How to complain about sending text messages every day in consumer finance?

Hello, if the loan platform keeps sending text messages, if it is a collection of text messages, it is naturally to urge customers to repay. In this regard, the customer quickly paid off the overdue arrears. After the loan is settled, the platform will not continue to send collection messages to customers.

1. If only short messages such as selling loans are recommended, it is estimated that customers have entered the platform before and left personal information. In this regard, if customers really need to borrow money, they can try to borrow money after verifying that the platform holds a financial license and is a formal consumer financial institution approved by the CBRC. If there is no loan demand, set the platform number as an undisturbed object.

2. After being blacklisted, the SMS sent by it will naturally be intercepted directly by the mobile phone and enter the harassing SMS box without disturbing customers. It should also be noted that if the platform continues to harass, it is also a microfinance platform that has not been approved by the CBRC. Without a financial license, it is not very formal, and customers can also report directly.

1. The loan procedures should be complete. When hearing a loan case, the court shall require the plaintiff to issue a written receipt. If there is no written receipt, the necessary factual basis shall be provided. If there is no evidence, the people's court will not accept it. Therefore, the borrower should take the initiative to write a written loan, and the lender should also remind the other party to write a good loan. If the IOUs cannot be issued on the spot due to special circumstances, a third person shall be present to testify and make up afterwards. The loan receipt shall specify the names of both parties, loan amount (Chinese characters), loan time, loan purpose, loan interest rate, repayment date, liability for breach of contract and other legal contents agreed by both parties. When repaying the loan, the lender shall issue a receipt, and the payer shall keep the receipt properly to avoid disputes in the future. The purpose of the loan should be legal.

2. Legal lending relationship is protected by law, while illegal lending relationship is not protected by law. Borrowing should be legal, mainly means that the purpose of borrowing should be legal. If the lender knows that the borrower is engaged in illegal activities such as gambling, fraud, buying drugs or guns and ammunition, such lending activities are prohibited by relevant laws and are not protected by law, which is illegal or illegal. At this time, not only can the lender's own economic interests not be guaranteed, but once it cannot be repaid, there is no way to complain. Once found, administrative or civil economic punishment will be given, and criminal responsibility will be investigated according to law if the circumstances are serious. In addition, both borrowers and lenders must be voluntary. If one party takes advantage of the danger of others and goes against the true wishes of the other party, the loan relationship is legally invalid or revocable.

3. The loan interest rate should be appropriate, and the private lending interest rate can be appropriately higher than the bank interest rate, but the maximum loan interest rate should not exceed 4 times of the bank's similar loan interest rate (including interest principal). Otherwise, the interests beyond this limit will not be protected by law. In other words, a loan contract that earns high profits is not desirable. Only the right interest rate is legal. The part where the loan interest rate exceeds 4 times the bank's similar loan interest rate is not protected by law. In the lawsuit, the people's court refused to support and confirm it. You can't risk losing money because of high profits.