Can I go to 315 to file a complaint against an online loan company if my address book is exposed due to overdue debt?

Yes, but 315 cannot cure what online loan companies have done to borrowers, so even if you look for it, it is useless. In 2022, 13 issues were exposed at the 315 Party, but there were no reports on online loan collections.

However, at the previous 315 party, the official website had named nearly 20 "714" (online loans with a term of 7 or 14 days) platforms. After 315 named these platforms, online lending has indeed converged somewhat. Coupled with my country's further tightening of supervision of online small loans, many online lending platforms have been closed down in the past two years.

According to the current requirements of my country’s regulatory authorities, online lending platforms must obtain certain qualifications and meet certain conditions before they can carry out business normally. Therefore, ordinary small businesses cannot carry out online lending business at all.

Although the regulatory authorities have cracked down hard on online lending, some online lending platforms have continued to burn like wildfire in the past two years, and have been revived by the spring breeze. Although many online lending platforms currently cannot be downloaded through formal application markets, they promote them through various online lending platforms and then allow users to download apk.

And these online loan platforms are becoming more and more rampant. For some online loan platforms, once you click to apply and leave your bank card number, they will force you to make a payment. For example, some netizens just want to give it a try and can apply. However, these online loan platforms gave them thousands of dollars in loans. After seeing this money, many people thought it was given away by the online loan platform for free, and then spent it blindly. As a result, these online loan platforms will ask you to repay the money in the short term, such as after 7 or 14 days, if you cannot repay. The payment will face various collections.

The collection methods of these online loan platforms are annoying. In addition to using various software to make 24-hour phone calls, they also send you various text messages. In response to this kind of disturbance, many people can only avoid collection by turning off their phones or even canceling their numbers. But do you think that this can be avoided by canceling your number? It's too simple to think.

In fact, when users apply for a loan, the platform has quietly obtained the address book on your mobile phone. If you cannot repay on time, they will call the people in the address book one by one to inform them that you have borrowed the loan. Taking out a loan and even asking them to help you repay the money is a headache for many people. Many people want to complain about these collections, but they can't find a channel to complain. Currently, the most common complaints are through online 110 or to the relevant regulatory authorities.

However, because there are too many people complaining, it is impossible for the regulatory authorities to handle every one of them on time. More importantly, when these online loan platforms are promoted to the outside world, some of the information they use may It's all fake. For example, the business address is fake, the business license is obtained by stealing someone else's ID card, and even the bank card used to transfer money is borrowed from someone else. This practice is difficult to trace back to the real criminal suspect. This is also an important reason why some online loan platforms continue to appear in another way after being shut down.

So if you want to put an end to this kind of online lending platform, relying on simple complaints will not have much effect. As long as there is money to be made, these criminals will always find a way to deal with it. Therefore, in the face of such collection and illegal online loan platforms, everyone must choose to call the police in time. If more people call the police on a certain platform, I believe it will attract the attention of the Internet police, who may set up a special team. Go and investigate, and maybe we can catch these criminal suspects and ban the online lending platform.

In addition, for everyone, if you really want to avoid this kind of collection, the most effective way is not to touch these online loan platforms. You have two options.

The first option is to borrow money through formal channels.

In fact, there are many channels through which you can borrow money. As long as you have good credit, you can more or less obtain certain funds through formal platforms, such as credit cards, or through some formal online loan platforms. , these formal website platforms are all qualified. They dare not take collection measures against users casually, and users do not have to worry about being disturbed in various ways.

The second option is not to borrow money casually.

The most effective way to avoid being collected is not to borrow money. As long as you borrow money, whether it is a formal or informal institution, you will face various collections when it is overdue. It is just a means of collection. Just different.

So if you want to put an end to all kinds of debt collection, the most fundamental way is not to borrow money. When borrowing money, everyone must do what they can and borrow money according to their actual ability. Don’t borrow money just for the sake of borrowing money. And if you borrow money, otherwise you will be the one who suffers in the end.