2065438+On March 28th, 2008, China Internet Finance Association issued the Self-discipline Convention on the Collection of Overdue Debt in Internet Finance (for Trial Implementation), which clearly stipulated (in part):
The object of debt collection shall meet the relevant requirements of laws and regulations, and shall not harass irrelevant personnel.
When the business organization cannot get in touch with the debtor, in order to restore contact with the debtor, it can contact the contact person agreed by the debtor in advance.
The collection personnel shall not disclose the personal information of the debtor, such as liabilities, overdue and breach of contract. For persons other than the debtor, except as otherwise provided by laws and regulations.
The above three articles are aimed at the act of exploding the address book, so it is illegal to collect the contact information of others except the debtor himself and the preset emergency contact person.
If the online loan is overdue, you can try this:
(1) Actively negotiate with the collection. Negotiation is skillful. First of all, you must repeatedly show that you are willing to repay the loan, so that the other party can rest assured that you are not the kind of person who is eager to "be lazy". But it is really unable to repay at present. After that, you need to give the other party a clear repayment schedule according to your real situation. In fact, as long as the online loan company determines that you have a positive willingness to repay, it will give you accommodation time.
(2) Repayment must be made on one platform and one platform, and then returned to the next platform. If you choose each platform, it will be less, especially for those who borrow from multiple platforms, I am afraid that even interest will not be paid, so you will never be able to pay off your debts.
(3) Do a good job to prevent the address book from being exploded. Exploding the address book is indeed a very malicious move, and there is no particularly good way at present. However, if you are worried that the other party will explode the address book, you can imitate the following template and give the relatives and friends of the address book a vaccination in advance:
In the face of the pressure exerted by the collector after the credit card and online loan are overdue, just ignore it. This is the most effective way to avoid mental damage caused by collectors. If you are indifferent to him, he can't hurt you. After the expiration, it is very important to keep a good attitude. Only in this way can you face the debt crisis with a peaceful mind.
At present, most online lending institutions are not qualified to report overdue records of users to the central bank for credit reporting, so they can only publicize overdue user information. Over time, big data on online lending credit reporting has been formed in the industry. Online loan big data can clearly reflect users' recent online loan applications, whether online loans are repaid on time, and whether identity information is in doubt. Search: Lan Bing data, you can see a large part of the data of online lending institutions, so the vast majority of online lending should be based on big data.
If you are blacklisted, there is a high probability that the online loan will be rejected. You need to know the reasons for your blacklist according to the report. The more records and records of online loan applications inquired by institutions, the more big data, indicating that funds are tight recently, and online loan platforms can easily determine that you have no repayment ability and the online loan is rejected.