How did the collection company explode your address book?

I have a different opinion. Whether the address book will explode or not has nothing to do with whether I answer the phone or not. First of all, the way they got your address book was when you applied for a loan, and it should have been backed up by then. It is not excluded that some platforms were not backed up at that time, and borrowers had no time to back up after the deadline, and some, but most of them had got our address book in advance. My platform is good, such as installment, loan, 5 1 provident fund, loan, new orange excellent products and so on. I answered every phone call at first, but after half a month, I really couldn't stand it. The same words, the same threats and the same questions make me angry again. Later, I set up interception and stopped answering. Two days ago, loans overdue, two days later, the address book exploded. I made him an emergency contact. I said I didn't borrow money. You have been cheated. I knew when you hung up. This must be a loan. What a shame. The Covenant of Yin and Yang broke out, and no one told me about it except this person, because I greeted my relatives in advance, and people I didn't know wouldn't care about these collections. I just think they are liars. I am now.

The four pits I left when I borrowed the APP are convenient for collecting your address book.

1, the first pit: I believe that when you download an APP, when you use it for the first time, most of them will pop up "user agreement and privacy policy tips", which include: the right to read the location, the right to use the microphone, the right to access the address book and mobile phone photo album, the right to access downloaded information, the right to access the camera, the right to read short messages and many other privacy rights.

If you don't click the "Agree and Continue" button, the application can't enter. So you have to click "agree".

As everyone knows, while accessing these, the personal loan app will automatically store personal privacy information such as the registered user's address book, photo album photos, and SMS content, and the app has been backed up.

In addition, if you have many related loan apps on your mobile phone, it will be difficult to read that you have multiple loans, and it will be difficult for you to borrow newly downloaded apps.

2. The second pit: When the APP has been placed in the mobile phone, it has been reading your address book directly in the background.

You add a contact, you re-record a contact, and so on. , your update is equivalent to its synchronous update.

Too many privacy rights of the APP in the mobile phone are read, which is allowed by default. Only when you manually look for the APP in the phone settings and set the permissions of "Privacy-related" and "Multimedia-related" to "No Access" and "No Access" can you not be read continuously.

3. The third pit: Every time you open the APP, it sometimes asks if you read the relevant information, sometimes it doesn't ask, and sometimes you are not allowed to enter the APP and exit directly.

At this time, whether you ask or not, it has updated your personal information, including the address book.

4. the fourth pit: when APP applies for a loan, it needs to enter the service password to authenticate the mobile phone number. This process reads the information of the mobile phone operator, and also backs up all your call records and contact information for you. As long as you are overdue, I won't worry about missing you.

It is believed that with the implementation of the new collection regulations in March 1 202 1, the collection personnel will not dare to use violence, coercion, intimidation, stalking or harassing others.

Bad collection methods such as address book explosion and door-to-door harassment will face criminal law service.

We will wait and see.

The only thing we have to do now is to make money hard and try to pay off our debts as soon as possible.

The situation of collecting the company's address book is basically that people who borrow online loans and don't return them will be exposed in the address book. Under normal circumstances, the arrears of normal banks will only call the contact information you left in the bank, except for some collection companies that do not meet the bank regulations.

How did the collection company get the address book?

Maybe many people don't understand how their address book can be obtained by the collection company. One source is that when applying for a loan, you will be asked to log in to the online business hall with your mobile phone number for authentication. At best, it is certification. In fact, they directly log in to the online lobby with the verification code you entered, and then download and save your phone call records for nearly half a year. This is the source of their address book.

Of course, some of them have bribed sales staff such as mobile telecom to get your recent call list directly through the background, which is why some people say that this friend only met them this month and they all know the number.

Call the company back, either the number is empty or the line is busy.

Some of these collection companies use Internet phones to make calls. These numbers are all fake numbers, which are only a few, but more often, collection companies apply to telecom, mobile and other companies for a power line, and then continuously purchase the number of 10-20 and use computer software to make calls. They set it not to answer calls, so you can't call back at all.

Besides the contact information of the person who owes money, this outgoing call also directly imports the contact information in your address book, and then calls one by one.

They don't need to enter the number manually at all, but set the frequency of dialing a certain number directly, which is the system that calls you to death.

Therefore, to avoid being called in by these collection calls, it is necessary for the whole people to act together. As long as there are collection calls coming and going, it is necessary to mark them well, so that the more people improve their standards, the more effective this kind of interception software can be, and the unnecessary calls of many people can be reduced.

