First, the common sense of kidney bean lending.
Generally, this kind of loan will trick customers into signing relevant contracts under the guise of low interest rate. The language of individual terms is unknown, so I don't want customers to know too much. So either choose another company, or choose to specify the contract content, or the customer can be sure that the fixed working capital can be repaid every month.
Second, how to deal with the endless address book harassment of borrowing companies?
When harassed by relevant illegal companies, they can choose to take legal procedures to violate citizens' honor rights. You can ask them to apologize and leave them alone. Or choose to talk privately with the borrowing company, saying that only the part of the principal lent will be repaid, and refusing to return the interest negotiated at that time, because the company has seriously violated the reputation right of citizens.
Third, how to judge whether the borrowing company is legal?
Go to the relevant government departments to inquire about the company's registration information and find out whether it has been recognized and accepted by the relevant departments. If you have a business license, it is a legal borrowing company. On the other hand, if there is no relevant business license, you can report it.
To sum up, the overdue loan of kidney beans will be exposed in the address book, so when signing the relevant contract, you must read the contract terms carefully, not just whether to repay in installments, and what is the interest when repaying each installment, because although this is very important, it may contain some other types of terms that you cannot accept. If you need to find it in time, reject this clause, which indicates whether you can accept the result of not paying back due to unexpected events in the later period.