What should I do if the online loan collection explodes the address book

1. communicate with relatives and friends in advance and strive for initiative;

2. technology+"routines" to retain evidence;

3. Communicate and safeguard rights and strive for practical benefits.

1) "Breaking the Address Book" is an opportunity to express your feelings with your family and friends, let go of your burden and avoid getting deeper and deeper by yourself. You need to grasp it and face it positively. Therefore, the address book is basically untenable without sufficient funds to repay it. Communicate with family, friends and people you think are important as soon as possible, guide them to understand this matter, avoid excessive panic, and give suggestions for handling. At the same time, communicate frankly with your family as soon as possible, and it is possible to work together with your family to tide over the difficulties and completely solve the debt problem.

2) The "Explosive Address Book" is evidence that the platform violates laws and regulations, and can be used as a condition for negotiating with the platform and safeguarding its own economic interests. The act of "exploding the address book" may seriously violate the crime of insulting and infringing citizens' personal information in China's criminal law, and violent collection is the focus of the public security department at present, and online lending platforms and collectors are well aware of this. Once there is evidence of platform violence collection, you can safeguard your legitimate rights and interests by complaining to platform customer service, tripartite media and financial supervision departments. The most important thing is to safeguard our economic interests and realize the reduction and exemption of interest expenses.

3) Evidence that can prove platform violation includes:

Always remember who called your contact, especially the recording of illegal content such as threatening abuse, exaggerating facts and spreading false information.

Collect and pass your false information, insulting information, false court filing and other information, WeChat screenshots, etc. Once you communicate with your relatives and friends in advance and get ready, you will use materials such as recordings and screenshots to retain evidence during the collection process.

Effective evidence should prove that the other platform and personnel have violated the rules, and at the same time, there should be a chain of evidence to prove that the offenders belong to a certain platform. Therefore, when communicating with the platform, a certain "routine" is needed.

For example, the number of violent collection behavior dare not directly say which platform it is, you can change the number and ask the other platform; Or express the willingness to repay when communicating, ask for the repayment account number of the other company, and indirectly prove the other institution.