There are many kinds of emergency contacts, 1, which you left by borrowing money. Your phone records. Compare your call duration with the number of people who have called more in the past 1-3 months. That's basically it. If he dares to reveal your address book, you can kill him. There's nothing people can do if you don't say you won't pay back the money. You're a little stressed. Play Tai Chi with him. If the single amount does not exceed 50,000 or 20,000 or 30,000, people can't sue you at all. You are cheap, and you can't help it if you spend a few tens of dollars a month. But I still want to return it. If it is overdue for a long time, I will sit down and negotiate with you to repay the principal. Those late fees and late fees are not needed, as long as you don't care about credit reporting. Too much debt can't be paid for the time being, so it's better to leave the credit investigation alone. At least you have to ensure that you survive first. Don't even think about personalized staging or anything. If the work is unstable, it will be for nothing. Especially if the personalized staging is still behind, people can sue you directly. There's nothing I can do.

For everyone's sake, the phone records and phone calls within half a year will be displayed before the payment, because the electronic contract is checked and agreed, and within 3 days after the deadline, it is usually SMS reminder or phone reminder, similar to customer service. But it will die after more than 3 or 4 days, depending on the collector. Most people don't get through the message records, and only a few people can't control their overdue days, never answer the phone or return the text messages. For collection, you have to try your best to contact the debtor himself. Of course, you learned about it through the address book. If you contact me, you won't be able to touch the address book unless you say no directly.

Call your software to death, and you can buy a counterattack yourself. Now the platform is open to individuals to take orders. Everyone wants to learn the phone number of the beater until it is not used. Then SMS bombed all kinds of registration verification codes and spent his credit information to see who was crying.

After the online loan is overdue, you will definitely face the problem of collection. Whether you answer the phone or not, they will burst your address book, because the case has not been in their hands for a long time, and the collection staff should exert maximum pressure on you to force you to repay! Many people are puzzled by how the collection company obtains the contact information of relatives, friends and colleagues, and whether it is suspected of illegal crimes. I tell you, they basically get your contact information through legal channels. I don't know if you have noticed that online lending platforms generally need the verification code of mobile phone service providers before signing online lending contracts. This verification code is used to obtain your call records. When the collection personnel apply for access to your phone records, the system will default to your own operation, so everything is logical.

What should I do if my address book is hacked? If your online loan is overdue and cannot be processed, your best way is to confess to your relatives, friends and colleagues and tell them that your online loan is overdue and cannot be processed for the time being. It will take some time to process, and there may be harassing calls added to the blacklist.

At the same time, my mobile phone is directly set up with do not disturb mode, which only answers calls from contacts. In this way, you can live a normal life and give yourself enough time to deal with debts due.

What collectors fear most is that they can't contact you, can't find out where your pressure point is and how to put pressure on you.

Let me clarify here that I'm not teaching you to break your promise, I just want to pay off my debts. Make sure I can lead a normal life, so that I can earn more money and get rid of debt.

The role of collectors is limited. If the debtor is able to handle the debt, do you still need to hurry? The bill collector is a person who walks on the edge of the law. Exploding the address book is a kind of violent collection. Collect relevant evidence in case of emergency!

The collection is mainly to obtain the address book through the permissions in the APP. If you don't want to be exposed, you can do this: before the loan, delete the phone numbers of acquaintances in the address book and empty all call records. Leave only some unfamiliar people in the address book, or add some numbers at will. Then all advertisements are promotions, and some phone numbers in other areas are blacklisted. The emergency contact person of the loan should also fill in an unfamiliar person, and you can write it casually. This can greatly reduce the explosion of the address book.

A few days ago, I received a strange phone call. A girl around me borrows money without changing the address book. Then she called me in her pajamas. If she doesn't pay me back, I will also be held accountable. I said, learn some legal knowledge before you fight. Then the man estimated that the negative pole was negative and began to scold me. Finally, I scolded him and the other party hung up, paralyzing these things that forced people to die.

I believe that people who have had relevant experience have their own feelings about how to explode the address book.

Let me talk about the explosion of the address book from another angle this time.

Finance, especially any credit institution, has an impulse to get all the information of customers. This primitive impulse makes them torture every customer: "You are not honest with me, don't you love me?" People who don't love me are not qualified to take my money. "

For financial institutions or online lending platforms, the contact information of customers has two main purposes, one is risk control, and the other is post-loan management (collection).

