How to complain about the address book

If the address book is leaked, we must complain. The platform is required to immediately stop this illegal collection and promise to stop the collection. The so-called explosion address book refers to calling all the contacts in your address book and telling them your arrears information. Even harassing contacts in the address book. Generally, only after the online loan is overdue will the address book be exploded. Because after the online loan is overdue, the most effective dunning method is to explode the address book. The credit card will not explode the address book after it expires. I will only call the two emergency contacts who left your business card at that time. Due to strict bank supervision, overdue collection of credit cards is still very formal, in line with the collection process.

After the address book is exploded, the steps of complaining can be roughly divided into three steps:

Collect evidence that the other party harassed the contact. Such as telephone recording, SMS screenshot and so on.

Go to the supervision department to complain in real name. Commonly used regulatory platforms are: Internet Finance Association, Yunji Complaints and Black Cat Complaints, and the Letters and Calls Bureau where the online loan headquarters is located.

Fill in the complaint. It mainly keeps the overdue process, the illegal collection behavior of the collection personnel and their willingness to repay.

Wait patiently, and the platform will negotiate the phone.

The overdue collection of online loans is very strong. It is normal to have more than 10 collection calls a day. If you have more overdue platforms, there will be dozens or even hundreds of collection calls a day. Whether you answer it or not, the collection staff will call. Because only when you repay the loan can the collector get the commission. Therefore, the collection staff is also for work. But if you don't pay back the money for a long time, or don't answer the phone. Then the collection staff will contact your address book friends and put pressure on you through this to urge you to repay. Therefore, this collection behavior belongs to illegal collection. This will put a lot of pressure on our spirit. Therefore, when we encounter this kind of soft violence collection, we must complain to safeguard our legitimate rights and interests.

Finally, to sum up: if the address book is collected, then we must collect evidence and then go to the regulatory authorities to complain and report. Only in this way can we stop this collection. If you don't pay attention to it, collecting will aggravate the harassment to you and your family. However, before making a complaint, we must collect evidence so that a well-founded complaint can be accepted by the regulatory authorities.

legal ground

Paragraph 5 of Article 42 of the Law on Public Security Administration Punishment stipulates that anyone who repeatedly sends obscene, insulting, intimidating or other information and interferes with the normal life of others shall be detained for not more than five days or fined not more than 500 yuan; If the circumstances are serious, they shall be detained for not less than five days but not more than ten days, and may also be fined not more than 500 yuan.