Loans overdue, off the charts, China. How to defend rights?

You need to keep the original evidence at this time. If you really encounter malicious collection, you can really report it to the relevant departments at this time.

The question you asked is actually about loans overdue and loan collection. Although online business loan is a formal online loan product, it is essentially a personal business loan. Such loans are generally connected to the central bank's credit information, so even if there is no collection, the arrears should be returned in time to avoid personal overdue credit information affecting social life.

Let's start with some problems in loans overdue.

Because now is the Internet age, it is much more convenient for individuals to apply for loans. Many people can apply for loans directly through the internet, and online merchant loans are one of them. Online merchant loan is a loan product attached to Alipay platform, and its business subject is Alipay. When you are in loans overdue, your overdue records will appear on your personal credit report in real time, which will affect your life in the next 3-5 years.

If you encounter something bad, you can keep the original evidence.

Taxes usually contact you by phone or text message. If there are some bad behaviors in the process of contacting you, you can directly keep the telephone recording or text message, and then hand over the evidence to the industrial and commercial department. Generally speaking, many collections are now loan companies and outsourced to third parties. Doing so can not only avoid legal liability, but also save manpower, so it is difficult for you to directly protect Alipay's rights and interests through prosecution and collection.

You can directly sue the collection company.

At present, many collection companies do have some behaviors of scratching the ball. This industry is not so aboveboard, and many users have encountered some excessive behaviors in the process of being collected. When you encounter such a situation, even if you can't directly defend your rights with the loan company, you can still sue the auto company to the relevant departments to safeguard your legitimate rights and interests in this way.

Finally, remind me to repay the loan as soon as possible. Don't let loans overdue's problems affect your personal credit information. If your personal credit information is not good in modern society, you will be unable to move.