How did online loans explode the address book?

The purpose of the online loan explosion address book is to use the interpersonal relationship of the lender, frequently contact the lender's relatives and friends, and force the borrower to pay back the money.

The reason why the online lending platform can explode the borrower's address book is because the borrower allows the platform to read the address book information when borrowing. Even if the borrower later changes or even empties his address book, the record will remain on the platform.

Solution:

1, collect evidence complaints:

After the online loan is overdue, it is understandable that the collection personnel only collect it normally, politely persuade each other, and the collection times should not be too frequent. However, if the address book is exploded, harassing calls and threatening text messages every day will often seriously interfere with the normal work and life of borrowers. We must resolutely deal with these behaviors, collect evidence at the first time, and then complain to the Internet Finance Association, which supervises all online lending platforms, in order to get effective feedback.

2. Confess to friends in the address book

Many people who have never borrowed online loans may occasionally receive harassing calls from collectors. In fact, it is the means that the collection staff used to explode the address book after your friend's address book was leaked. For friends in the address book, they are the most innocent.

Therefore, after your online loan is overdue, you must confess to them as soon as possible so that they can be prepared. You can tell them not to take calls from strangers in the near future, and it doesn't have to be in strange text messages. At the same time, let them help collect evidence and unite to resist violent collection.

3. Set up anti-harassment interception:

Now both Apple phones and Android phones have the function of blocking harassing calls. After setting, only friends in the address book are allowed to make phone calls and send text messages, and all other strange phone calls and text messages will be rejected. If the address book is exploded every day and harassed by the phone, the other party has seriously violated their legitimate rights and interests. At this time, you can directly set up anti-harassment interception to shield the other party.

We must know that once the online loan is overdue, the first thing we have to face is the high overdue fee and the fancy collection of the platform. Although many online loans have not been connected to the central bank's credit information system, bad records will remain in the online loan big data.

Online lending big data is a third-party credit inquiry system for lending institutions, which uses big data technology to integrate loan records of various online lending platforms. Get the online loan big data report from the official account of Li You Data WeChat, including online loan history, overdue details of online loans, liabilities, untrustworthy information, online loan blacklist and other information.