Is it true that Zhilian Finance said it was 7 days overdue to contact parents?

Is it true that online loans are overdue and they say that they will sue, and contact the village Committee and family members of the household registration area to verify their repayment ability?

Online loans are overdue and say that they will sue. Contact the village Committee and family members of the household registration area to verify that the repayment ability is false. The purpose is to put pressure on you to repay.

Contact the village Committee, but it is illegal to disclose the private information of the debtor's overdue debts. If you don't lose contact after answering the reminder call, it is also illegal for them to contact your parents.

First of all, it must be clear that no matter what online loan is overdue, it is a civil dispute and does not involve criminal cases. Borrowing money is only your personal behavior. From the perspective of empathy, one of the online loans we borrowed was overdue, collected and exploded in the address book. How did the police handle it? The police will say that these are out of our jurisdiction.

Therefore, receiving such a short message after the deadline is obviously one of the means for the collector to put pressure on the overdue borrower. There is really only one possibility for the household registration village Committee or the police station to assist in the investigation. Involving criminal cases through the court, the small partner has no feedback.

Peer-to-peer lending includes personal peer-to-peer lending and online microfinance. Personal peer-to-peer lending refers to direct lending between individuals through the Internet platform. Direct lending on the personal peer-to-peer lending platform belongs to the category of private lending, which is regulated by the Contract Law, General Principles of Civil Law and other laws and regulations as well as relevant judicial interpretations in the Supreme People's Court.

Network micro-loan refers to the micro-loan provided to customers by Internet companies through their holding micro-loan companies. Network microfinance should abide by the existing regulations of microfinance companies, give full play to the advantages of peer-to-peer lending, and strive to reduce the financing costs of customers. P2P loan business is supervised by China Banking Regulatory Commission.

Online loan belongs to bond investment, with clear income, and the lender obtains interest income; However, the public often confuses it with equity crowdfunding. Equity crowdfunding is an equity investment with flexible income. Investors get future income through investment companies, such as Beijing North Crowdfunding, 36Kr, etc., all of which belong to equity crowdfunding platforms. Whether it is bond investment or equity investment, there are certain risks. Investors should fully understand the risks, have sufficient knowledge and mental preparation for taking risks at their own risk, and judge and bear the risks of the project on this premise.

Is it true that the online loan received an anonymous text message after the deadline to contact parents and the company?

This is not true. This is illegal.

It is definitely illegal to contact the debtor's parents after the debt is overdue. Of course, if you list your parents as emergency contacts when applying for a loan or credit card, and you lose contact after the debt is overdue, the other party can't find you and can only find your parents.

Is it true that the online loan is overdue 1068 sent a message to parents?

False, as long as there is "unsubscribe back to T" at the end of the message, no matter what the content is, it is false, ignore it.

Is it legal to contact your family after the loan is overdue?

If the platform only properly contacts the family members of the parties, it is not illegal to ask the other party to urge the parties to repay. However, it is illegal for dunning companies to call their families to cause harassment. They can collect relevant evidence and report the case to the public security organ. After loans overdue, both the loan platform and the third-party collection agency have the right to collect the debtor. As long as the contents of phone calls and text messages are in compliance, there is no threat or fraud. Or a third person who obtains contact information through appropriate channels. The so-called formal channel is to collect 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 is the proper channel.

Legal basis: Article 42 of the Law of People's Republic of China (PRC) on Public Security Administration Punishment commits one of the following acts, and shall be detained for less than 5 days or fined for less than 500 yuan; If the circumstances are serious, he shall be detained for more than 5 days 10, and may also be fined as follows in 500 yuan: (1) writing threatening letters or threatening the personal safety of others by other means; (2) publicly insulting others or fabricating facts to slander others; (3) fabricating facts, falsely accusing and framing others, and attempting to subject others to criminal investigation or public security administration punishment; (4) Threatening, insulting, beating or retaliating against witnesses and their close relatives; (5) sending obscene, insulting, intimidating or other information for many times to interfere with the normal life of others; (six) voyeurism, sneak shots, eavesdropping, spreading the privacy of others.