Is it true that Goose Bao asked for news from the address book three years later?

It's true, but whether to send a message to the address book depends on the situation.

In fact, the general collection is entrusted by the third party of the lending platform. Some third parties will not explode the address book, and some third parties will explode the address book. As for whether you will really contact the borrower's address book, it depends. For example, some people came into contact with the address book the day after the deadline, and some people did not come into contact with the address book for several years after the deadline.

However, online loans are basically overdue because they dare not. Now that supervision has been strengthened, they dare not collect it easily. The specific reason is also very simple. Online lending itself is illegal and compliant in many places, such as annualized interest rate, beheading interest, yin-yang contract, insurance premium, service fee, membership fee and a series of fancy businesses. So it can also be concluded that the platform will not sue you.

However, the online lending platform has become smarter recently. Instead of suing you, they started to take the road of arbitration. If you are arbitrated, your bank card will be frozen. So arbitration is quite troublesome.