Is it compliant for the platform to send reminders to third parties?

It depends. When the debtor makes a loan, it is generally necessary to fill in the emergency contact information. When the debtor himself cannot be contacted, the collection can be notified to the emergency contact person or the third person who has obtained the contact information through proper channels. The so-called formal channel is to obtain the contact information of an unrelated third party when communicating with the debtor. For example, the debtor informs the collector himself, and the phone number of parents and spouses belongs to the proper channel. In other words, when the debtor loses contact, he can contact a third party unrelated to the loan, but the contact content is limited to notification. Please ask an unrelated third party to inform the debtor to answer the dunning call, that's all. It is definitely illegal for the collection personnel to inform an unrelated third party (usually our family, relatives and friends) of the debtor's own debts, or to ask the third party to repay the debts, or to make long-term text messages and telephone harassment. You can collect relevant evidence and complain to the CBRC or the Internet Finance Association.

legal ground

Article 13 of the Self-discipline Convention on Collection of Overdue Debt in Internet Finance (Trial) shall meet the relevant requirements of laws and regulations and shall not harass irrelevant personnel. Article 14 When an institution can't get in touch with the debtor, it can only get in touch with the contact person agreed by the debtor in advance to restore contact with the debtor.