Legal analysis: Forcibly paying money and charging high interest and "service fee" within a few days is not in compliance with the law. There is no interest and no service charge. Ok, this is a black online loan. Black online loans automatically obtain the address book in the mobile phone without knowing it. If they don't double the repayment within a few days, they will violently collect money and blow up the address book. If they repay in their way, it will lead to another payment or continue to extort high interest. In case of black online loan collection, it is best to seek legal assistance from a lawyer as soon as possible. Be sure to stay calm, don't be scared by the other party, and seek legal aid in time. If you encounter violent collection, you need to keep good chat records, telephone recordings, etc. We can teach you how to handle it correctly. Black online loans are generally privately transferred and forced to pay. I can't contact the other party after payment, and I will come back after the expiration to urge repayment. We have the right way to pay back only the principal.

Legal basis: Article 22 of the Measures for Banning Illegal Financial Institutions and Illegal Financial Business Activities. Those who set up illegal financial institutions or engage in illegal financial business activities, which constitute a crime, shall be investigated for criminal responsibility according to law. "

Judging from the revision process of Article 225 of the Criminal Law of People's Republic of China (PRC) and the standards for filing a case for prosecution by the Supreme People's Procuratorate and the Ministry of Public Security, the situation of "engaging in illegal financial business activities" is not included, and this treatment is combined with negligence or omission. The amendment to the Criminal Law adds a third item, "engaging in securities, futures or insurance business illegally without the approval of the relevant state authorities", including securities, futures, insurance and other businesses, but excluding financial business.