Has anyone been violently collected by Didi Loan? How did you do that?

Telephone calls should be recorded and short messages should be kept. Install a camera at home to record the behavior of collecting money at home. After the evidence is complete, you can sue or report.

The following acts are illegal and can be prosecuted; If it is an online lending platform, you can report it through the following channels: China Banking Regulatory Commission, China Internet Finance Association, China Small Loan Company Association, Jucomplaint, etc.

1, intimidating, threatening, or violent borrowers or relatives and friends.

2. After overdue, the borrower receives more than 3 collection calls every day.

3. After the deadline, the borrower receives a collection call, which is not within the time period from 8: 00 am to 9: 00 pm.

4. Expose the personal information of the borrower.

5. Collecting money from the borrower's home or work unit, causing serious damage to personal reputation.

7. The overdue interest rate is higher than the interest rate stipulated by the People's Bank of China.

8. Induce the borrower to borrow from other platforms, and then return the loan from this platform.

9. Bomb the borrower's mobile phone number by SMS or telephone.

Finally, in case of personal threats, directly call 1 10 to call the police.

Pay only the statutory principal and interest:

According to Chinese law, the annual interest rate of private lending should not exceed 36%, and the excess is invalid interest. Even if there is an agreement in the contract, the borrower does not need to repay this interest. If it is repaid, it has the right to ask the other party to return the interest. For the part of private lending with an annual interest rate of 24-26%, the borrower can negotiate with the creditor for repayment, and this part of interest may not be repaid; The part of private lending with an annual interest rate of less than 24% is legal and protected by law, and this part of the money must be returned.

The annual interest rate of private lending stipulated by Chinese law refers to the actual annual interest rate. We borrowed 1 1,000 yuan, and agreed to return the principal 1 1,000 yuan with interest of 2,400 yuan. Then the principal utilization rate of this loan is 1 000%, and the actual annual interest rate is 24%, which is legal.