How to collect it is illegal.

The following 10 collection methods are illegal collection:

1. Without your permission, leak your personal address book and harass your relatives, friends and family with telephone records.

This situation is illegal at the legal level, and it is not allowed to harass others without my consent. In this case, the borrower should never submit to humiliation, and keep the phone recordings and screenshots of short messages to provide strong evidence for reporting and reporting.

2. Threaten family, friends and relatives through WeChat and SMS, and even insult and swear words. This kind of behavior is undoubtedly illegal. Don't be afraid to call the police directly.

Lending institutions will charge you three times or more every day.

4. The call time of telephone collection is before 8: 00 am or after 9: 00 pm.

The above two situations have seriously affected the daily life of borrowers, and borrowers often encounter them. Remember, you must keep the telephone recording, collect evidence of harassment, and provide evidence for future complaints or even responding to the lawsuit.

5. Expose your personal information on online platforms or other public areas without authorization.

If the collection personnel release personal information to the online platform without authorization, the borrower can _ they infringe on privacy and directly sue in the Internet court.

6. Go to your home or work unit for collection, resulting in personal reputation damage.

According to Article 246 of the Criminal Law, whoever publicly insults others by violence or other means or fabricates facts to slander others, if the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention, public surveillance or deprivation of political rights. So don't be afraid, the law will always be on the people's side. In this case, it is recommended to call the police directly.

7. After overdue, the overdue fee is higher than the interest rate stipulated by the state.

From a legal point of view, anything higher than the national legal interest rate (more than 36%) is not protected by law, and the annualized interest rates of many online lending platforms are undoubtedly much higher than this interest, so borrowers simply don't have to pay attention to the excess interest.

8. Induce you to borrow money from other platforms and rob Peter to pay Paul.

This kind of behavior is undoubtedly a snowball of our own debts, and we don't need to pay attention to this situation. We must always remember that overdue online loans are a pit, and overdue families are already a headache. We cannot let more online lending platforms flood our lives.

9. Bombing your personal mobile phone with illegal software messages has caused serious harassment to your life.

Software like calling you to death is very popular now. If the online loan company bombards the borrower's phone by calling you, it is better to change the number. After all, you owe money to others, and you can't stop others from calling.

10, posing as the relevant staff of the state law enforcement organs to carry out intimidation, violent collection and other illegal acts.

If the online loan company claims to belong to a court by similar means, or the lawyer of a firm threatens you, then we can ask them in turn, what is your job number, and do you know what the crime is to pretend to be a state official? I'll record it for you now, and you can say your position again. In this way, the other party will not pretend to be a state official again, because this is an illegal and criminal act in itself.

Finally, in case of violent collection, you should promptly complain and seek help. Don't repay the loan by loan for fear of violent collection, so you will only encounter more and more online loans.