Joke Collection Website - Public benefit messages - How do loan companies report violations?
How do loan companies report violations?
Report directly to the industrial and commercial bureau, or report directly to the police.
If the situation is serious, you can directly take up legal weapons to protect yourself.
How to complain about the loan platform
At present, you can report directly through the complaint hotline 123 15, or you can report online through the national internet platform official website. The specific reporting process is 1. Enter "12315" on Baidu, sogou, 360 search and other tools; 2. Find "National Internet Platform official website 123 15" and click to enter; 3. After entering official website, you can see "I want to complain" and "I want to report" and click "I want to report"; 4. Take a few minutes to read the "Instructions for Reporting" carefully. Then click "Agree"; 5. Find the online loan platform to report according to the page prompts, and fill in personal information and enterprise information in turn; 6. After all the information is completed, everyone can submit a report. Under normal circumstances, the industrial and commercial department arranged by 123 15 will check the report within seven working days and decide whether to file a case, which will be extended to fifteen working days under special circumstances. After filing the case, the relevant departments shall make a decision within 90 days from the date of filing the case. If the case is complicated, it may be extended for 30 days.
Legal basis: Civil Law
Article 394 Where the debtor or a third party mortgages the property to the creditor to guarantee the performance of the debt without transferring the property, and the debtor fails to perform the due debt or realize the mortgage right according to the agreement of the parties, the creditor has the right to be paid in priority for the property. The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property.
How to report online lending platform
How to report online loan companies
First, how to report online loan companies
You can call: 12377 to report a similar online lending platform.
You can also pay attention to China Internet Finance Association and report it. You need to prepare evidence, such as malicious threatening text messages, screenshots of online loan platform repayment, threatening insulting telephone recordings.
Second, the report materials and elements
When reporting illegal and bad information on the Internet, the reporting subject shall provide the information website corresponding to the online reporting matters or basic reporting materials such as descriptions and sample screenshots that can accurately locate the reported information, as well as reporting elements such as report letters, letters from relevant departments and relevant certification materials.
Three. Related legal knowledge Article 266 Whoever commits a crime of public or private property, with a relatively large amount, shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also, or shall only, be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years and shall also be fined or confiscated. Where there are other provisions in this Law, such provisions shall prevail.
How to report a loan company
1. Log in to official website of China Internet Finance Association;
Second, click on the reporting platform on the right side of the homepage;
Third, submit complaint information.
According to the Guiding Opinions on Promoting the Healthy Development of Internet Finance (NIFA [2015] No.221) jointly issued by the People's Bank of China, China Banking Regulatory Commission, China Insurance Regulatory Commission, Ministry of Industry and Information Technology, Ministry of Public Security, State Administration for Industry and Commerce, etc. 20 15 12 3 1 With the approval of the State Council, the Ministry of Civil Affairs informed China Internet Finance Association that it was approved to be established. 20 16 On March 25th, China Internet Finance Association held its inaugural meeting and the first general meeting of all its members in Huangpu District. The Mayor of Shanghai and Pan, Vice Governor of China People's Bank, jointly unveiled the Association.
Association profile:
The first general meeting of all members deliberated and voted on the Articles of Association of China Internet Finance Association, Measures for the Management of Members of China Internet Finance Association, Measures for the Management of Membership Fees of China Internet Finance Association and other basic systems, and signed the Self-discipline Convention for Members of China Internet Finance Association and the Proposal for the Healthy Development of Internet Finance Industry. At the same time, the first Council and supervisors were elected. Li Dongrong was elected as the president of the first association.
The establishment of China Internet Finance Association has been highly valued by the CPC Central Committee and the State Council. It is the first national trade association to undertake special functions after the decoupling reform of trade associations in China, which has made a useful exploration for establishing a national trade association registration system. The association aims to standardize the market behavior of employees, protect the legitimate rights and interests of the industry, promote employees to better serve social and economic development and guide the healthy operation of the industry through self-discipline management and membership service.
There are 425 members attending the inaugural meeting of the Association, including banks, securities, insurance, funds, futures, trust, asset management, consumer finance, credit information service, Internet payment, investment, wealth management, lending and other institutions, as well as some institutions that undertake the functions of financial infrastructure and financial research and education, basically covering the mainstream and emerging formats of Internet finance.
How to report a third-party collection company
The third party company can make a complaint by calling the dunning phone in the following ways: 1. Complaints can be made through the official WeChat account or the official WeChat of official website and Internet Finance Association; 2. 1232 1 The acceptance center for reporting bad network and spam mainly deals with phone calls, harassing phone calls and spam messages. Third-party collection agencies can harass borrowers, indicating that the loan platform has leaked users' privacy, and they can call 1232 1 to make a complaint; 3. The CBRC reports, which is a formal reporting platform of the country, without the participation of any institution, and the CBRC's supervision of loan companies is also very strict. If there is no financial license issued by the CBRC to issue loans, the loan company will be investigated after reporting. According to Article 68 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, the issuing bank shall collect money from the debtor himself and his guarantor, and shall not collect money from a third party unrelated to the debt, and shall not use improper means such as violence, coercion, intimidation or abuse of power to collect money. The collection process shall be recorded, and the recorded materials shall be kept for at least 2 years for future reference.
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