What if the online loan is not in the address book?

The reason why the online lending platform can explode the borrower's address book is because the borrower allows the platform to read the address book information when borrowing. Even if the borrower later changes or even empties his address book, the record will remain on the platform. What if the online loan is overdue and the address book is exploded? At this time, we can't just sit back and wait. These four methods can be solved!

1, alarm, many online lending platforms use software similar to "call you to death" when they burst the address book. In the face of such behavior, borrowers can call the police to defend their rights.

2. Complain to the operator. When we can't stand the harassment of the collection phone, we can complain to China Mobile, China Unicom and China Telecom and ask the operators to freeze the collection phone number.

3. Complain to relevant departments that the online lending platform is not unregulated. Generally speaking, it is effective to complain to the Industrial and Commercial Bureau or the Internet Finance Association.

4, direct shielding can find a shielding software in the software market, directly shielding the collection phone.

The four methods mentioned above are all small measures that can be taken when the address book explodes. But if you want to completely avoid telephone harassment, it is best not to borrow online loans in the first place. Now that social information circulation is developed, our blind online loan records will be collected in a large database. After the introduction of the 100-bank credit report, people with bad records will be restricted from traveling, and children may have problems going to school in the future. So be sure to know your credit status in time. If you don't know your own situation, you can go to "Baixin Financial Consulting" on Alipay's homepage to inquire about your own situation and keep relevant data. Finally, I hope you can listen to my suggestions. No matter how hard life is, you can try to get through it. Don't try online lending!

I am completely overdue now, more than three months.

The address book was hacked at the end of last month, but now I don't know what platform it is, because when it was hacked, he sent a text message to my dad's mobile phone, saying that I illegally possessed bank assets and should bear criminal responsibility, but I just dare not say what platform it is. My dad thought it was fraudulent information, so he ignored him. Three days later, my dad received a phone call from other places saying that I owed money to the bank, but he didn't say how much I owed or which bank. My dad still thought they were liars, said he would call the police, and then hung up. I also ignored them, because they didn't mention the platform and the bank twice, and I couldn't find them. However, there are still platforms and banks whose text messages are overdue every day.

Just a few days ago, I was asked by the third party of Guangfa to explode the address book. That afternoon, a third party called me, but I didn't answer, so they called my husband. My husband is at work, so he says he is busy. I'll talk about it later, and then he hung up. The third party's collection is called my mother. My mother was busy and didn't answer. I can't believe they called my father-in-law and told him that I refused to pay back the money I owed Guangfa, and checked with my father-in-law if I was in trouble or something. I said so, but it is said that my attitude has been bad. My father-in-law said he didn't know my situation and hung up the phone. They called again more than an hour later, and my father-in-law blacked him out directly. Then we called our village Committee and my brother-in-law, but he just didn't answer the phone. At present, I know that Guangfa has exploded my address book, and they didn't mean to call anyone in your address book casually. He did investigate your social relations and then chose your relatives to call. On the one hand, this is to exert pressure, on the other hand, we should also think that all the calls he made were from people around you, and threatening a few words may pay off. All I know at present is that my relatives received a phone call saying that I owed money, but I didn't listen to anyone else. It is also possible to make a phone call, and people don't care.

In fact, it is easier to access the address book. When it was not exposed, I was still worried about when it would be exposed. It's easier for everyone to know now.

After the address book was exposed by Guangfa, my husband made a collection call. I didn't expect him to admit that he had done these things and said that he was a legal compliance investigation or something. I recorded the call video and directly called the CBRC to complain. The processing results haven't come out yet. Wait for notice. However, even if the complaint is filed, the collection department will continue to collect it. They called the day before yesterday and said they would come home, but they didn't come all day yesterday.

I don't know what the next collection procedure is after the address book is exploded. Wait and see.

If you really haven't got up, you should have started to pop up the address book. Now there is only one way, change your mobile phone number first, and then contact them for repayment when you have money.

I have done small loans for three years before, and I have also been exposed to collection. How did the customer get kicked out of the address book? You must have a legitimate reason to get the customer's address book first.

The average customer wants to apply for a loan. Some people don't understand or feel uneasy. They will come to our company with information to fill in the application form, download the registered app, and then download the phone records for nearly half a year on the app (it was useless before, but this step was added to prevent fraud). If he has loan experience, he won't come to the company, send the required materials and application materials directly, and then download the app to register and log in.

