Why not notify the emergency contact for a loan?

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 when the borrower 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.