If you owe an online loan and are maliciously insulted by the staff of the online loan, such behavior has seriously violated your basic rights. You can keep valid evidence and report it to the relevant departments.

1. Gitzo is not a formal loan platform.

I looked up the company Gitzo on the Internet and found that there were many negative news about Gitzo on the Internet. Some information is about high interest rates, and some information is about collectors. Generally speaking, Gitzo is not a formal loan company. You can understand Gitzo as a microfinance company, which is what we often call online lending. The collection of online loans is generally informal, and they will put pressure on borrowers in various ways to urge borrowers to repay.

Second, you should keep valid evidence that you have been insulted.

If you encounter bad collection, you should keep the telephone recording or text message as soon as possible to verify the identity of the other party. If you have made it clear that the staff of the other party are employees, you can get this information directly and report it to the industrial and commercial department, indicating that you have encountered malicious collection. If the other party has threatened your personal safety, you can directly report to the police station with relevant information and seek police help. In a word, although the borrower's overdue is the fault of the borrower, the money was collected by the collector through illegal means.

Third, there is no need to repay additional usury.

I don't know how much money you always borrow, so I don't know how much interest you need to pay back. Judging from the 45,000 pounds mentioned by Yuan You, the loan you borrowed should not be low. I can give you a data. At present, as long as the annualized comprehensive interest exceeds 36%, this product can be defined as usury, and the usury part does not need to be repaid and is not protected by law. You can comprehensively calculate the annualized interest of the debt you borrowed, and you only need to repay the normal principal and interest.