How to block loan calls?

How can I intercept harassing calls for collection?

1. Install interception software. You can install software to intercept strange calls in your mobile phone. There are many similar apps on the market, such as Tencent Mobile Manager, 360, etc., which can be whitelisted and blacklisted, and the interception methods are also different, such as intercepting non-address book calls, unknown calls, and suspected fraud. , which helps to intercept online loan collection calls.

2. Mobile phone native system. Both Android and Apple phones have harassment identification and interception functions. For example, Android phones can click "More"-"Stop Harassment"-"Settings"-"Blocking Rules" on the dial-up interface, add a blacklist of numbers by themselves, block all strangers or all incoming calls, and even block spam messages. 1, call the police. Many online lending platforms will 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.

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

4. Download shielding software to directly block any strange phone calls. Only by paying back on time and not overdue can we limit the online lending platform from making phone calls on your communication. If it is overdue, you need to pay back the money in time. If the funds are insufficient, you can take the initiative to contact the online lending platform and apply for deferred repayment.

Note: When the online loan is overdue, the borrower must not hide from the online loan platform. The more he hides, the greater the possibility that the platform will get through the filing phone for collection.

Online lending is the abbreviation of online lending, including personal peer-to-peer lending and commercial peer-to-peer lending. Article 197 of the Contract Law stipulates that a loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of the loan contract include the loan type, currency, purpose, amount, interest rate, term and repayment method.

Consequences of overdue online loans: 1. Affect loans. 2. Affect travel. 3. Affect employment. 4. Affect family relationships. 5. Generate high penalty interest and liquidated damages. 6. Affect the credit record. 7. Become a fine collection. 8. Being sued by a financial institution. 9. Become an untrustworthy person.

How to intercept online loan collection calls? How to intercept excessive collection calls?

In recent years, the online lending industry has flourished, and hundreds of microfinance platforms have emerged every year. Once users are caught in the mud of online loans, it is difficult to get out. Because the interest rate of private loans is generally high, some informal lending institutions use the characteristics that borrowers are in urgent need of money to lend a lot. If the borrower can't afford it, he will face the bombing of the collection phone. So how to intercept the collection call of online loans? How to intercept excessive collection calls?

1, change your mobile phone, which is the most effective way. As long as you apply for a new phone card, you will never receive a collection call again. However, if it is a number that has been used for a long time, and many bank cards and accounts are bound, you need to reset it, which is more troublesome, and your relatives and friends have to notify them one by one.

2, mobile phone software housekeeper, there are many programs in the application market that specifically intercept harassing calls, such as 360 and Tencent. , you can add strange and reported phone numbers to the blacklist, and you can also set short message keywords to intercept short messages. This way avoids changing the number, but now the collection is carried out by VoIP, and the number changes at any time, which is difficult to intercept. This method is not accurate enough.

3. White list mode. By default, all calls are not answered except the address book. The advantage of this is that it can prevent collection calls. The disadvantage is that other calls cannot be answered, which may affect daily work and life.

In short, telephone collection is the most commonly used way for online lending institutions, because the cost is low, which can not only affect the daily life of borrowers, but also not violate the law. For borrowers, it is necessary to develop good consumption habits and avoid usury. Once they can't afford it, they should seek legal ways to solve the problem so as not to cause more serious consequences.

How to stop the loan from calling parents? There are these methods!

Nowadays, many young people are used to various loans to solve financial problems. After all, they are adults and want to solve most things by themselves, so they won't let their parents worry. Therefore, the loan is also a relatively private matter, and it is best not to let parents know. But some loans may be made to the borrower's parents. How to stop them?

First, avoid applying for informal loans.

The more informal the loan platform, the more active it is to obtain the borrower's personal information. Not only should the borrower's mobile phone address book, SMS and telephone number be authorized, but also the service password should be provided so that all the personal resources of the borrower can be known.

Due to the high interest cost of informal loans, overdue is very common. Once the borrower refuses to repay the loan, the lending institution will not agree to negotiate and will call your parents immediately.

Therefore, I suggest that you keep your eyes open before lending, and don't choose illegal lending platforms, otherwise the explosion of address books and telephone bombing will seriously affect your personal life.

Second, how to prevent loans from calling parents?

In addition to the above, don't choose illegal usury or conventional loan platforms to borrow money, try to choose bank financial institutions to borrow money, so as to avoid your relatives and friends being bombarded by loans.

In addition, mobile phones have blacklist and whitelist functions, which can help parents set interception functions, intercept strange numbers, fraudulent text messages and telephone calls, and some third-party management software, which has many functions and can intercept many harassing calls.

In short, first of all, you need to confess the relevant contents of the loan to your parents, and then avoid them being harassed by the collection. You can also collect evidence to report complaints against these violent collection agencies.