Make a formal call. The borrower can take the initiative to call back the official telephone number and withdraw the telephone number of his emergency contact. Or you can complain to Sunshine Insurance Corporation and give feedback, or complain to the hotline of China Banking and Insurance Regulatory Commission. Finally, you can negotiate with Sunshine Insurance to clarify the time and amount of repayment; Sunshine insurance loans should not be overdue as far as possible, so as to avoid problems in credit reporting caused by overdue and threats to overdue collection.