After the online loan is overdue, is it illegal for the collector to explode the address book?

It is illegal for the collection personnel to explode the debtor's address book after the online loan is overdue.

2065438+On March 28th, 2008, China Internet Finance Association issued the Self-discipline Convention on the Collection of Overdue Debt in Internet Finance (for Trial Implementation), which clearly stipulated (in part):

The object of debt collection shall meet the relevant requirements of laws and regulations, and shall not harass irrelevant personnel.

When the business organization can't get in touch with the debtor, in order to restore contact with the debtor, it can contact the contact person agreed by the debtor in advance.

The collection personnel shall not disclose the debtor's personal information such as liabilities, overdue and breach of contract. For persons other than the debtor, except as otherwise provided by laws and regulations.

The above three articles are aimed at the act of exploding the address book, so it is illegal to collect the contact information of others except the debtor himself and the preset emergency contact.

If the online loan is overdue, you can try this:

(1) Actively negotiate with the collection. Negotiation is skillful. First of all, you have to repeatedly show your willingness to repay, so that the other party can rest assured that you are not the kind of person who grabs "Lao Lai". But it is really unable to repay at present. After that, you need to give the other party a clear repayment schedule according to your real situation. In fact, as long as the online loan company determines that you have a positive willingness to repay, it will give you accommodation time.

(2) When repayment is made, it must be returned from one platform to another, and then from the next platform. If you choose each platform, it will be even less, especially those who borrow from multiple platforms. I am afraid that even the interest will not be paid, so you will never be able to pay off your debts.

(3) Do a good job of preventing the address book from being exploded. Exploding the address book is indeed a very malicious move, and there is no particularly good way at present. However, if you are worried that the other party will explode the address book, you can imitate the following template and give the relatives and friends of the address book a vaccination in advance:

In the face of the pressure exerted by the collector after the credit card and online loan are overdue, just ignore it. This is the most effective way to avoid mental injury caused by collectors. If you are indifferent to him, he can't hurt you. It is important to keep a good attitude after the expiration. Only in this way can we face the debt crisis with a peaceful attitude.

At present, most online lending institutions are not qualified to report the overdue records of users to the central bank for credit information, and can only publicize the overdue user information. Over time, big data on online lending credit information has been formed in the industry. Online loan big data can clearly reflect users' recent online loan applications, whether online loans are repaid on time, and whether identity information is in doubt. Search: Lan Bing data, you can see a large part of the data of online lending institutions, so the vast majority of online lending should be based on big data.

If you are blacklisted, there is a high probability that the online loan will be rejected. You need to know the reasons for your blacklist according to the report; The more records of online loan applications and institutional inquiries, the more big data, indicating that funds are tight recently, and online loan platforms can easily determine that you have no repayment ability and online loans are rejected.