Under what circumstances does the online loan platform have no right to collect after borrowing mone

The word "collection" makes many borrowers frightened, in the face of crazy harassment by collectors, SMS bombardment, verbal threats, some borrowers have not paid the money, and the inner pressure is also very great. However, the new rules for online loan collection in 2019 have come out, and collectors can no longer collect violently from you unscrupulously.

The state has clear regulations that the annualized interest rate of more than 36% is usury and is not protected by law, and the collector who exceeds it cannot be collected. Therefore, after the borrower has repaid the interest within 36%, if the collector still harasses, threatens and threatens to ask for interest, you can directly go to the Mutual Finance Association** to report and complain, or directly report to the police to protect your rights and interests.

It is strictly forbidden to explode the borrower's address book, which is the most common collection method for collectors, and many borrowers can not bear its harassment, and relatives and friends will make the borrower more stressed after they know about it. Although the borrower is overdue, this does not mean that the collector can blow up their address book at will. The new regulations now expressly prohibit online lending platforms from harassing persons other than borrowers, and collectors are not allowed to frequently call and harass debtors and other persons, let alone disclose personal information such as debtors' debts, overdue and defaults to other persons other than debtors.

Coercing and inducing borrowers to take out loans to support loans, and borrowing to support loans is one of the usual methods used by collectors, which is mainly due to the fact that the borrower is still unable to repay after being collected many times, and some collectors will induceOr forcing borrowers to add new online loans to support loans, so that borrowers are stuck in the quagmire and cannot extricate themselves, this kind of behavior is resolutely eradicated! According to the law, a lending institution must hold a "Financial Institution Legal Person License" or "Financial Institution Business License" issued by the bank, and be approved and registered by the administrative department for industry and commerce. If the subject of the loan is an individual, the borrower shall be an enterprise or institution legal person, an individual partnership, an individual industrial and commercial household, or a natural person with full capacity for civil conduct who has the nationality of the People's Republic of China and has been approved and registered by the administrative authority for industry and commerce.

After borrowing money, if the borrowing company commits illegal behavior, it has no right to collect at this time.

I've borrowed a lot of online loans, all of which are cut off interest and the like! It's like borrowing 20,000 yuan in the square and actually getting it! The 3rd phase will be returned! I changed my phone number when I got the money! In the past, there was no real-name system for mobile phone numbers.

For online loans that are on the credit report after borrowing, you have passed the collection period, which means that there is already a stain on the credit report. The online lending platform has gone out of business

In fact, all online loan platforms have the right to collect, after all, if you borrow money from others, it is impossible to give it to you in vain.

These companies must be severely punished, I was deceived by the KOO wallet salesman to borrow, and I didn't see the contract to help sign the contract, and severely punish these **.

Dadi Insurance and Sunshine Insurance are all usury, violent collection, and explosive address books.

It stands to reason that the payment cannot be collected before the repayment date is reached, and the repayment can only be reminded.

If the required repayment date is not met, they cannot be dunning.

It must be that before the repayment date, they have no right to collect.

The repayment date has not yet arrived, and these situations are not allowed.

If the repayment date is not reached, the online loan platform has no right to collect.

Eliminate the modern Huang Shiren, and the society will be peaceful.

This kind of company shouldn't exist.

Big Financial Loan Shark, Sunshine Bank, Everbright Bank Loan Shark.

Are Money Stations and Micro Loans considered usury?

Ping An Puhui Ping An ** loan is all usury, and I am about to be driven crazy.

If you don't have money to buy anything you want to buy, you can borrow money directly from an online loan to buy it, not at all. Although violent collection is illegal and illegal, online lending platforms and collection personnel still use it. A week later, the principal and interest were repaid 1,000 yuan, and the weekly interest reached 25%.

Now collection is also more humane, and the collection process is legal.

You should work hard to make money and repay your money aggressively.

A long overdue period will have a great impact on your credit report.

Some people who are easy to talk about will ignore you in a few days depending on your situation, but finance is not a good thing to talk about immediately, I don't believe you will try it for a day after you are overdue, ** I will blow you up every once in a while.

Part of it is because the online lending industry has recently been regulated by the state, allowing standardized collection and not violent collection, and on the other hand, online lending platforms have been affected and have gone bankrupt.

Many people refuse to accept the collection of online loan platforms after their online loans are overdue**. It is not illegal to refuse to collect**, but refusing to collect** can have serious consequences.

First, the platform will increase collection efforts

After the online loan is overdue, the collection of the platform is refused**. The platform will keep calling ** or sending text messages to collect, and even call** to your family.

Second, the platform will come to collect it

If the collection has been for a long time, the borrower still does not repay the loan, or even loses contact. The platform will come to collect money, which will affect your daily life.

3. The platform files a lawsuit with the court

If the borrower still fails to repay the judgment after the court accepts the judgment, the court may enforce the judgment and even include the borrower in the list of dishonesty. The daily consumption of those on the dishonest list is restricted.

Online loan collection refers to the act of recovering the loan through a series of collection methods when the borrower fails to repay the loan on time or defaults. In the online lending industry, collection is a very important link to protect the rights and interests of lenders and maintain the stability of the financial market.

Online loan collection mainly includes the following methods:

2. Door-to-door collection: The collector will personally come to the door to communicate with the borrower face-to-face, urge him to repay, and solve the repayment problem.

3. Legal proceedings: If the borrower refuses to repay the loan or is unable to repay the loan, the lender can recover from the borrower through legal channels, including filing a lawsuit or applying for compulsory enforcement.

4. Outsourced collection: The lender can entrust the overdue debt to a professional collection agency for collection to improve the collection effect.

It should be noted that online loan collection must be carried out within the legal framework, and collectors must comply with relevant laws and regulations during the collection process, and cannot use violence, threats, harassment and other improper means.

In short, online loan collection is an important part of ensuring the order of the financial market and safeguarding the rights and interests of lenders, and overdue debts are recovered through collection, door-to-door collection, legal proceedings and outsourcing collection.

For those who are not very clear about their online mess and model loan big data, they can view their online loan big data information through "Changbai Data". This database works with more than 2,000 online lending platforms, so the data queried is very accurate.

Violent collection is against the law, and you can collect evidence and then report it to the police.

Legal analysis: The collection does not say the name of the platform, but only says that the online loan is owed because: 1. The collection method is illegal; 2. Low ethics in the industry.

Legal basis: Civil Code of the People's Republic of China

Article 667 A loan contract is a contract in which the borrower borrows money from the lender and returns the loan at maturity and pays interest.

Article 668: The loan contract shall be in written form, unless otherwise agreed upon between natural persons. The content of the loan contract generally includes the type of loan, the currency, the purpose, the amount, the interest rate, the term and the method of repayment.