Received the opening notice of Shanghai financial online loan.

Legal analysis: Generally speaking, I will send you a lawyer's letter, and the court will sue you. What is more exaggerated is to report to the police station. In fact, let's not talk about whether the online lending platform is illegal. These collections are illegal in nature, and it is impossible to pick up legal weapons to collect them.

Legal Basis: Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases Article 2 When a lender files a lawsuit in a people's court, it shall provide creditor's rights certificates such as IOUs, receipts and IOUs, as well as other evidence that can prove the existence of the legal relationship between lending and borrowing.

If the creditor's rights certificate such as IOUs, receipts and IOUs held by the parties does not specify the creditor, and the party holding the creditor's rights certificate brings a private lending lawsuit, the people's court shall accept it. The defendant raised a factual defense against the plaintiff's creditor qualification. If the people's court considers that the plaintiff is not qualified as a creditor after trial, it shall rule to dismiss the prosecution.