After data collection, waiting for audit.

After the approval, the quota and interest will come out immediately, and customers can also receive SMS notification after the approval, but the quota is invisible. If the batch amount is high, tell the customer, for example, if you apply for 65438+ 10,000 batches of 65438+ 10,000, tell him that the customer will be very happy and sign the contract with your ID card and bank card immediately. If the application is 654.38+10,000 yuan, only 654.38+10,000 yuan will be approved. If you tell the customer directly, the customer will definitely be unhappy. If you use that 10 thousand yuan to say what I want, most of them will give up and sayno. So you can't tell him directly at this time, you can only say that the approval has passed. You have to take your ID card to the customer service office to check the amount and interest, and print out the repayment form. Only in this way will customers come.

The customer will print a repayment form for him to see when signing the contract. How much is the monthly repayment, how much is the principal, and how much is the interest, and then the comprehensive rate can be calculated. The interest of small loans is between 1.68 and 2.3. If you want to settle in advance, you can pay back how much money at one time. You can see it clearly on the repayment form.

Sign if you can accept it, and go back if you can't.

Leave the names and telephone numbers of five immediate family members when signing the contract, and check them before lending. Then log on to the mobile, China Unicom or telecom websites to download the call records for nearly 6 months. This call record can only be released if it is submitted by the system and matches the download on the app. Otherwise, it will be reviewed but rejected. Then there are more than 20 contact information in the customer's mobile phone, and the customer will collect it after the deadline. Anyone who has experience in microfinance knows that they will randomly store some contacts and phone numbers in their mobile phones in advance.

One or two days before the repayment date, the customer service will call or WeChat to remind customers to deposit money in the card, and the system will deduct the money at 1 on the early morning of the repayment date. Some customers will return it in the app one or two days in advance, and some customers will be urged to return it on the repayment date. If the customer hasn't paid it back after work at 6 o'clock on the repayment date, he will start to collect it. First, he will call the five immediate family members left by the customer. Some will return it as soon as they hit it, while others won't.

The next day, I began to collect all the information, and called my immediate family contact, the company landline provided by the customer's application form, and looked for the phone numbers with more calls from the phone records downloaded by the customer in the past six months. Unlimited times a day, call others until the customer repays, or the company says there is no need to rush this. This is the explosion address book. Some people will find it unreasonable that the repayment date did not arrive on the same day. Why can't we give a few days' grace and start popping up the address book the next day? I can't help it. It is directly related to their commission and bonus. The company system is like this. If it is overdue, their commission will be less, the overdue rate will be higher than other business outlets, and the bonus will be gone.

Some customers can't stand the collection, so they go to the company to quarrel with the manager and customer service, and then call 1 10. Hey, hey, those who say call the police can be simpler. At first, the police station sent several auxiliary police officers to ask the company to show their business licenses and other documents, and there was no problem. Then the customer released the recording of the series. If there is no threat, at most it is swearing. Both sides swore that it was not illegal. Finally, the police mediation can only say, "You took the money, signed the words and signed the video. If you owe money to others, you must find a way to pay it back. " If the customer doesn't accept it, the police will have to find a way to deal with it themselves. If someone often calls the police later, the auxiliary police will come to mediate alone to help the customer win a period of time, during which he will not be called again.

Those who say it's a usury company, can you change the word? Do nothing but usury. Our company has been in business for five years and has a business license and a business license. Its headquarters is in Beijing, and there are so many branches all over the country. If the countries that lend usury have already checked, they would have let you operate for so long.

So in this case, as you said, I don't know if it is useful to make other complaints, but it is useless to call the police. If your money has not been paid off, it is impossible to ask others not to accept it. I am two years overdue now, and I am urged by others every day. I have to change my mobile phone number at home, and then save money and pay it back slowly.

I don't care. Don't pay back a penny if it explodes

I'm almost a month overdue, and it's also a credit card and several platforms. I haven't popped up the address book for the time being. You can take the initiative to contact the platform and say that it is not not returned. This is a temporary difficulty. If you have money, you can pay it back right away. I hope you don't collect illegally. Don't say I haven't paid it back until you get yourself into some trouble, because it's your fault. You can sue.

