The online loan received an overdue text message saying that it would visit the household registration and post a notice.

Legal analysis: it is illegal to demand confiscation by violence. Peer-to-peer lending is illegal. The borrower shall repay the loan within the time limit agreed by both parties. If it is really unable to repay, it can negotiate with the borrower to extend the repayment period.

Legal basis: Article 293-1 of the Criminal Law of People's Republic of China (PRC), the crime of illegal debt collection has one of the following circumstances. If the circumstances are serious, they shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also or only be fined:

(1) Using violence or coercion;

(2) restricting the personal freedom of others or intruding into others' houses;

(3) Threatening, stalking or harassing others.

Article 10 of the Interim Measures for the Administration of Business Activities of Peer-to-Peer Lending Information Intermediaries prohibits peer-to-peer lending information intermediaries from engaging in or accepting entrustment to engage in the following activities:

(1) Using the Internet platform of the institution to finance itself or its affiliated borrowers;

(2) directly or indirectly accepting and collecting the lender's funds;

(3) Providing a guarantee to the lender or promising to protect the principal and interest;

(four) to publicize or recommend financing projects to unregistered users of the real-name registration system;

(5) Granting loans, except as otherwise provided by laws and regulations;

(6) Time limit for splitting financing projects;

(seven) sales of bank wealth management, brokerage asset management, funds, insurance or trust products;

(eight) in addition to peer-to-peer lending as stipulated by laws, regulations and relevant regulatory provisions, any form of mixing, bundling, investment agency, sales agency, promotion and brokerage business with other institutions;

(9) Deliberately fabricating and exaggerating the authenticity and income prospects of financing projects, concealing the defects and risks of financing projects, making false one-sided propaganda or promotion by vague language or other deceptive means, fabricating and disseminating false or incomplete information, damaging the commercial reputation of others and misleading lenders or borrowers;

(ten) to provide information intermediary services for financing investment in the securities market;

(eleven) engaged in equity crowdfunding, in-kind crowdfunding and other businesses;

(twelve) other activities prohibited by laws and regulations and regulatory provisions related to peer-to-peer lending.