Since December 1, 2017, the Office of the Leading Group for the Special Rectification of Internet Financial Risks and the Special Rectification of P2P Online Loan Risks officially issued the "Notice on Regulating and Rectifying the "Cash Loan" Business", which has been nearly Four months later, violent collections prohibited by the state are still continuing. The author takes stock of the various methods of violent collection of online loans and provides corresponding suggestions to provide some reference for friends who are deeply involved in overdue online loans.

1. Threatens to expose address books or call records to harass relatives and friends

An online loan platform threatens customers to expose address books

Express Cash Man collects debts and threatens to expose address books

Tips:

First, ask the other party’s employer and name, and try your best to negotiate repayment. If negotiation fails and the other party insists on harassment, resolutely file a complaint (specific complaint channels will be introduced at the end of this article).

Second, send a well-intentioned reminder and explanation text message to your relatives and friends, telling you that you will deal with it as soon as possible and ignore it.

2. Threats of door-to-door collections

In practice, it is not uncommon to threaten door-to-door collections or even actually come to collect collections. For example, they would use paint to write "repayment" in large words on the borrower's door, hang banners at the borrower's residence, or even beat the borrower violently.

Paipai loan collection text message

China Tengxin collection text message

An online loan collection text message

CITIC credit card collection text message

Tips:

Whether it’s a credit card or an online loan, threatening to come to your home to collect debt is a tactic that exploits the mind. Door-to-door collection requires time and labor costs. Often the borrower and the online lending company are not in the same city, making it even more difficult. However, there is a possibility that if the amount is large and the borrower maliciously refuses to answer the phone, there is a possibility that collection agents will come to collect the money. Therefore, it is recommended that those who are overdue are as follows.

First, you must answer collection calls, especially credit card collection calls. Failure to answer them will be detrimental to you, and the other party will have more reason to assume that you are committing malicious fraud.

Second, if you receive a threatening call to collect debt, try to communicate and repay an appropriate amount first, even a small part.

Third, if you are faced with a door-to-door collection that threatens your personal safety, resolutely call the police. Stop the harassment and negotiate for repayment when the police show up.

3. Sending text messages or emails to threaten repayment on suspicion of loan fraud, contract fraud, etc.

Screenshots of prestigious school loan collection emails

Screenshots of prestigious school loan collection emails

Tips: The above is also a psychological trick. Under normal circumstances, as long as the borrower does not fill in a false address and phone number, or deliberately changes the phone number of his residence, etc., it will not constitute a crime of loan fraud. The so-called crime of loan fraud, contract fraud, etc. by online loan companies are all tricks to scare people.

For credit card fraud, the criteria for filing a case are: the overdraft principal is greater than 20,000 yuan, the amount has not been returned after more than three collections, and there is no repayment record in the past three months. Evaluate your own situation and see if you meet these three conditions.

4. Sending false lawyer letters, case filing notices, court summonses, etc.

Borrow money quick collection text messages

China Everbright Bank Credit Card Collection

< p>Tips: The quick borrower in the picture above only borrowed a small amount of 1,500 yuan, and it would not be enough to sue for legal fees. If a large-value credit card from a commercial bank is overdue and meets the conditions of malicious overdraft and credit card fraud, the People's Court will accept it because it is state property. Courts generally will not accept online loans. If loan sharking is suspected, the court will in turn hold the online loan platform accountable. So don’t be intimidated by paper tigers. However, in the long run, it is better to communicate rationally, negotiate repayment, and pay off as soon as possible.

5. Sending unsightly personal insulting messages

Unsightly collection text messages

Unsightly collection text messages

Unsightly text messages Collection text messages

Unsightly collection text messages

6. Threats to the personal safety of borrowers and their families

The WeChat chat records in the picture below show that Quark Financial’s loans Even though the borrower had already repaid the principal of 41,000 yuan, the debt collector still threatened to arrest the borrower's son, and even hacked the borrower's entire family to death to force the client to repay.

Tips: Keep evidence, take screenshots of text messages, record phone calls, and call the police resolutely. At the same time, make a complaint online or over the phone.

Screenshots of Quark Financial Collection Threat Chat

7. Extreme Methods: Nude Photo Collection, Illegal Detention of AIDS Patients, etc.

Female Students in News Reports Involved in Campus It is not uncommon for loans to be collected by debt collectors with nude photos. For debts due to loan sharks, debt collectors were locked up in a dark room for several days and could not come out unless they could think of a way to repay the money. In the end, there were also tragedies in which the borrower tried to jump off a building and died. AIDS personnel were hired to go to the borrower. Extreme cases of coercion into repayment at home or at work also exist.

Collection of Nude Photos for Campus Loans

Advice: Keep evidence, resolutely call the police, and never use violence to fight violence.

Complete violent debt collection complaint channels

1. China Internet Finance Association

You can follow the Internet Finance Association WeChat public account on WeChat to contact us - I want to report To make a complaint, you can also go to the official website to make a complaint/nifa/index.html.

2. Banking Regulatory Bureau

Call the local banking regulatory bureau to make a complaint. The contact information of each local banking regulatory bureau is different and can be found online.

The official website of the Banking Regulatory Bureau: /index.html.

3. Jucomplaint

Click to enter the official website or follow the Jucomplaint WeChat official account to view online loan complaints that are being processed.

Official website link: .com/.

4. Industrial and Commercial Department

National 12315 Internet Platform: /

WeChat Mini Program: 12315

Mobile APP: National 12315 Internet Platform .

The complaint hotline of the Industrial and Commercial Bureau where the respondent is located is: 023-12315.

5. 12321 Bad Network and Spam Reporting and Acceptance Center

If you encounter illegal text message harassment, you can report complaints to the 12321 Bad Network and Spam Reporting and Acceptance Center.

Report text message URL: /sms

Report harassment phone URL: /harass

Report SMS/phone bombing URL: /bomber

Report hotline: 010-12321.

"12321 Report Center", click "I want to report" or directly send text, voice, or screenshot reports.

Click "Report Bad Network Information" on the city service page of WeChat, QQ Mobile, and Alipay.

Promote legal debt collection and combat violent debt collection

According to the relevant regulations of the China Internet Finance Association, online loan platforms can file complaints if the following situations occur.

1. Making more than one harassing phone call to relatives and friends in the borrower’s address book without the borrower’s permission, and using illegal software to bombard the borrower’s mobile phone number with SMS calls;

2 , the borrower receives more than 3 collection calls per day after overdue;

3. The borrower’s collection calls after overdue are not within the time period of 8:00 am to 9:00 pm;

4. Exposing the borrower’s personal information (such as ID card, life photos, home address and other personal information);

5. Collection by threatening and intimidating the borrower;

< p>6. Going to the borrower's home or workplace to collect debt, causing serious damage to one's personal reputation;

7. Pretending to be a member of the national law enforcement agency to intimidate the borrower, violently collect debt, and other illegal activities;

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8. Use inducement methods to induce borrowers to borrow money from other platforms and repay the loans borrowed from this platform;

9. Use illegal software to bombard the borrower’s mobile phone number with text messages and phone calls;

10 , the overdue fee after overdue is higher than the overdue fee of Bank of China.

Final Conclusion

In preventing and resolving financial risks, the negative effects of violent debt collection cannot be ignored. I hope everyone can consume rationally and stay away from online loans. If you are unfortunately involved in online loans, please communicate rationally, work hard, and pay off the debt as soon as possible. If you encounter violent debt collection, please learn to use legal weapons to protect your legitimate rights and interests. For debt collectors, please also collect money legally and exercise rationality and restraint.