Tall buildings have risen from the ground! Now, the most terrible and sad thing is not getting the money and not paying it.

I don't want to say more about Zhuge Liang's advice not to spend money and invest indiscriminately, because it's useless now, and it's too late to mend.

The realistic solutions are: first, try to negotiate with the debtor's unit and ask for interest reduction, penalty interest and late payment. Success or failure, do it first. If negotiation fails, please tell me clearly, there is nothing I can do, and I can't afford the money. You are struggling. I'll either change my mobile phone number and work unit, or jump off a building in your office or drink pesticides!

Secondly, don't be afraid of making a fool of yourself, put your address book in order and tell your friends and relatives that if you don't pay your debts, you may be harassed by the creditors by phone, so that they can say that they don't know this person after receiving the phone call, and call the police if they are harassed by the phone!

Finally, you should know that repayment is necessary and necessary, but there are ways to collect and save the phone calls and text messages threatened by the other party, including the phone calls to your relatives and friends, and tell them to record and save them for you. At a certain time, you can call the police and accuse the creditors of violent collection. According to the latest legal provisions, threatening to harass the address book and demanding repayment is a soft violent crime, which is equivalent to a criminal offence. The harder creditors demand money, the deeper they are suspected of committing crimes, which they can't afford.

Collect the evidence illegally collected by the other party and keep it properly. In case they sue in court, it is also a powerful weapon to breed the other side and demand compensation from them, reducing some interest and late fees.

The debt has been owed, and it will be paid in the house. Some consequences and responsibilities are unavoidable, so just bite the bullet and bear it.

It is normal that online loans are not in the address book. Explain the situation to family and friends, ignore it, try to make money, answer the collection phone if you want, and don't answer if you don't want to. The first month of overdue collection is the worst, and it will be much better in the second month. Two months overdue, look at your credit report. There are many online loans that are not available for credit reporting. Don't pay attention to online loans that are not on credit information. The online loan on the credit report has been handled once. I'm two or three months overdue, so I can answer the collection call if I want, or hang up if I don't want. It's not so radical to answer the phone now. Basically, it is the tone of demand that makes me pay back the money, ignore them and try to make money.

If the online loan is exposed to the address book after the deadline, and if it is violently collected, evidence can be collected and reported to the local industrial and commercial department or the China Internet Finance Association.

And if you want to avoid the explosion of the address book, the best way is to repay on time to avoid overdue. Because if it is not overdue, the online lending platform will not collect it. If it is not collected, it will naturally not be exposed to the address book.

Of course, some people are overdue because they really haven't arrived yet. If the interest rate is too high, you can check whether the interest rate meets the standard of usury. If it is usury, you can sue the other party in court. The borrower only needs to repay the statutory interest.

In fact, the address book was exploded because people usually need to authorize the online loan platform to read their address book information when applying for online loans. And if there is no authorization, it is generally impossible to borrow money. Therefore, this will lead to the situation that the borrower's online loan collection explodes the address book after the deadline.

I don't know why you owe so much foreign debt. I owed money before, so I can understand your situation. Different calls come in every day, which affects your mood. People will unconsciously become depressed, feel inferior, and dare not contact family and friends. I'm afraid to let people around me know. Before I owed money, my friends around me asked me what was wrong, so I explained the situation to others and made amends to each other, but I also knew.

However, since it has expired, please don't worry about whether the address book will be exploded, because as long as it is not available, they will definitely call and send text messages. The most important thing now is to save the credit information first, and the future credit information will definitely be linked to the digital economy. If the credit is not good, it will be really difficult, so the credit card must be returned first, and then the credit loan will be considered. It is not necessary to fill the hole with a credit card, and the bigger it is.

So, if you can't pay your debts, communicate well. As much as you can, friends who have been exposed to the address book will take the initiative to apologize to others, not to mention the interpersonal relationship will be destroyed. We will succeed. I wish you an early landing.

Turn off the phone to sleep, and turn it on when you get up in the morning. Mathilde seems to be shaking all the time. As soon as the phone was turned on, it went into paralysis and crashed immediately. I turned on the SMS 999+ again and missed the call 999+!

