It s sad that no one cares about all kinds of bombardment of online loans?

1. Timely repayment.

It's time to explode the address book.,If you can get the money, it's better to pay it back in time.,Negotiate with that side before.,Don't allow your relatives and friends to be harassed again.。

2. Apply for grace period.

If you don't have money to repay, you can negotiate with the platform with a good attitude, get a grace period, express your good willingness to repay, agree on a time, and ask to stop exploding the address book.

3. Alarm handling.

It was your fault that you didn't pay back the money, but the explosion of the address book has touched the legal boundaries, and you can seek help from the public security organs to protect your rights.

4. Complaints and reports.

In the face of violent collection by small loan companies, you can choose to report to the Industrial and Commercial Bureau or the 12321 Network Bad and Spam Information Reporting and Reception Center.

Online loan overdue will not only face a variety of collection harassment, in addition to affecting their own credit situation, you can get a credit report in real time on various public platforms, such as Dumas data, reflect well, correct in time, and avoid greater impact on personal credit. Finally, I would like to advise you that after making a legal loan, you must repay the loan as scheduled, so as not to have a bad impact on yourself and your family, and don't owe more and more, otherwise you will suffer the loss.

According to the feedback of some online loan users, some illegal small loans will collect on the debtor on the day of overdue, not only sending text messages and making ** frantically, but also exploding the address book to let their relatives and friends know their online loan arrears. These behaviors belong to "violent collection", and everyone must learn to collect evidence and take up the law to protect their rights and interests.

Most of the current online lending platforms have implemented the blacklist system internally, which is what we often call the big data system, although most of the online lending platforms in the market have not yet been connected to the central bank's credit information, but they also have access to the big data of online loans. If there is a stain on the big data of online loans, such as overdue or frequent loan application records, then the loan application is easy to be rejected. Therefore, it is recommended to try to conduct a credit test on WeChat-"Raindance Quick Check" to find out your online loan records, and then take the initiative to get in touch with the online loan institution, and both parties can formulate a reasonable repayment plan, and then find family members or friends to help pay off the fees as soon as possible and eliminate the negative records that are overdue.

In the financial market, there are some platforms that specialize in lending money through the Internet, which are called "online loan platforms". Because the formality of online loan platforms is not very high, some online loan platforms have windfall profits, such as bombarding borrowers. Some friends couldn't bear the pain of online loan bombardment, so they came to ask:

How do I solve the online loan bombardment? Here, I will introduce you to some coping strategies.

The online loan bombing should be solved in the following ways: return the arrears, call the police directly, pull the ** number, change the number, and counter-bombing. Here's how:

1. Return the arrears

For friends who are bombarded by online loans, it is the right way to repay the reasonable and legal loan principal and interest in a timely manner. Only by returning the arrears of online loans can we solve the fundamental problem of online loan bombardment. However, the illegal interest of usury does not need to be returned.

2. Call the police directly

According to the relevant regulations, it is illegal for online lending platforms to use devices such as "calling you to death" to bombard borrowers, their families and friends, and it is a violent collection. If you receive more than three online loan collections** per day, then you can call the police directly.

3. Pull the ** machine number

You can install 1-2 mobile phone number blocking software on your mobile phone, and then bombard our ** number for blocking. However, this approach can only serve a temporary purpose.

4. Change the number

If you can't stand the bombardment of online loans, then you can change your mobile phone number. In order to prevent online lending platforms from bombarding relatives and friends, you can also ask relatives and friends to change their numbers.

5. Anti-bombing

If you can't bear the online loan bombardment, then you can install an automatic dialing software on your mobile phone to counter-bombard the online loan collectors. However, this method should not be used for a long time, and it is enough to hit back at the collector once in a while.

The above are some ways to solve the online loan bombardment, which are generally more useful.

In the face of violent collection, it is recommended that you give priority to calling the police and please come forward to solve the problem.

