What should I do if I receive threat information from the loan platform?

It is not illegal for online lending platform to collect loans by phone or SMS in regular online lending and overdue behavior occurs. Formal loans should be linked to personal credit information. When applying for a loan, you should check the credit information. If overdue repayment occurs, it will have a negative impact on personal credit information. I suggest that you make loans according to your ability, repay on time, and maintain credit information.

1. What should I do if I receive the threat of online loan?

Debt collection itself is legal, but there can be no illegal means such as threats and violence.

An inexplicable threat

I have never borrowed any online loans, but I have inexplicably received threatening phone calls or text messages about online loans. Leave him alone at this point. But if it has seriously threatened your normal life, you can choose to call the police.

(2) Normal threat

If it's just some normal threats that don't pose a threat to your personal safety or make verbal personal attacks on you, then you'd better pay back the money as soon as possible.

(3) Illegal threats

If the threat to you has risen to the illegal stage, you must choose to call the police as soon as possible to avoid being hurt.

Second, what are the threats of online lending?

(1) collection process

Collection is generally divided into three stages:

1, the first stage, just a few days overdue, the platform customer service whispered a warm reminder, overdue, please repay on time;

2. In the second stage, if it is overdue for a long time, the platform customer service will give a serious warning, and the threat of overdue will face serious consequences;

3. In the third stage, after a long overdue period, the platform stopped trying to convince the other party and began to take practical actions.

(2) Threat method

There are many kinds of threats:

1, the platform pushes your arrears information to your relatives and friends, making you lose face in the circle of friends.

2. Use SMS and telephone collection, send threatening information to the borrower, call collection by telephone or use the circular calling system. "dunning" adopts a circulating dunning system, and dunning is repeated. "Call once a minute for a week." Annoyed the borrower and then had to pay it back.

3. Publish the party's ID card and communication information online in the name of Lao Lai.

4. Call the company for "violent collection", or call if you don't return it.

To sum up, the threat of online lending is varied. When we receive the threat of online loan, we should judge its nature according to its content, choose a reasonable way to deal with it, and resolutely don't use violence against violence or have unnecessary conflicts with irrational attitude. In order to avoid this threat, we should pay back the money as soon as possible after borrowing the online loan and let everything stop at the beginning.

Legal basis:

Article 680 of the Civil Code of People's Republic of China (PRC)

It is forbidden to lend at high interest rate, and the lending rate shall not violate the relevant provisions of the state.

If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest.

If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.