My situation is that all online loans are overdue, and a credit card was sued by the court and forced to repay. There are more than 40 online loans (including flower buds, borrowing buds, Alipay and micro-loans) unable to repay.

Online loan collection process:

Whether it is a big platform or a small platform, basically, if you are overdue for one day, the phone of the online loan company will always call your mobile phone.

2. Being called, you have two options.

First, answer the phone.

(1), when you are destined to answer the phone, you just have to consider all the psychological pressure, because the other party calls, as long as you answer his phone, he will have a way to say that you are particularly sad, and you will not be in a good mood all day, especially if you have no money to pay back, which will push the whole person to a state of despair.

2. The other party put forward a condition that the repayment can be negotiated, and only the principal needs to be repaid without interest. But at this time, you can't afford it, and you will know how uncomfortable the situation is.

It will affect your work and life, because if he calls, as long as you answer, he will have time to chat with you until you pay off the money.

2. Failure to answer the phone, or call transfer, shutdown, downtime, etc.

When you choose not to answer the phone, it is doomed that you will choose to avoid this debt, which you can't face, or because you simply can't repay it. Online loan companies only need to make a few phone calls, and if you don't answer them, they will take the next step.

First, dial another number. Generally speaking, as an excellent collector, he has no fewer than five numbers in the country.

2. Test whether your number is in use by sending SMS or MMS to your local number. The other party only needs to see that you have signed or received it. That proves that your number is in normal use, but if you blacklist it, the other party will send some text messages to shock you.

Third, if they can't contact you, they will choose to send some lawyer's letters, collection letters, indictments and so on. Go to your work unit or village Committee.

4. Call your friends through the address book and find you through the phone number provided by your friends. If a friend in your address book doesn't cooperate, he will be threatened or bombed by phone.

I have been bombarded by telephone many times. Sour and wonderful. It is impossible to play games on mobile phones, especially for advanced users who don't even have to intercept the housekeeper. You will find that you regret buying that advanced mobile phone.

According to your actual situation, your monthly income is 5,000 to 6,000 yuan, and your monthly repayment amount is 654.38+0,000 yuan. This is a typical situation of living beyond one's means. You should not only do a good job in financial planning, but also make repayment more convenient and not overdue.

First of all, you need to list all your debts in different levels, then do your own accounting, find out which one needs credit reporting and which one has lower interest after loans overdue, and then contact to see which one can negotiate repayment. As long as you make a good plan yourself, this little money can be repaid normally and will not be overdue.

(1), take the initiative to contact the lender, tell the other party your difficulties, and apply for deferred repayment.

(2) Give priority to repayment of loans with credit certificates. If you don't know which credit company it is, you can go to China Bank to print a credit report, and your loan information will be displayed on it.

(3) Some repayments can be made with the minimum repayment amount as far as possible, or by installments, which can be more effective. To ease their economic repayment pressure.

It is not enough to save money. Money is not saved, it is earned. You can do part-time jobs in your spare time to increase your income, so life will not be so difficult. You can run some takeout. This only needs an electric car and a smart phone, and it doesn't need much technical content. You can also do self-media online like me, and make a video when you have time. If you are good, write articles like me. I earned tens of thousands of dollars in a few months.

5. Open source and reduce expenditure, we must save money, save the province, don't buy unnecessary, and try not to eat delicious food if you can eat enough.

This has involved some uncontrollable factors, because no one on the other end of the phone can control him. As long as he calls your friend, he is doomed to be exposed in the address book. With my years of experience, you can be like me.

1. When you know that you are overdue, you also know that you are unable to repay. Faced with the possibility of being collected, contact friends in the address book in advance and tell them that no matter who sends a message, as long as it is about your name, don't answer it and don't meet.

(2) The dead mouse doesn't feel cold. Since it is completely overdue, it is necessary to face it bravely. Every time the other party calls, you should try to answer it, so as to avoid being notified by him to the third party address book.

You can tell your friends in the address book that as long as the other party calls and threatens yourself, you should choose to call the police, so as to shock the other party.

Summary: The arrears are overdue, which is a situation that no one wants to see, but there are many hardships to experience in life, and life will inevitably be bumpy. Just bite the bullet and it will pass. It's no big deal. You can start over without confirmation.