Xiao Wang has been complaining that he borrowed an online loan before, but the online loan was overdue due to the break of funds, and the online loan was collected by the address book. Friends, relatives and colleagues around him are frequently harassed by phone calls every day, which seriously affects their daily lives. He wants to ask, is it illegal for online loans to explode the address book?

Generally, the online loan hangs up after a few rings, and no one answers the phone. Sometimes it ranges from a few to dozens a day, or even calls in the middle of the night.

Looking for the source according to the caller ID, I found that it was an Internet phone, but I couldn't find out where it was from and who it was. In fact, the borrower should know what the online lending institution has done, so there is no way.

1, reporting complaints

If it is found that the comprehensive procedure fee of online lending institutions exceeds 4 times of the national statutory interest rate, it belongs to the category of usury, and relevant evidence can be collected to complain to local banking regulatory bureaus, China Banking and Insurance Regulatory Commission, Poly Complaints, Internet Finance Association and other institutions. How to intercept the online loan explosion address book? It's useless to crack the bombing software!

How long can the online loan explosion address book last? If you live so long, you won't rush the harvest again.

Step 2 call the police

If the online lending institution is suspected of violent beating, detention, telephone harassment, threats, etc. It can choose to report the case to the public security organ. For this kind of collection by "calling you to death", there is a certain violation of the user's personal privacy.

At the same time, more seriously, frequent telephone harassment seriously interferes with the communication freedom of users, their families and friends. If normal life is affected by interference with freedom of communication, online lending companies may be suspected of violating the Law on Public Security Administration Punishment.

To sum up, the telephone bombing collection method of online loan explosion address book is illegal, which mainly violates the provisions of Article 42 of the Law on Public Security Administration Punishment. Anyone who repeatedly sends obscenity, insult, intimidation or other information to interfere with the normal life of others shall be detained for less than 5 days or fined for less than 500 yuan; If the circumstances are serious, they shall be detained for more than 5 days and less than 50 days, and may also be fined less than 500 yuan.