Is the collection of Hongtai excellent products true?

It depends on whether there is a loan on it.

1. Is it legal to take over the company?

1. The business scope of debt collection companies is not legally recognized: currently registered "debt collection companies" generally handle subordinated debts in the name of credit reporting companies, which is a legal transfer of creditor's rights and is legal. Generally speaking, they are not called debt collection, but called "commercial account collection", and the person entrusted to help collect debts is the "commercial account collector".

2. Is it legal to entrust others to collect debts? Can others help themselves to collect debts with their own IOUs and power of attorney? In the field of civil law, the law is free and not prohibited. Although there is no creditor-debtor relationship between the trustee and the debtor, the trustee holds the creditor's power of attorney, which shows that the creditor's rights certificates such as "IOUs" held by him have legal sources. So it is not illegal to entrust others to help them collect debts in a legal way.

3. Are some clauses agreed in the entrustment contract valid? What is the validity of this clause? It is stipulated in the entrusted debt collection contract that "commercial accounts shall not be collected by compulsory means or other acts that violate laws and regulations, and if such acts occur, it has nothing to do with the client"? Lawyers believe that although there is such an agreement in the entrustment contract, it cannot completely get rid of the legal responsibility of "illegal debt collection causes damage to the debtor".

Second, is it legal for the third party to collect the company's outsourcing online loans?

1. The collection formula is also called debt collection company, which is not only used by private lending institutions, but also outsourced by many bank financial institutions to these companies, because their main job is to help financial companies deal with the corresponding overdue debts.

2. So it is legal for the third party to collect the company. Of course, the premise is that the collection method is not illegal. After all, their purpose is to recover overdue debts as soon as possible, and it is best to ensure full recovery instead of destroying people.

Not all bad debts and bad debts will be collected by the collection company. When signing a contract with a financial institution, it will be graded according to overdue time, overdue amount, overdue times and credit information. The more difficult the commission, the higher the commission, while the one that is just overdue and has a smaller amount is relatively easy to collect. The collection commission generally ranges from 5% to 50% of the collection amount, and some higher can reach 80%.

Driven by high profits, some illegal collection companies will use threats, insults and violent collection methods. Then, in this case, it may not be authorized by the online loan company. You can keep relevant evidence, directly contact the customer service of online lending institutions and negotiate with them to ask for a reasonable repayment plan. Otherwise, it may be better to complain to the CBRC and other departments. After all, online lending institutions are actually afraid of complaints now. Of course, it is best to repay as soon as possible.