51 Credit Card is the largest online credit card management platform in China. He graduated from Tsinghua University and was once rated as an entrepreneur in 216. Not long after the listing of 51 credit card, what everyone didn't expect was that this seemingly unlimited Internet finance company was suddenly attacked by the police on the evening of October 21, 219. According to people familiar with the matter, this company is suspected of violating the law mainly because it employs outsourcing companies and pretends to be a state organ, and uses intimidation, violence and other means to collect debts from debtors.

according to many users' complaints, this company has various methods of dunning accounts. Not only will he use serial call to make the debtor pay off the loan, but what's more, he will automatically read the debtor's address book and make dunning for his relatives, friends and even his boss. Such behavior has caused a lot of people's dissatisfaction.

Sun Haitao, ceo of the company, has apologized on public social platforms. It is reported that the first step of peer-to-peer lending's debt collection is to send a short message to the borrower, informing the borrower of the loan amount and the repayment time. If the debt is not paid within the specified time, there will be a special person to collect the debt.

This storm has also reminded other lending companies that debt collection should be carried out under the premise of legality. Nowadays, the problem of reputation has become more and more serious in this society, and various lending platforms have also taken advantage of this to restrain borrowers. If borrowers fail to repay on the specified date and refuse to repay for various reasons, they will eventually be solved by legal weapons, and companies have the right to sue borrowers.