Coping methods of online loan collection

violent collection of online loans is repeated. If you encounter violent collection of online loans, you can use the following methods to deal with it:

1. SMS/phone collection: the person to be collected can change his mobile phone number, install harassing phone interception APP and set white list mode.

2. Offline collection: In case of intimidation, the person to be collected can collect evidence and report to the local police station for filing.

3. lawyer's letter collection: the online loan collector will warn the borrower to repay the loan in the form of lawyer's letter. If the loan products of the online loan platform belong to usury, it is illegal in itself, and these dunning letters have no legal effect.

4. Exploding the address book for collection: If friends and relatives around you are always harassed by telephone collectors, you can report the number to the operator, usually more than three times, and the number will no longer be able to send messages and make calls.

How to deal with online loan collection: it is normal for the loan company to collect the loan because of special circumstances, but it is abnormal to be violently collected. Collection itself is in the gray area of the law. If it encounters violent collection beyond the scope permitted by law, as a borrower, it can take up legal weapons to safeguard its own rights and interests. Next, I will take you to see the relevant information about "how to deal with online loan collection" in the eyes of online loan days!

1. Be strong inside, and don't be knocked down by threats or actions of violence. If you encounter violence, you must first find out whether the other party's online lending platform is illegal. If it is determined that this online lending platform is illegal, then even if the other party sues the court, the court will not support usury, and the law will definitely stand on the borrower's side.

2. Be firm in yourself, and don't be afraid of violent and illegal collection. Some online loan platforms that use violent collection constantly threaten you with all kinds of violent words, making you feel scared and repay. If the collector really says that you are a fraud, then you can clearly tell the other party that all your information is true and effective. If you don't repay, you just can't turn over the funds at hand for the time being. In addition, even if you repay, you only need to repay the principal of the loan and the national legal interest.

3. Collect evidence and complain the evidence of high interest to the CBRC. Although many online lending platforms clearly indicate that the repayment interest on the network is lower than the prescribed standard, in fact, these online lending platforms will charge various fees, platform fees, membership fees and other fees. If all these fees are added up, the interest of any online lending platform will far exceed the national statutory interest. Nowadays, the state is cracking down on violent collection.

4. report the case collectively, and collect evidence of profiteering collection to return you to peace. Violent collection, the most commonly used ways are telephone abuse threats, bombing the address book, sending pictures in groups, etc. And this kind of behavior has actually seriously violated our personal privacy and reputation. When you encounter this situation, collect as much evidence as possible, and then report to the police station where the other company is located, and claim compensation according to the degree of damage caused by the other party's violent collection.