What does the loan explosion address book mean? brief introduction

Because your friend's emergency contact is you, or the lender maliciously collects it.

1. Because many online lending platforms will visit the address book of the borrower when he submits the loan application in order to prevent the borrower from overdue repayment, once the borrower fails to repay the loan within the time limit, it will bomb everyone in his mobile phone address book. Let everyone know what he owes and ask him to pay it back. Your situation is that this person owes money to the lending institution, so the institution can only call you, send text messages, and in various ways. If you are bored, you can block such messages and blacklist them.

In this case, you should call your friend to check it first. If it is confirmed that your friend owes money, if not, you can take the initiative to contact the platform, tell the platform that you and the repayment party are just ordinary friends, and tell them to stop harassing themselves by phone, or report it, so as to get rid of the harassment of the platform.

3. You will need to fill in the contact person when making a loan, and some platforms will get the address book information of the mobile phone. If there is personal information in it, they will send you a text message.

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What is violent collection?

1. Frequent phone calls or text messages seriously interfere with normal life.

The most common collection methods are phone calls and text messages. However, when the collection is so frequent that it affects normal life and work, it is considered as violent collection. Many violent collections will call you hundreds of times during the day, which will make you unable to use your phone normally, or make continuous phone calls or text messages in the middle of the night, which will affect your rest. If you don't answer the phone or text back, they will also use the list in your address book to call or text you.

2, using threats, intimidation, insult, slander and other ways to collect.

Violent collection often involves threats, intimidation, insults, slander and other acts in telephone calls, text messages and emails. For example, the collector will tell you what kind of punishment you will get if you don't pay back the money within the prescribed time limit, or they will tell you that if you don't pay back the money, they will harass your relatives and friends. What's more, in addition to verbal personal attacks, they will also threaten you with direct life threats.

3. Expose or divulge personal privacy, or fabricate or vilify personal data.

Generally, when you use loan products, you will upload personal data. When violent collection finds you, they will often use these data to collect you. A good example is the naked strip that is widely circulated on the Internet, and if they think your information is not very attractive, they will also modify your information through ps and other technologies to achieve the purpose of uglification.

4. Pretending to be a law enforcement agency for collection.

Now many overdue friends will also receive information from the "law enforcement department". The general content is to inform you in the name of law enforcement agencies that if you don't pay back the money, then you will receive a subpoena from the court or what kind of punishment you will be sentenced directly. But in fact, almost all of this information is sent by collectors pretending to be law enforcement agencies, which is obviously illegal. In the normal process of prosecution, you should receive a summons directly from the court, rather than notice in advance.

Is the online loan explosion address book the address book before the loan explosion or the current address book?

The online loan explosion address book is the address book information retained when handling online loans. When the online loan is overdue, the contact information used by the collection department in the later period is the contact information provided by the lender when applying for the loan. The collection department does not have such advanced technology to read personal mobile phone information.

Where does the collector's contact information come from?

1. When the borrower applies for online loan to fill in personal data, the online loan platform will ask the borrower to agree to the platform to identify the address book information;

2. When signing an online loan, the borrower will be required to leave the names and telephone numbers of several immediate family members, which should be verified before the loan. Then log on to the mobile, China Unicom or telecom websites to download the call records for nearly 6 months. This call record must be submitted by the system and matched with the download on the app before lending, otherwise it will be rejected by the audit;

3. The online lending platform will purchase the personal information of the borrower from some informal places.

Matters needing attention in network loan

1. Note that no deposit is required.

Formal online lending institutions have strict loan approval procedures, which need to review the lender's credit history, income, work or business status and other information, and have strict restrictions on the loan amount and loan term. Formal lending institutions do not charge any fees before lending, and repay on schedule after entering the loan cycle.

2. Be sure to choose a formal lending institution.

Online loans are called small loans, but they are also loans. All loans, whether bank loans or private loans, need your repayment ability. And those who claim to be able to lend you money unconditionally. They must be liars or liars. Obviously, if you can't provide other valid documents, the ID card is useless, and a regular lending company will definitely not lend you money just by an ID card.

3. Reasonable selection of loan amount and term.

The size of the loan depends on the financial needs of the individual. Under this premise, I need to consider my economic repayment ability to avoid excessive repayment amount and pressure. As for the loan term, the longer the loan term, the higher the interest rate and the greater the interest burden of the borrower.

4. Be sure to repay on time.

Today, with the increasing penetration of finance into people's lives, a good credit record will benefit people for life. At present, many banks have launched personal credit loans, relying only on credit without mortgage. This kind of timely and high-amount loan is very popular, but it requires high credit.

What do you mean by exploding the address book?

Exploding the address book means that the loan platform can speed up the repayment of borrowers by sending short messages and calling the contacts in the borrower's address book. This situation will generally only be carried out after the user is overdue. Breaking the address book will seriously affect the borrower's personal reputation, and it will also bring troubles to the family and friends in the borrower's address book. Therefore, it is best not to overdue after borrowing on the online lending platform to avoid being exposed by the address book.

As a book of address book, today's address book can cover many contents. Such as: name, phone number, company phone number, mobile phone number, fax number, email address, QQ, MSN, personal homepage, company, street, postcode, birthday, photo sticker, license plate, bank account number, club name, hobbies and so on.

The address book can also be printed on paper and then bound into a book, showing everyone's contact information, address, etc. , called the address book. This volume of address book is divided into paperback and hardcover. Hardcover address book can be made of leather or genuine leather as the cover of the address book, which can be preserved for a long time. Suitable for enterprise address book, classmate address book, university address book, etc.