How to prevent online loans from harassing family members?

How to prevent online loans from exploding the address book

After loans overdue, the borrower is most worried about overdue. Many borrowers are affected by the problem of overdue online loans to varying degrees, and relatives and friends are disturbed by a large number of collection calls every day. How to prevent the address book from being exploded when the online loan is overdue? These methods are very effective!

How to prevent the address book from being exploded when the online loan is overdue?

Generally speaking, the formal online lending platform will not explode the address book. If you encounter an irregular platform that explodes the address book, you can stop it by these methods: calling the police, complaining to the operator, downloading shielding software, and directly shielding any strange phone calls.

Under normal circumstances, it is illegal to collect and explode the address book. Specifically, it is forbidden to disclose personal information such as debtor's liabilities and overdue breach of contract to third parties unrelated to debts. However, for some online loan collections, such regulations are almost useless, because many online loan platforms are illegal, so if you can't sue the collectors, you can only rely on collection to collect debts. In order to recover more debts, you will choose illegal ways to collect them.

In addition, you can also send a circle of friends to explain your situation and tell friends and relatives to ignore such calls as soon as possible. Even if they do, they can record their complaints. This is not to tell you how to repay the loan, but to avoid being harmed by bad collection.

In addition, in the process of repayment, if you can't pay it off in one lump sum or negotiate installment, don't pay it back in one lump sum. This will only make the other person think that you have money to pay back, but you don't want to pay it back.

The above is the related content sharing of "How to prevent the address book from being exploded when the online loan is overdue", and I hope it will help everyone!

How to intercept the online loan explosion address book? Friends and relatives are finally saved!

The common problem in the online loan market is that there are too many illegal platforms and too many victims. Only after borrowing it, the interest and handling fee are very high. Overdue repayment will be fined several hundred yuan a day. If you don't repay, you will explode the address book. This is the last thing borrowers want to see. Because the harassment cost of "calling you to death" and hanging up the ring is low, the state has no strong supervision for the time being, so we have to find ways to establish an address book to intercept online loans.

I suggest you do these things before the deadline.

1, edit a short message, the content can be fraud prevention, confession, introduction, etc. , and send them to friends in the address book;

2. Send a dynamic message in the circle of friends to explain what happened. In the future, everyone may receive information and telephone harassment;

3. Call important relatives, family and friends and sincerely apologize.

All the above must be completed before the forced landing. The key point is to make everyone psychologically prepared and ignore the collection staff at that time.

Don't be afraid of losing face, don't do these things now, and the collectors won't know what you will be described, so it is very necessary to explain in advance.

Second, after doing the above, you can start to reduce the impact of the address book explosion.

1, prepare a mobile phone interception strategy, sort out a complete one, including Android phones and Apple phones, and then send it to friends in the address book to teach you how to intercept.

2. Once you start to explode the address book, let friends in the address book record screenshots of phone calls and text messages and send them to you, and then use these to negotiate with online lending institutions to stop exploding the address book, otherwise you will complain to relevant institutions.

Generally speaking, online loans will burst into the address book in three months, and the collection time is related to the loan amount and the scale of online loans. After more than half a year, the address book will basically not explode. This time, everyone can insist. Of course, the most important thing is to stay away from these online loans and need to authorize the address book. After the deadline, more than 90% will explode the address book!

What should I do to harass my family through online loan collection? These three methods are very effective, and it is recommended to collect them.

There are more and more online lending platforms in the market, which means that more and more people borrow money, and products are born only when there is demand. Some people borrow money, others are overdue. After loans overdue, the lender will collect it as soon as possible. What should I do to harass my family through online loan collection? These three methods are very effective, and it is recommended to collect them!

What should I do to harass my family through online loan collection?

1, complaint

No matter what company it is, it can't stand the complaints of users. Especially for online lending platforms, they are afraid of large-scale user complaints. Moreover, relevant laws and regulations clearly stipulate that any collection personnel or third-party collection agency are not allowed to contact the borrower's relatives or friends privately as long as they can contact the borrower himself, which is a soft violence collection.

Therefore, when the borrower is harassed by the debt collector, the borrower can choose to complain directly to the lender. Under normal circumstances, the collection personnel are all from the collection department of the lending institution. There are many collection channels, among which CBRC is one.

Step 2 call the police

Borrowers and their families can collect screenshots of telephone recordings and short messages during harassment, find local public security organs and report to the police directly. According to the regulations, when collecting money, the collection personnel cannot use intimidation or bombing the address book to collect money. In particular, home collection is a serious violent collection. Violent collection, threatening personal safety and soft violence collection are all criminal cases.

Step 3 contact the lending institution

If the borrower doesn't want to make a big deal, he can also contact the lending institution directly to negotiate repayment. First show your willingness and ability to repay, and then ask for negotiation by stages. If the lender disagrees, the borrower can also choose to sue directly.

The above is the related content sharing of "How to do online loan collection to harass family members", I hope it will help everyone!