Orphans have been in arrears with loans, and online loan collection has actually found their biological parents! A joke?

I have been reading financial jokes these days, and I came across a particularly interesting one. Although it's been a little long, I still can't help but want to share it with you. It is said that he is an online loan customer. He bought a mobile phone in installments of 3000 yuan and never returned it. The collection staff of the online loan company found his biological parents, and I want to thank him. As for whether it is a joke or a true story, I don't want to delve into it, but the "power" of the collection sometimes really has to be sighed!

Nowadays, with the rapid development of internet finance, various microfinance companies and online lending companies have sprung up. However, the excessive prosperity of the industry is not restricted by a perfect system. Just like an extensive industry, it is violent, threatening and insulting.

The chaos of improper collection by means of humiliation, slander and harassment is endless. On the one hand, while enjoying the convenience brought by online loans, we hate the violent collection caused by online loans. "Yu Huan case" and "man's fake death and insurance fraud case" are vivid, and many people are very scared and embarrassed when they hear about online loans.

I also suggest that you touch online loans as little as possible, because as long as you enter your personal information, whether you make the next payment after you submit your application will be recorded in big data. Once the number of applications is too large, it will easily become online fraud, which will affect personal credit. Don't be afraid of trouble even if you need money badly. Check the online fraud risk index and credit report, choose a regular low-interest platform that suits you according to the big data obtained, and borrow the corresponding amount according to your repayment ability. Not touching online loans is the best way to avoid violent collection. Don't be afraid if you are already in it. Paying off debts is wrong, but violent collection is always illegal, so the reason is still on the borrower's side.

Give you some illegal acts of violent collection, please check them carefully.

Phone or SMS bombing

Violent collection can be said to be quite "concerned" about you. Every day, countless phone calls or text messages bombard you, and some even harass you in the middle of the night, causing great pressure on users.

There are regulations in our country that there should be no more than three collection calls a day, and the collection time can only be from 8 am to 9 pm.

For this kind of bombing, you can keep the audio recording and SMS screenshots and complain to the Internet Finance Association.

Explosive address book

Exploding the address book is a terrible way to collect money. The collector will harass the contacts in the borrower's mobile phone address book. Maybe it won't be long before most relatives, friends and colleagues know that you owe money.

This is a clear invasion of personal privacy. According to the law, this person can be detained for 3-7 days and fined.

unlawful detention

Some violent collection agencies will detain borrowers. According to the law, such detention is regarded as illegal detention. In this case, we must find a way to call the police.

Collect violence from house to house.

Using violence to beat borrowers or their families at home is a serious crime, not as simple as violent collection. If you encounter it, call the police quickly.

Pretending to be a lawyer or a court, sending a fake lawyer's letter, and court proceedings.

Many loan friends have received the so-called court notice of filing a lawsuit. In fact, this kind of behavior has already involved the suspicion of fraud. If the circumstances are serious, it will violate the crime of forging, altering, buying and selling official documents, certificates and seals of state organs as stipulated in the Criminal Law. In this case, after collecting the evidence, we will sue for rights protection.

Spreading debtor information without permission

The borrower's personal information, even the indecent photos and videos of PS, are privately spread on the Internet by the collection personnel, which is a violent collection, and this behavior has been illegal.

The appearance of Collection Convention has filled the blank of regulating the system of mutual debt collection. It is an important supplement to the Notice on Standardizing and Rectifying Cash Loan Business, and it is a specific standard and guide for collection.

1. Clearly regulate the means of illegal collection: it is stipulated in the convention that the collection personnel shall not beat, injure or illegally detain the debtor; Only when the debtor can't be contacted, the contact person agreed in advance can be contacted, and it is not allowed to harass irrelevant personnel, harass the debtor and other personnel through frequent telephone calls, and insult the debtor and his relatives and friends; Collection personnel should take the initiative to show relevant certificates and loan information when collecting on site, and record or video the whole process of on-site collection.

2. Do not induce debtors to borrow new loans to repay the old ones: The Convention clearly stipulates that collectors shall not induce or force debtors to raise funds to repay overdue debts through new loans or illegal means.

3. The interest exceeding 36% will not be charged: it is stipulated that the interest exceeding the relevant national laws will not be charged.

4. Standardize outsourcing collection: For outsourcing collection, if the outsourcing organization damages the legitimate rights and interests of the parties, employees should also "sit together".

In short, we must not let violent collection run rampant and resolutely resist it. We can repay the arrears within the scope of legitimate interests, and we can refuse to repay the excess! Don't be afraid of violence, you must choose the right way to protect yourself by law!