Is it illegal for online loans to send and receive insulting text messages? Teach you to do this to them!

With the continuous development of the online loan industry, there are more and more professional collection companies in the market. This is mainly because there are more overdue people, so online lending companies will entrust them to collect accounts. However, these methods of collecting companies will be extreme, such as sending insulting text messages in groups. Is it illegal for the collection company to use this method?

First, is it legal?

Illegal. Some collection companies still contact by telephone, mainly to remind, urge and negotiate. Some collectors' behaviors are still illegal, such as intimidation, abuse, putting up posters, throwing paint and illegal detention.

Reminder: In the process of collection, if the collection personnel disclose the debtor's loan information or other information to a third party at will, which is suspected of breaking the law, they can collect relevant evidence to make a complaint.

Second, how to protect your rights and interests?

Some collection companies will take extreme measures to maliciously collect debts, such as falsifying facts, sending SMS messages such as PS, insults, threats, intimidation and abuse to borrowers or family members, and even repackaging contact information to other institutions, which seriously involves breaking the law and infringing on reputation and privacy.

Suggestion: You can keep relevant evidence and bring a lawsuit to the court. There have been successful examples, with a loss of 60 thousand. The illegal online loan collection platform eventually caused reputation damage to the borrower by exposing the borrower's private information, pretending to be a judicial officer to intimidate, fabricating false information, etc., and was finally sentenced to one year in prison and fined 60,000 yuan.

It can be seen that although the state's laws on online loan collection are incomplete, it can still protect rights. I suggest you pay back as soon as possible and go ashore as soon as possible. Internet loans can't be contaminated casually, otherwise it will cause unnecessary trouble.