Interesting! Don't be afraid in the face of violent collection, it will put them in jail!

The rise and development of online lending platform has brought convenience to many people who need to borrow money, with zero threshold, low interest rate and micro-loan advertisements everywhere. At the same time, it also makes the cash loan industry chaotic, and many people are trapped in the whirlpool of online loans. They are bombarded by text messages, called for calls and harassed at home every day. What should I do if I encounter violent collection of online loans?

If you think you owe money and should be slaughtered, you are wrong! It is true that I owe money. If the collection touches the legal boundary, then I'm sorry, I'm afraid the wicked will complain first!

It is unreasonable to report in minutes if you encounter the following situations.

1, revealing private information

In order to force you to pay back the money, it's all his fault to expose photos, names and ID numbers.

2. There are too many collection calls

According to the relevant collection regulations, collecting phone messages more than three times a day is a constant intrusion. In addition, the time for telephone messages cannot be before 8: 00 am or after 9: 00 pm. If this rule is exceeded, it is not negotiable to report him.

The overdue fee is too high.

Many people are caught in the whirlpool of online loans because the money they owe snowballs and can't get out.

Some netizens reported that after deducting the service fee and operation fee, they only received 425 yuan for the loan to 500 yuan on the platform of "salary loan", and the loan should be paid back at maturity. I calculated it carefully, and the daily interest rate is annualized, and the interest rate is as high as god! Ten times more than the stipulated 36%!

4, posing as law enforcement agencies

I believe that many people who have been accepted have received phone messages from the so-called law enforcement departments. In fact, owing money does not involve criminal law, and there will be no police uncle to invite you to tea. If you report this situation, he will be in big trouble.

5. Induce the encroachment of the East and the supplement of the West.

I often give you some bad ideas in order to pass on the risks of my own platform. Don't believe in his evil! Robbing Peter to pay Paul will only make you owe more and more, and it will do no good at all.

If you encounter violent collection, how to respond domineering?

1, keep violence evidence.

Such as text messages, telephone bombing, threats, etc. Leave a screenshot, record the phone call, and leave enough evidence to complain to the Internet Finance Association, so that he can also taste the bitter fruit.

Step 2 call the police to protect yourself

In case of door-to-door collection, as long as he acts excessively, he will call the police and accuse him of breaking into the house illegally. At this time, no matter how much money you owe, it is important to save your life. The police uncle will help you first.

3. Refuse to support loans with loans.

Resolutely say no to supporting loans with loans, which will only make you owe more and more, and it will become more and more difficult to get out of this whirlpool, and it must be stopped immediately.

4. Check the credit discussion.

There are many online lending platforms, some of which are on credit and some are not. If you don't owe money to only one family, try to pay back the credit card first, or others can negotiate first and pay less late fees, because it is not bad to get back some costs compared with not paying back at all.

Violent collection is something we should strongly resist, but the solution is only to treat the symptoms rather than the root cause. If we want to solve the problem fundamentally, we must repay on time and avoid overdue.