Thoughts caused by debt collection companies helping orphans find their biological parents

I saw a joke on Weibo the day before yesterday: An orphan took an online loan of 3,000 to buy a mobile phone. However, he failed to pay the money and was collected by many parties. In the end, it turned out to be a blessing in disguise: the orphan’s long-lost biological child. My parents were found by debt collectors...

If this is true, I have to think about it with horror: in today's information-rich society, all kinds of news spread so fast Unimaginable. Even so, it is not easy to reunite separated relatives. Haven’t you seen there are many news reports about people squandering their wealth in search of abducted children? Publication in newspapers, various websites for searching for relatives, families traveling thousands of miles, and even the police department may not be able to help find her... Various methods are used, but hope is still elusive. However, such a big problem was actually solved after I borrowed 3,000 yuan and couldn't pay it back. I'm afraid the cost of finding relatives saved is far more than 3,000 yuan, right? Even if the high interest rates of online loans are included, I am afraid this guy will still make a lot of money.

So, what methods did the debt collectors use to find the parents of the debtor? I couldn't help but check it out, and it turned out that the collection methods of online loan companies were so incredible.

As we all know, the leakage of personal information is very serious now. I receive several unknown calls almost every day, asking whether I want to buy a house, whether I need a loan, or whether my children want to participate in various activities. In this case, it should not be difficult for the collection agency to know the family situation of the debtor. For example, the following woman in Jilin was urged to pay back the money as soon as possible by dozens of friends in her mobile phone address book because her debt was overdue. It turned out that the Internet company called dozens of this woman’s friends and asked them to tell her to pay back the money as soon as possible. This lady still couldn't figure it out. She didn't authorize any software to access her address book, and she only filled in two contacts when she took out the loan. How did the online loan company get her address book? As a result, the customer service informed: It was given by the investor! Whether it's true or false, we don't know. But it is conceivable that in this era of information explosion, personal information has also exploded everywhere.

Searching the Internet, we can find that there are a large number of similar encounters with this woman on the Internet. This behavior of stealing and harassing all contacts to collect payment has been given a special name - bombing the address book.

Just last week, "Chengdu Business Daily" reported that a 36-year-old pregnant woman, Ye, committed suicide by drinking pesticide. It was suspected that the debt collector threatened her 3-year-old son, posting a message saying, "The child is so cute. , I don’t want anything to happen to him,” and asked her to pay off the loan as soon as possible.

At present, the police have intervened in the investigation and found the names of 12 online loan companies on his notebook. It is reported that Ye was bombarded with phone calls and text messages from online loan collectors many times during his lifetime.

What is scary is that today’s debt collection is no longer limited to text messages and phone calls. In order to recover the debt, some debt collection companies will also teach borrowers to borrow money from multiple parties through online loans to repay old debts. Let the lenders tear down the east wall to pay for the west wall, and the debt will snowball and grow.

To sum up, collection collection is generally divided into three stages: the first stage, just a few days overdue, the platform customer service MM whispers and warmly reminds you that it is overdue, please repay on time; the second stage: In the third stage, if you are overdue for a long time, the platform customer service will give a serious warning and threaten you with serious consequences if you are overdue for a long time; in the third stage, if you are overdue for a long time, the platform will no longer persuade you with good words and start taking practical actions.

There are many types of practical actions, such as: pushing your debt information to your relatives and friends, so that you lose face in your circle of friends; the platform arranges dedicated collection personnel to come to collect collections, and communicate face-to-face to collect accounts. wait. And these are relatively mild. Some platforms outsource debt collection and let specialized debt collection companies handle the collection. The so-called "violent debt collection" is done by debt collection companies, and I believe borrowers are not willing to encounter it.

The threshold for online loans is low and the payment is fast. Many people who cannot raise funds through normal channels often choose this method. However, it is easy to borrow money and difficult to repay, so many people fall into the trap of compound interest. There is a loan shark trap. Some people borrow only a few thousand but end up with a difference of tens or even hundreds of thousands. This is usually the result of using a new online loan to repay the old online loan.

The good news is that the country has begun to pay attention to a series of social risks caused by online lending and has begun to impose heavy supervision.

On November 21, the Office of the Leading Group for Special Rectification of Internet Financial Risks issued an urgent document "Notice on the Immediate Suspension of the Approval of Online Small Loan Companies." As a result, the issuance of online loan licenses was urgently suspended, and some provinces and cities had already No new licenses will be issued.

Although the country has begun to strengthen the approval and related supervision of online loan companies, the most important thing is for individuals to consume rationally and not to step into the door of online loans easily. Otherwise, it will be easier to get in than to get out!

Finally, I would like to remind everyone that you must not believe the stories about debt collection companies helping orphans find their biological parents. Those who want to find relatives should not try online loans. This is just a reminder from the side that the debt collection company is clever.