Information such as customer's mobile phone number, usage time, communication circle and communication behavior of various service numbers can all be effective means to assess customer risk, especially to identify fraudulent customers.

As for the collection, everyone basically has a personal feeling. If a fish drinks water, it knows itself well.

Collect and master the contact information of borrowers, including emergency contacts, address books, call records, call lists, etc. The contact information of borrowers in the hands of lenders and collectors can be divided into the following three categories according to the acquisition methods:

1. Emergency contact provided by the customer.

When customers apply for loans, many platforms will ask customers to provide emergency contacts. These contacts are provided by the borrowing customers on their own initiative, and they can authorize the platform to communicate when the customers can't contact or under other special circumstances.

2. Read the call records and address books stored in the mobile phone device through the authorization system authority.

Many loan apps need a lot of information rights, including device information, location information, call information, address book information and so on. Once the customer clicks agree, the loan APP will read and copy the relevant information and upload it to the server of the platform.

Call records can show who your nearest contacts are, the frequency of communication with these people, the specific call time, the call duration and so on. In the address book, it is likely to find the relationship between the contact and the borrower from the stored names.

The above system permissions, as long as the customer agrees to authorize, technically the loan APP can read and upload at any time. After authorization, the customers who read and upload are unaware of it.

3. Simulate the information such as the operator's phone bill crawled from the operator's website.

Operator authorization is almost the standard of previous online loans. If you want a loan, you will be asked to log in to the operator's website in the loan APP. Online lending platform, through its own development or third-party crawler, simulates customers logging into the operator's website to grab almost all available information and store it on its own server.

Key information includes recent detailed call records, mobile phone real-name authentication information, mobile phone package consumption information, online information and so on.

Based on this information, you can know who you talk to the most, so that you can accurately blow up your closest contacts when collecting address books.

Because the operator's website login needs the cooperation of the mobile phone verification code and the customer, generally speaking, the information of the operator is only authorized once when borrowing money, and the online loan cannot obtain the latest information at any time. However, there are some quota products, which may require or induce customers to authorize the update of operator information again through market means.

In addition, there is another contact method that is also obtained by crawling, that is, after the customer authorizes the simulated login, the crawler crawls the consignee information in the customer Taobao and Alipay, which probably includes the number and address of the contact person who is closely related to the customer.

The above information comes from the provision or authorization of the customer during the loan process, which seems to be legal and compliant, but in fact there is a criminal risk. Because of the importance and sensitivity of data, the online lending platform will let customers sign a "data collection and use agreement" at the beginning of registration.

There will be clear terms in it, listing the data sources, data application scenarios and uses that have been used or may be used in the future by each platform, so that customers can clearly authorize them. Tick the relevant agreement to indicate "irrevocable" authorization.

For example, there are many words, so there is no need to delve into them. Just feel it and skip it.

So because we authorized it in advance, and our borrowers checked or authorized it themselves, it seems that there will be no problem in using it. Actually, it is not.

According to Article 253 of China's Criminal Law, the crime of infringing citizens' personal information stipulates:

There are three main problems in the collection and use of sensitive information such as personal contacts by online lending platforms:

1, over-acquisition.

Because of the impulse mentioned at the beginning to get all the information of customers, the online lending platform has almost taken all the information of customers under the current technical conditions. As can be seen from the power of attorney given above, this kind of information acquisition is unrestricted.

2. Provision and transaction of data.

The third-party crawler service provider provides data to the online loan platform, and the online loan platform provides data to the third-party collection company. This process will involve the provision and sale of citizens' personal privacy data. There is a risk of "infringing citizens' personal information".

In 20 19, the Ministry of Public Security concentrated on rectifying big data risk control companies, many institutions were investigated, the responsible persons were detained, and the illegal income was confiscated.

3. Used for illegal purposes.

Violent collection, even routine loan, is an obvious illegal act, and the personal sensitive information provided by the online loan platform to the collection party becomes the basic information for implementing illegal acts such as violent collection.

In short, it is definitely illegal to collect and explode the address book, and it may even violate the criminal law.

When the borrower suffers related illegal infringement, he can collect evidence and report to the police directly.

Pay attention to the big fish saying debt, and update your answers every day.

Talk about debt problems, solutions, and the things behind the choice.