If you have been collected by an online loan and are intimidated and want to report it, you will rep

Attention everyone, if the online lending platform.

The following situations are illegal and can be complained about:

1. Without the permission of the borrower, call relatives or friends** in the borrower's address book and harass them many times.

3. The borrower collects more than 3 ** per day after the borrower is overdue;

4. The borrower's collection call is not in the time period of 8:00 a.m. to 9:00 p.m. after the borrower is overdue;

5. Personal information of the borrower;

6. Going to the borrower's home or work unit to collect the collection, resulting in serious damage to the personal reputation;

7. The overdue fee is higher than that of the People's Bank of China.

stipulate the overdue interest rate;

8. Induce the borrower to borrow money from other platforms and repay the loan from this platform;

9. Using illegal software SMS** to bombard the borrower's mobile phone number;

10. Pretending to be a staff member of a national law enforcement agency to intimidate, violently collect money and other violations of laws and regulations.

If you encounter the above situations, don't panic, when it comes to these complaints in the online lending industry, you can complain and report to the [Internet Finance Association of China].

In life, many friends have been infringed by network bandwidth, if you accidentally encounter an informal online loan platform, then the high loan interest may make the borrower unable to pay off the arrears, and once overdue, the borrower may suffer from violent collection, violent collection is the most hated behavior of many borrowers, so if this situation is encountered, how should the borrower report it?

With the increase in people's demand for online loans, there are also many online lending institutions on the market, among which there are inevitably some informal platforms, the loan interest of these platforms is very high, and it is also accompanied by many other expenses, which makes many friends with financial needs become the object of continuous "blood sucking" of online loan platforms, many borrowers see this, so they begin to refuse to repay, but these online loan platforms usually will not easily let go of borrowers, and the platform will take a series of collection methods for borrowers. For example, the explosion of the address book, etc., these violent collection methods have had a very bad impact on the borrower's life.

With the continuous supervision of online lending platforms by the state, the state has also made clear prohibition requirements for violent collection, and if we encounter violent collection, then we can complain through the following channels:

1. Call the police. If serious violent collection is involved, the most direct way is to call the police, because violent collection has caused a serious impact on the borrower's life, so you can directly apply to the local public security bureau to file a case, and it is recommended to keep relevant evidence, such as chat records, audio and video recordings, etc.

2. China Banking Regulatory Commission. The CBRC plays a regulatory role in China's financial industry, if the borrower accidentally applies for an informal online loan, and encounters violent collection, then he can directly complain to the CBRC, the borrower can call the CBRC's customer service ** to complain, or through the CBRC official ** message complaints.

Network Abuse and Spam Report Reception Center. 12321 is a platform specializing in accepting harassment**, spam SMS, fraud** and other reporting business, the most common collection method of some informal online loan platforms is to explode the address book, if the borrower encounters **harassment, then you can complain through this platform.

It is recommended that when applying for an online loan, you should choose some well-known platforms as much as possible, such as Alipay borrowing, money to spend, etc., and the borrower must learn to screen the qualifications of the lending institution, so as not to borrow non-compliant online loans and cause trouble for yourself.

This is provided by Kangbo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. Hope this helps.

Is it okay to report on Internet finance in China?

Online loan collection may retain relevant evidence, and if conditions permit, audio and video recordings may be provided, and the police may be reported directly to the police, or reported to the China Banking and Insurance Regulatory Commission and the Internet Finance Association.

1. China Banking and Insurance Regulatory Commission: The main responsibility of the China Banking and Insurance Regulatory Commission is to supervise and manage the banking and insurance industries in accordance with laws and regulations.

2. Internet Finance Association: This association is a state-level self-regulatory organization in the Internet finance industry established by the People's Bank of China in conjunction with relevant national ministries and commissions such as the China Banking Regulatory Commission, the China Securities Regulatory Commission, and the Insurance Regulatory Commission. In the event of illegal collection of online loans, you can file a complaint through the complaint platform on the official website of the Internet Finance Association.

Network Abuse and Spam Report Reception Center. Now 12321 is more perfect, you can report at any time on the official website**app, this platform mainly accepts fraud**, harassment**, spam SMS and other reporting business, encountering **harassment through this platform complaint is the most effective.