It is illegal for online lending companies to bombard address books. If the borrower collects more than 3 items per day after the date of talcing, the borrower may report the illegal and irregular acts of the online lending platform to the China Internet Finance Reporting Information Platform in his personal name or on behalf of the Zaozai unit. You can use the smart interception function of the mobile phone to automatically intercept some unfamiliar numbers that are cautiously marked as harassment on other mobile phones.

[Legal basis].

Article 2 of the Provisions on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases When a lender files a lawsuit with the people's court, it shall provide proof of creditor's rights such as IOUs, receipts, and IOUs, as well as other evidence that can prove the existence of the legal relationship between the lender and the lender.

The prospects of the online loan industry in the past two years are far less than before, especially the harm caused by violent collection, and many borrowers are deeply involved. When some borrowers are suppressed and have nothing to love, the collector suddenly stops collecting debts at this time, does it mean that the borrower does not have to repay the money? I'll answer your questions now.

If the collector stops asking you for money and stops all collection methods, it is likely to be caused by these three reasons.

The bad debt rate is too high.

Every lending platform has a bad debt rate, what does it mean? It is the proportion of overdue orders in all orders, if the higher the bad debt, it means that the more people are overdue, and the greater the workload of collection.

The energy for collection is limited, and when there is not enough manpower and the bad debt rate is too high, the platform will not have time to take care of some overdue customers.

It was ordered to rectify by the regulatory authorities.

In recent years, there have been too many negative news about violent collection, although it is natural to repay debts, but violent collection is really not advisable, and the regulatory authorities have cracked down on this aspect very much, and if they find that there is a violent collection behavior, they will be severely punished.

The platform went out of business and "ran away".

Nowadays, banks have bad debts, and online loans will be no exception. After the money is given to the borrower, they must control the bad debt rate to a certain extent, otherwise there is a risk of bankruptcy.

Therefore, if the loan exceeds the red line of the platform, resulting in the platform not making profits, then they will go bankrupt and run away quickly, how can they be in the mood to collect debts?

However, because many online loans are now under the guise of your bad credit or overdue Zhengxiang Daxin to intimidate everyone. Even if they go bankrupt and run away, they have already uploaded the borrower's overdue situation to the central bank before that, and if the credit big data becomes worse, the bank will do record keeping!

However, no matter what the cessation is, it will not be a permanent stop, nor does it mean that it will not be collected in the future, even if all these loan companies go bankrupt, they will be entrusted to a special collection company to collect, and as a third-party collection company, they will try all kinds of ways to make the debtor repay the money.

It is natural to repay debts, and you can't be complacent and lucky because the collection has stopped, thinking that you don't have to repay the debt, which is simply impossible.

When necessary, we can apply for a credit card or credit line from a bank to relieve our temporary financial pressure, even if we are already in debt, we can repay it through our own efforts.

Try not to go to these so-called loan companies to make loans, because once you are overdue, it will not only affect you, but also your parents and other people around you, and the constant collection** will also affect the personal reputation of the debtor.

You can handle the mobile phone protection business, and it is best to change the mobile phone number.

Talk to your family, and then call the police. If it is a normal loan, please repay the loan as soon as possible, and if it is a loan shark, please go through the legal process to repay the loan.

Some precautions for online loans:

Note 1:

If you are a rookie in online loans, then first you need to prepare a real-name mobile phone and use it for at least 6 months.

Note 2:

If you are a rookie in online loans, then secondly, you need to apply for a ** JD account, bind your bank card, and have a period of purchase and consumption records.

Note 3:

Note 4:

If you are an online loan elite, then you only need to pay attention to which openings to release water and when, and prepare buckets.

Note 5:

If you are an elite online lender, then you need to know which openings correspond to which skills.

Note 6:

If you are an elite online loaner, then the last thing you need to pay attention to is the control of the details, that is, which details should be paid attention to, and often the reason why many people can't operate online loans is because of insufficient control of the details.

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