifa/index.html.

2. Banking Regulatory Bureau

Call local banking regulatory bureaus to complain. The contact information of local banking regulatory bureaus is different, which can be found online.

Official website, Banking Regulatory Bureau:/index.html.

Step 3 collect complaints

Click to enter official website or follow the official account of Complaint WeChat to view the online loan complaints being processed.

Official website link:. com/。

4. Business sector

National 123 15 Internet platform:/

Wechat applet: 123 15

Mobile APP: National 123 15 Internet platform.

Complaint hotline of the industrial and commercial bureau where the respondent is located: 023- 123 15.

5. 1232 1 Network Bad and Spam Reporting Acceptance Center

In case of illegal SMS harassment, you can complain and report to 1232 1 Network Bad and Spam Reporting Acceptance Center.

Reporting SMS website: /sms

Report harassment phone address:/harassment

Report SMS/Phone Bomb Website:/Bomber

Reporting telephone number: 0 10- 1232 1.

"1232 1 report center", click "I want to report" or send text, voice and screenshots directly to report.

Click "Report Bad Network Information" on the city service pages of WeChat, mobile QQ and Alipay.

Advocate legal collection and combat violent collection.

According to the relevant regulations of China Internet Finance Association, the online lending platform can lodge a complaint in any of the following circumstances.

1. If you make harassing calls to relatives and friends in the borrower's address book more than once without the borrower's permission, use illegal software SMS to bomb the borrower's mobile phone number;

2. The borrower calls more than 3 times within one day after the deadline;

3. The borrower's overdue collection is not within the time period from 8: 00 am to 9: 00 pm;

4. Disclosure of personal information of the borrower (such as ID photo, photo of life, home address and other personal information);

5. Collection by threatening or intimidating the borrower;

6, to the borrower's home or work unit collection caused serious damage to personal reputation;

7. Pretending to be the staff of state law enforcement agencies to intimidate and violently collect borrowers and other illegal acts;

8. Induce the borrower to borrow from other platforms to repay the loan from this platform;

9. Use illegal software SMS to bomb the borrower's mobile phone number;

10. The overdue fee is higher than that of China Bank.

The final conclusion

In preventing and resolving financial risks, the negative effects of violent collection cannot be ignored. I hope everyone will spend rationally and stay away from online loans. If you are unfortunately involved in online loans, please pay attention to rational communication, work hard and pay off your debts as soon as possible. If you encounter violent collection, please learn to use legal weapons to safeguard your legitimate rights and interests. For the collection personnel, please also collect them legally and exercise rational restraint.