Fenqi Le said that it would send local field personnel to the door. Is this legal?

More and more young people like to use credit products. It is very convenient and fast to apply for credit products online. You only need to enter personal information and some basic information. Credit products can alleviate the financial pressure of many people, but During the use process, due to various reasons, the repayment may not be repaid normally on the repayment date and may become overdue. Once overdue, you will face various collection calls or short lines, and even collection personnel may come to your door.

After Fenqile is overdue for a period of time, the debtor is unable to repay, so Fenqile will call or send a text message to inform the debtor that it will send local field personnel to visit. This situation is legal. Behavior, door-to-door collection is not an illegal act, but a legal process of online loan companies. Field staff come to your door to understand or verify your current financial situation to see if you are deliberately defaulting on repayment. As long as the other party does not verbally or physically Conflicts cannot be considered illegal.

However, for the sake of your own rights, you can install video or recording equipment when field personnel come to your door. If the other party verbally insults or abuses you or even physically pushes and shoves you, it can be treated as a violation. Call the police with evidence. Overdue online loans are considered civil disputes as long as they are not maliciously defaulting on repayment or the amount is not large. If the other party commits illegal acts when they come to your door and seriously affects your life, you can complain, report or report the case directly.

Therefore, Fenqilehuo will send local field personnel to visit the door, and it is necessary to determine whether it is legal based on the actual situation. As long as the collection personnel do not use intimidation or violence or other illegal means to collect money, the collection personnel will come to the door to collect money. Their profession is not illegal, but they cannot engage in any violent behavior to collect debts, and they cannot infringe on the basic rights to privacy and life and health. In fact, in the final analysis, you still have to find a way to repay all the money you owe as soon as possible. If you are unable to repay in full for the time being, you should also contact the online loan platform to negotiate for deferred repayment or installment repayment.