You can only complain. After confirming that you are contactable, the 360 ??IOU has exploded in your address book. You can call the Cyberspace Administration of China, the Communications Administration Bureau, and the China Banking and Insurance Regulatory Bureau to handle complaints. . If you want to sue them, unless you are particularly capable and have the means, then worry about it. They have been deceiving people for loans for many years and they are still living well. This is not something you can solve alone. , and finally I would like to say that the person who deceived you was not one of them, but as a result, you got interest on the loan. What you have to do now is how to prevent him from continuing to explode your address book within the rules. The rest, as for compensation and apology, etc., telling the truth is out of proportion to the worry required to get it.

Since I commented After this post, a lot of people invited me to answer questions related to 360 IOUs. These people who asked questions all had one thing in common. They immediately panicked when they heard that their address book was going to be exploded. Please be quiet for now. Do you want to be exposed at this point? The explosion is out of your control, so there's no point in panicking. Here I will add some of my own understanding.

First of all, let me state that my personal understanding is not authoritative.

The exposed address book is only one of the collection methods and is illegal (provided that you can be contacted personally, you can contact the emergency contact if you are not contactable). This is the responsibility of the collection company, just like the industrial chain. The next step in borrowing money is not legal. You can save evidence of the other party's violation through recordings, screenshots, etc., and report it to relevant institutions. For online loans, you can report it to the Internet Finance Association. For bank loans and credit cards, you can report it to the Bank Insurance Company. Complain to the Supervisory Board. (Let me tell you a joke. As long as you are good enough and procrastinate long enough, you will find that the debt collector has changed. Maybe the last debt collection company has become corrupt.)

The really terrible thing about overdue is the impact on your credit report, 360 IOU These, including Alipay, are all middlemen. In fact, you are borrowing money from the bank. Banks have a time tolerance for overdue payments. 1-3 days is absolutely fine and has no impact. (This is for people who really forget. Similarly, if the institutional platform you borrow money from will contact you within 3 days of being overdue. If it is, there is definitely something wrong with it), but if it is longer, you will have to communicate with customer service. Of course, we are not borrowing directly from the bank, but if it is with a third party, it may be difficult to communicate.