5. Gather complaints. This is the largest complaint platform in the private sector, and it has a certain binding force on the platform with formal qualifications to register companies, while the role of 714 artillery and routine loans is not large, but everyone can still actively complain, maybe it can be of some use.

Extended information: 1. At present, the loan platform is classified as managed by the CBRC, and the online loan platform is also the most afraid of the CBRC. The Innovation Department of the CBRC is mainly responsible for managing the web-based lending platform and handling complaints about online lending. If there is damage to the bank's interests in the online loan, you can call the CBRC to complain** to protect your rights and interests, and the CBRC complaint ** can be found on the official **.

2. ** The bank has issued guidelines to promote the healthy development of Internet finance, which clearly stipulates that the CBRC will supervise and manage the online loan platform. The CBRC is known as the China Banking Regulatory Commission and was established on April 25, 2003. It is to maintain the legal and stable operation of the banking industry.

Banking regulation is the best component of financial regulation. There are four levels of organization in our country. There are 36 banking regulatory bureaus in 31 provincial capitals across the country, and 5 planned cities, including Xiamen, Qingdao, Shenzhen, Dalian and Ningbo, covering a wide area.

Violent collection goes to the following places to file a complaint, as follows:

1. Public Security Bureau. This is the most direct place where the borrower can complain, because many violent collection behaviors have formed a very serious harassment of the borrower's life, so the borrower can go to the police station to apply for a case to be handled, so as to avoid continuing to suffer from violent collection;

2. Courts. The state has strict laws and regulations on online loans, and many violent collection behaviors are also prohibited by law, so in this case, many friends can go to the court to sue these collectors when they are subjected to violent collection, which can well protect their legitimate rights and interests;

3. China Banking Regulatory Commission. The state has a very strict management system for the financial industry, and the CBRC is the department that directly plays a regulatory role in the financial industry.

Legal basis；Article 35 of the Commercial Bank Law of the People's Republic of China.

In the case of commercial bank loans, the borrower's purpose of borrowing, ability to repay, and method of repayment shall be strictly examined. Commercial banks shall implement a system of separating examination and lending from examination and approval and grading of loans.

The methods of complaining about violent collection are as follows:

1. If you complain about violent collection, you can call the official **, and the relevant collection will be deducted at least 200;

2. To complain about violent collection, you can check the contributing bank in the loan agreement and call the CBIRC 12378 to complain about the bank;

3. To complain about violent collection, you can call the mayor **12345 or the consumer **12315 to complain, and you need to provide a specific Ping An Puhui address;

4. You can complain about the harassment of mobile phones or landlines through 12321** or **, and stop the harassment**;

6. You can call the local **patrol group** to complain;

7. You can call 110 to call the police to complain about violence and filial piety, and you need to submit evidence before you can file a case;

8. Complaints and violent collection can be carried out through the China Internet Finance Reporting Information Platform, Ju Complaints, Black Cat Complaints, etc.

Amendment (11) to the Criminal Law of the People's Republic of China

Article 293.

In any of the following circumstances, the collection of illegal debts arising from usurious lending, and the circumstances are serious, is to be sentenced to up to three years imprisonment, short-term detention or controlled release, and/or a fine:

1) The use of violence or coercion;

2) Restricting or invading the physical freedom of others, or invading others' homes;

3) Intimidating, stalking, or harassing others.

In general, it is to call the police and provide relevant evidence to prove it.

What should I do if my online loan is overdue and has been violently collected?

Harassing you is secondary, the address book was exploded, all kinds of people who harass the address book are the focus, don't mess around yourself if you can't operate the online loan, you can't afford to pay back the money.

There is no other way but to repay the money, and I am also suffering from it now, and I almost broke up my wife. Seriously, if I don't have a family, I won't pay him a cent if he collects debts like this.

The best way to solve it is to directly pull into the blacklist, or complain.

Don't touch the online loan, otherwise you will be pitted by all kinds of pits, hurry up and find a way to repay the money, otherwise the profits, all kinds of harassment ** and text messages, not only affect yourself, but also affect relatives and friends! Good morning birth!

There is no other way, pay back the money as soon as possible, and don't touch the online loan again after paying it off, the interest is too strong.

If you don't touch it, there will never be all kinds of harassment, but some regular platforms will not have all kinds of harassment.

Don't touch these things, don't borrow money, or pay them off when you're done.

There's a way