In 219, 51 Credit Card was investigated by the police because its loan products were suspected of post-loan violence collection. It is understood that due to the above factors, the risk of default in P2P business of 51 Credit Card Company increased significantly in the fourth quarter of 219, and 51 people have stopped the new matching of P2P funds, which means that 51 people have completely stopped lending money and can only enter and leave!
due to the reduction of credit matching business, the net loss of 51 credit card last year was about 847 million yuan, nearly 85 million yuan! In addition, 51 Credit Card is also actively exploring, striving to apply for an Internet small loan license, and further completing the transformation of P2P business and the comprehensive retirement work! P2P platform under 51 credit card did have a lot of problems of violent collection and illegal lending before, and complaints about this platform were often seen on the complaint platform. Violent collection is actually a common phenomenon in the Internet finance industry, and there is a long way to go to put an end to violent collection!
1. When the debt becomes overdue, the first link we will face will be the creditor's collection. Collection is generally divided into two types: one is normal collection; The other is violent collection. For normal collection, most of us can bear it, because the normal collection personnel are the creditor's own customer service. Their language is very kind, that is, telling you to repay as soon as possible. After repeated collection by the creditor's own customer service, the creditor will ask a professional third-party collection company to urge us to repay. This time is the most prone to violent collection.
2. Violent collection generally refers to collection by violent means, such as intimidation, harassment, threat, abuse and inducement.
3. violent collection methods: the first type: frequent phone harassment, calling you all day to urge you to repay, and calling you back in the early hours of the morning, so that you can't have a good rest. The second type: bursting the address book, by constantly calling your family, friends and colleagues at work, to put pressure on you and let you repay. The third type: constantly threatening to send text messages saying that you have committed fraud, and there will be public security and economic investigation to arrest you immediately. The fourth type: hand over your information to the village office where you are registered, and you will find the village head and village director of your village to take photos and collect evidence at your home to investigate the family's economic situation.
4. Fifth: directly insult you and make personal attacks. Sixth, the relevant personnel investigate whether the assets under their names are in line with the suspected malicious overdraft. Once they are confirmed to be true, they will not be given out-of-court mediation, and they will be convicted according to the final judgment. Seventh, they will call you to induce you and guide you to criminal responsibility. If you are not careful, you will be recruited. Eighth: go to your residence to collect money and force you to sign an unequal contract. Ninth: make fake lawyer's letter and fake court summons and mail them to you or your family. Tenth: pretending to be a member of a state organ, so that you can go to the police station to take a statement. These are the ten most common forms of violent collection, and of course there are far more than that. The purpose of violent collection is to put all kinds of pressure on you, make your heart collapse, and then repay.