Legal analysis: It is illegal for consumers to call the company when applying for a loan, but they still call the company for collection. Illegal debt collection includes: 1, calling relatives or friends in the borrower's address book without the borrower's permission and harassing them many times;

2. Intimidate or threaten the borrower or relatives and family members of the address book by means of WeChat or SMS;

3. The borrower calls more than 3 times within one day after the deadline;

4. The borrower fails to make timely overdue collection;

5. Disclosure of personal information of the borrower;

6, to the borrower's home or work unit collection caused serious damage to personal reputation;

7. After overdue, the overdue fee is higher than the overdue interest rate stipulated by the bank;

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

9. Use illegal software SMS to bomb the borrower's mobile phone number;

10, posing as a staff member of the state law enforcement agency to intimidate borrowers, violently accepting money and other illegal acts.

Legal basis: Article 667 of the Civil Code is a loan contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 668 of the Civil Code provides that a loan contract shall be in written form, unless otherwise agreed between natural persons.

The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.