Violent collection by Fenqile

Recently, 315.100EC.CN, a well-known domestic online consumer dispute mediation platform, received complaints from users, claiming that "Fenqile", a subsidiary of Shenzhen Fenqile Network Technology Co., Ltd., violently demanded payment, threatened by text messages, and disrupted the normal behavior of users. Life. (See /zt/fqlts/WEEE special topic for details)

On May 29, Mr. Li from Guangdong complained to the "Diannv Bao" that due to the epidemic, he started borrowing installment loans around March 2021. Pay it back once. I can't withdraw it because I don't have a job and haven't earned much money yet, so I really can't pay back that much at once. It expired last month and I was urged to pay it back. Finally, Ms. Li blocked the call. Later, I sent messages to threaten Ms. Li, and finally called her family.

Later, Mr. Li asked relatives to borrow money to repay the first installment, but he couldn't borrow this installment. Therefore, Mr. Li hopes that the installment music platform can help open up music enjoyment, but there is really no way to repay so much, which has already affected Mr. Li's normal life. Mr. Li said that even eating is now a problem and he is worried about the constant debt collection every day.

After receiving a user complaint, we will transfer the complaint case to the relevant platform staff as soon as possible for supervision and proper handling. In response, "Fengqile" gave the same mechanical feedback to Dianvbao, saying: Hello, your question has been forwarded to the relevant departments for verification, please wait patiently.

According to the online social enterprise database (COP.100EC.CN), Fenqile is affiliated to Shenzhen Fenqile Network Technology Co., Ltd., which was established on August 15, 2013, and its legal representative is Xiao. The self-proclaimed Fenqile cooperates with Bank of Shanghai Co., Ltd. to provide customers with loans and funds, serve China's most growing credit consumers, and help 400 million credit card holders consume with higher quality.

According to the number of effective complaints received by users in the financial technology field handled by “Diannvbao” (ranked by the number of complaints), Fenqile ranked first. From 2023 to now, there are also platforms in the financial technology field that have also been complained about: Youqianhua, Youwodai, Future Financing, Paipaidai, Home Credit Finance, Baidu Wallet, China Merchants United Finance, JD Finance, Alipay, and Time Financing.

In addition, the domestic online consumption mediation platform "Diannvbao" accepted cases of user rights protection, showing that "Fengqile" still has information leaks, overlord clauses, online fraud, refund issues, and customer service issues in 2021 , order issues.

Case 1 "Fanqi Le" was accused of overbearing terms and high interest rates.

On May 29, 2023, Ms. Zhang from Henan complained to Diannvbao that the Finqile app quota she used in March 2021 was 14,140 yuan, and the suspected amount was 20,000 yuan. By May 2023, she had repaid 14,400.18 yuan, which has never been overdue. At present, she still needs to repay 7,300 yuan. After consulting the customer service of the platform, I was able to apply for another 5,700 yuan, which is equivalent to borrowing 14,000 yuan. The mobile phone number of Lexin Group called Ms. Zhang at 2:00 pm on May 29, 2023. It is clear that the interest rates on the platform are within the scope of national regulations. Ms. Zhang would like to ask, do these online loans look down on the country now? Why don't you catch them? No one cares? Ms. Zhang believes that this platform has seriously violated her personal rights and interests, and there is no need for this overbearing platform to exist. Ms. Zhang’s request: A good installment platform should compensate Ms. Zhang for the overpayment and remove it from the Chinese market.

Case 2 "Fenqi Le" was accused of information leakage and threats of harassment.

On May 29, 2023, Ms. Nong from the Guangxi Zhuang Autonomous Region complained to "Diannubao" that due to the epidemic, she had no work and no income for several months, and was temporarily unable to repay the installment loan, resulting in overdue loans. Not returned. After the deadline passed, Ms. Nong began to contact Fenqile customer service to see if it could be extended, but Fenqile refused to extend it. After negotiation, she refused and asked Ms. Nong to borrow money from relatives and friends to repay the loan. She has said she will not be open to negotiations at all for the time being. Phone bombing, information threats, information leakage. There are many calls every day from different areas. He sent a message saying that he would not pay back the money and started calling his parents. By sending messages, adding WeChat verification, and transferring money with Alipay, you

After receiving a user complaint, we will transfer the complaint case to the relevant platform staff as soon as possible for supervision and proper handling. In response, "Fengqile" gave the same mechanical feedback to Dianvbao, saying: Hello, your question has been forwarded to the relevant departments for verification, please wait patiently.

Case 3 "Fengqi Le" was accused of threatening and harassing relatives and friends over the phone.

On May 28, 2023, Mr. Chen from Guangdong complained to "Telegram Bao" that he owed 900 yuan and the balance was about 1,300 yuan. Currently 7 days overdue, Fenqile began to harass family and friends with phone calls. Teacher Chen proposed to negotiate and pay off the loan in one lump sum on the repayment date next month, but the customer service refused to negotiate. I didn't leave my friend's phone number, I just harassed him with phone calls.

After receiving a user complaint, we will transfer the complaint case to the relevant platform staff as soon as possible for supervision and proper handling. In response, "Fengqile" gave the same mechanical feedback to Dianvbao, saying: Hello, your question has been forwarded to the relevant departments for verification, please wait patiently. Related Q&A: Can Fenqile negotiate for a deferment of repayment? The specific method is to call Fenqile customer service hotline and explain the reason for the overdue repayment; submit an application for deferred repayment, and upload supporting materials if you have them; Fenqile will contact you after receiving the application. The user will be reviewed; after passing the review, the user will be notified of the time to defer the repayment; if the review is not passed, the user cannot repay the loan in installments and needs to pay off the loan as soon as possible. How to negotiate repayment for overdue online loans 1. Negotiate actively and take the initiative to repay. Don’t wait for overdue collection calls from online loans before you want to negotiate. You can proactively contact customer service to negotiate repayment before it is overdue, and give you a grace period or direct reduction or exemption. If the customer service does not agree with the interest rate, you can call more times. 2. Be sincere and sincere when communicating with debt collectors. Don’t just say that you have no money. They are tired of hearing this. After you can talk about the difficulties, express your good willingness to repay, list your repayment plan, explain that you have income from work and are working hard to raise money. 3. Act with reason and retain evidence. If there are non-compliances in online loans, such as membership fees, review fees, etc., or there is violent collection, you can retain relevant evidence and understand certain legal knowledge to negotiate and use words. Be careful and don't be verbally violent. It is recommended that you have a complete understanding of your capital flow before overdue, so that you can effectively improve your loan application success rate and reduce your borrowing risks. The consequences of negotiated installments: 1. Taking credit cards as an example, negotiated installments can only be processed after the due date. Some people can use other methods to solve the debt problem before it is overdue, but in the end they have to postpone the negotiated installment until it is overdue. This is an unscientific way of thinking. 2. After negotiating the installment, this credit card cannot continue to be overdrawn before the debt is settled, which is equivalent to only getting in but not getting out. 3. The credit report will show stop payment. No bank will be willing to lend to you until your debt is paid off. Even if it is paid off, the overdue records will continue to be retained in the credit reference center for 5 years. During these 5 years, other banks will be cautious or cautious when they see that payment has been stopped. Refuse to apply for a loan for you. 4. If the installment is overdue again, the installment agreement will be invalid and the overdue penalty interest will still be charged. The bank may directly require the full payment or sue.