How to deal with violent debt collection by loan sharks?

1. Install interception software. You can install software to intercept unknown calls on your mobile phone. There are many similar apps on the market, such as Tencent Mobile Manager, 360, etc., which can set up whitelists, blacklists, and different interception methods, such as intercepting non-address book calls. , unknown calls, suspected fraud, etc., it is helpful to intercept online loan collection calls.

2. Mobile phone native system. Both Android and Apple phones have harassment identification and interception functions. For example, Android phones can click "More" - Interception Harassment - Settings - Interception Rules on the dialing interface. You can add number blacklists, etc., and also intercept all strangers or all incoming calls, etc. , and can even block spam text messages. 1. Call the police. Many online loan platforms use software similar to "call you to death" when exposing their address books. Faced with this kind of behavior, borrowers can call the police to defend their rights and interests.

3. Complain to the operator. When we can't stand the harassment of debt collection calls, we can complain to the official authorities of China Mobile, China Unicom, and China Telecom and request the operators to freeze the debt collection phone number.

4. Download blocking software to directly block any strange calls. Only when you repay your loan on time and are not overdue can the online loan platform be restricted from calling your phone number. If you are overdue, you need to pay back the money in time. If you have insufficient funds, you can proactively contact the online loan platform to apply for an extension of repayment.

Note: When an online loan is overdue, the borrower must not hide from the online loan platform. The more they hide, the more likely the platform will call the phone number in the address book to collect debt.

Online lending is the abbreviation of online lending, including individual online lending and commercial online lending. Article 197 of the Contract Law stipulates that a loan contract shall be in writing, unless otherwise agreed on the loan between natural persons. The content of the loan contract includes terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

The consequences of overdue repayment of online loans: 1. Affecting the loan. 2. Affect travel. 3. Affect employment. 4. Affect family relationships. 5. Incur high penalty interest and liquidated damages. 6. Affect credit record. 7. Being collected in a fancy way. 8. Sued by financial institutions. 9. What should I do if I become a defaulter and am threatened with violent collection by an online loan platform?

You should repay the loan as soon as possible, so that there will be no collection troubles. If the debt is overdue or fails to repay after two reminders, the person concerned will be sued. First, after multiple reminders, if the party still fails to repay, a civil lawsuit will be filed in court. After trial by the People's Court, if the party concerned still fails to repay the loan, the case may be transferred to the public security organs for investigation and formally established as a criminal case. After investigation by the public security organs, the case will be sent to the procuratorate for prosecution in court. Legal basis: Article 667 of the "People's Republic of China and Civil Code" A loan contract is a contract in which the borrower borrows money from the lender and returns the loan and pays interest when due. Article 668 A loan contract shall be in written form, unless otherwise agreed upon for a loan between natural persons. The content of a loan contract generally includes terms such as loan type, currency, purpose, amount, interest rate, term and repayment method. How should I deal with the violent collection of online loans that are overdue?

What should I do if I receive a reminder text message after my online loan is overdue? It can be handled from the following aspects:

1. Pay off the debt as soon as possible

After the online loan is overdue, you must pay off the debt as soon as possible, because the interest on many online loans is It is relatively high. Once it is overdue, there may be high overdue fees. In addition, some online loan products require credit investigation or cooperation with Zhima Credit, and overdue loans will affect personal credit. Therefore, after the due date, those who are able to repay the loan should repay it as soon as possible to avoid affecting their personal credit or incurring high penalty interest.

2. Borrow money from relatives and friends

If you are unable to repay the loan after the due date, you can choose to borrow money from relatives and friends to solve your urgent need. After all, the cost of overdue online loans is higher than the cost of borrowing money from friends.

Collection of evidence

If online loans are overdue and violently collected or threatened, evidence must be collected and reported to the relevant departments when necessary.

Overdue online loans will also affect the user's Internet Black Index score, if the Internet Black Index score is too low. A low score on the Internet Hacking Index will not only affect the success rate of home loans, but also affect users’ Huabei and loan limits, and even cause Huabei and loans to be closed.

The impact of the online loan blacklist on individuals is that they are applying for new loans and it is difficult to be approved again. Although online loans are very convenient now, you must consume rationally, pay attention to repayments on time, and maintain your credit record. If you apply for online loans for a long time, you must pay attention to your online loan big data to prevent being blacklisted due to blind applications.

Just search for: Quick Card Test. Click Query, enter the information to query your Baihang credit data, and find this WeChat applet. The data comes from national online lending platforms and UnionPay. Users can query their own big data and credit status, obtain various indicator data, and inquire about personal credit status, blacklist status, online loan application records, application platform types, etc. , online loan credit line estimation and other important data information.

Compared with the central bank’s personal credit report, the scope of online loan big data is wider and the issuing institutions are more diverse. It is part of the personal credit record and is a useful supplement to the traditional personal credit report.