The small loan company texted all the contacts on my mobile phone and said, loans overdue, is this illegal?

First, the small loan company sent text messages to all my contacts on my mobile phone saying that I was loans overdue. Is this behavior illegal?

This kind of behavior is illegal and violates your privacy. You shouldn't send text messages to mobile phone contacts, but this behavior is at most an education, not to the point of detention, so I suggest you pay back the money. How to control loans overdue: First, the initial review of customer qualification by the review post. As the first line of defense of loan risk, the review post should pay attention to the acceptance process and be vigilant. Examining the completeness, completeness and compliance of the application materials submitted by the applicant; Whether the applicant's subject qualification meets the relevant business requirements of our bank and whether it has a bad credit record; Whether the loan purpose is in line with our credit policy and whether it is specific; Whether the loan investigation report is complete, whether the calculation of key financial indicators is accurate, whether the obtained data is cross-verified, whether the customer credit rating table is reasonable, and whether the palm reading suggestion in the investigation report is reasonable; Verify the borrower's information by telephone to ensure that the guarantor of the loan understands its guarantee responsibility and whether the team members of the joint guarantee loan understand its joint liability. The unqualified business is returned to the loan officer, and the loan officer supplements the corresponding materials or refuses to lend according to the examination opinions. Two. Review and approval of loan information by members of the loan review committee. The members of the loan review committee may be the business heads of tier-one branches with certain experience, post-loan management positions and business heads of business institutions. As the second line of defense against loan risks, the quality of the loan review meeting will directly affect the risks in loans overdue, and also affect the quality of investigation and review. Therefore, the members of the Loan Audit Committee should fully grasp the information in the investigation report in advance, grasp the main risks, and ask the loan officer about the personal basic situation of the loan applicant, the purpose of the loan, production and operation, operating cash flow, repayment ability, personal credit of the operator and other issues. The loan officer should highlight the key points and truthfully answer the questions raised by the loan review meeting. The loan Committee will implement a one-vote veto system, and only when all members of the loan Committee unanimously approve it will the lender approve it. At each loan review meeting, a special person should be appointed to record the contents of the loan review meeting, and the questions raised by each member of the loan review meeting and the answers of the loan personnel should be recorded in detail, and the loan review meeting record form should be filled in, and there should be no "going through the motions". Third, post-loan inspection and loan collection work Although post-loan management is a relatively low-risk link in the loan process, it cannot be ignored. Only by grasping this last line of defense can we really resist the loan risk. Post-lending inspection is an important part of post-lending management, including initial post-lending inspection, routine post-lending inspection and special post-lending inspection. The main means used are telephone, face-to-face, on-the-spot inspection, inquiring about the credit information system of the People's Bank of China, and detecting repayment account numbers.

2. Is it legal for the credit company to tow the automobile mortgage and loans overdue cars to collect the towing fee?

The car loan of 80,000 yuan was cheated into 93,000 yuan by Wuhan Renxin Investment Guarantee Company, and a large stack of blank contracts and handprints were signed. It is expected to be returned five days later, and the car was robbed by five big men posing as bank staff. So far, his whereabouts are unknown. The requirements for picking up the car are: 5,000 yuan for each of the five car snatchers, towing fee 1.5W, 30% of the total contract amount, excluding interest, which shall be paid off in advance as liquidated damages. See many of the same experiences, come on!

Third, the mortgage car I bought was robbed by a small loan company. I called the police to help me recover it, and I have already convicted the other party of robbery. What reason does the police have to detain my car?

This kind of thing happens from time to time in China. The point is that the police are lax. Logically speaking, there is no reason not to return. And as a victim, you should take care of it more, otherwise it will make people feel even worse. If it is a big city, call the mayor's hotline.

4. Is it illegal for a small loan company to rob a car?

It's not normal to do it without legal procedures. You can go through legal procedures.