Today we will conduct an in-depth analysis of two parts of violent collection of online loans (consumer finance). Violent collection of credit card online loans 1: (explosion of address book) collection officers will call your family, colleagues and friends to harass you: This is what we commonly call "exploded address book". If this happens, the person involved must not refuse to answer the call from the collector. What you should do at this time is to discuss the repayment with them and the specific repayment time. If the debt collectors continue to call your friends and family during the repayment period you negotiated, you can file a complaint with the China Banking Regulatory Commission at this time, because the China Banking Regulatory Commission has relatively strict requirements and supervision on cash loans, so this One trick is very effective for collection of cash business loans. (Save the recording of the negotiated repayment time for easy reference) 2: The collection officer says that you are suspected of financial fraud: Usually many collection officers will say this. First of all, you must understand that any loan you apply for is provided under a real name and no false information is provided. Identity information, all your information is your true information, so under this condition, it is not a fraud. At this time, you can emphasize to the collection staff: all the information filled in for my loan is true and does not constitute fraud. If you insist If you say I'm a fraud, you can sue me, but that's not an excuse to intimidate me. (It is worth reminding here: Failure to repay the money you owe is indeed not something to be proud of. Failure to repay the money you owe can be handled as a civil case, but the amount is not large, and the online loan company will not sue you. Even if they do sue, their chances of winning will not be great, and the cost and time will not be worth it, so don’t be frightened. If there is a court summons, you can check the authenticity, but if you do get the subpoena, you will still refuse. If you pay back the money, you will be put on the credit blacklist.) Three: The debt collector threatens you with "indecent photos", "collection visits", etc. This is definitely illegal, if such a thing happens. You can just call the police. As we all know, many debt collectors will threaten with "indecent photos", "door-to-door debt collection", etc. However, because of this, the public security organs also attach great importance to such similar things. , if someone really threatens you like this, you don’t have to do anything, just call the police. Violent collection of credit card types 1: Call your family, colleagues and friends to harass you. This is the same as the "explosion of address book" I mentioned above. The handling method is roughly the same. Be sure to answer the other party. Because as long as they can contact you, they are not allowed to harass anyone else. This is an express rule of the bank. If you answer their call, your family, friends or your company also receive similar calls. For harassment calls, you can call the bank directly to complain. This is very effective. 2: If you receive a lot of collection calls every day, and this happens, it’s usually because you don’t answer their calls, so as mentioned above, don’t use any reason to refuse to answer their calls. If you don’t If you answer, they will just keep calling you or others. At this time, you can give them a clear explanation and ask them to contact you at a fixed time every day. The rest of the time when it is not convenient for you to answer the phone, it is your working time. If they do not cooperate, you can call the bank to complain ( Save the communication recording). Three: Send letters in the name of a lawyer or court: When you receive a similar letter or text message, in this case the bank will basically give your debt to an outsourcing company, because these methods are all outsourced collection companies. Commonly used means and methods, at this time you must ask for two things from the outsourcing company: 1. What entrusting agency they are; 2. What is the name of their company? After you have these evidences, you can complain to the bank’s customer service .

(This is what was mentioned in the previous article: impersonating the Public Security Bureau and forging Public Security Law documents) Four: Suspected of credit card fraud: If your overdraft from a single bank (customer data between banks is not interoperable) is greater than 20,000 yuan , and after more than three collections from relevant regular bank personnel, there has been no repayment, and there is no repayment record for the past three months (you can repay a little amount appropriately, which means there is a repayment record). This standard is the standard for filing a credit card fraud case. , at this time you need to measure it yourself. (You can refer to Article 2 of Online Loan Collection) Liabilities parties should do the following three things to protect their legitimate rights and interests (the more you evade, the more illegal collection will be rampant) 1: Clearly tell the other party that the name of the company to which they belong must be displayed when calling. (For example: XXX Information Consulting Co., Ltd.), otherwise they will refuse to answer his harassing calls, because these are defined as fraudulent or harassing numbers. 2: Before the other party communicates personal information with you, ask the other party to tell you the full name of the company (not the name of the platform), personal employee number (usually made up by the collector), the real name of the collector, and the ID number of the collector. (Those who refuse will be defined as those who are insincere, dishonest, fake and deceitful) Three: Communicate within a set time range and allow them to call for communication, otherwise they will not be answered at other times. Be sure to tell the collection staff to upload the time information that can be communicated by phone, otherwise they will complain to the platform or bank customer service. (Save the recording, the platform or bank customer service will take the complaint seriously) If it is seriously overdue, but you are currently willing to repay and need to communicate, how can you turn passive into active? 1: In addition to the maximum annual interest of 24% protected by law, other No more interest will be given, and evidence must be kept for each repayment. (Prepare screenshots of the loan principal in advance, as well as screenshots of the repaid principal and interest) 2: Keep all evidence of illegal collection by the other party, including text messages, phone recordings, harassing calls to family members and friends, etc. In particular, they send messages pretending to be the national police or the court (Public Security Bureau), fabricating false information that the case has been filed, in order to intimidate the parties to repay the loan. (An important means of communication to repay the remaining principal) Three: Contact the illegal debt collector and tell him that all illegal debt collectors have obtained evidence. If there is further harassment, report the case immediately and call the China Banking Regulatory Commission. (an important means of communication to repay the remaining principal)