"How to give you a chance?"

"36% interest can't? I didn't have a choice before, but now I want to be a good person! "

"Well, go to the court and see if he will let you be a good person."

"That is to kill me!"

"Sorry, I'm a collector!"

Faced with the crazy harassment of the collector and the bombing of telephone messages, the borrower's heart is dying! The pressure of not paying money is already great, and this kind of tossing makes people even more uncomfortable!

However, I want to tell you the good news that the new regulations will be collected on 20 19! It's time for the bill collector to collect his bad temper and bad tactics. You can't just borrow money to collect it. Under these circumstances, he can't!

The situation that the collection cannot be made.

1, interest exceeding 36% will not be charged.

The state expressly stipulates that private lending with an annual interest rate exceeding 36% belongs to usury, and the part exceeding 36% cannot be collected, and the borrower does not have to pay it back. If it is returned, it can be returned.

If the agreed interest rate is between 24% and 36%, you don't have to pay back what you haven't paid back, and most of them can't come back.

Therefore, if the interest of the small loan platform you borrowed exceeds 36% and you are harassed and intimidated by the collection staff, you can't bear it. Go directly to the website of Mutual Gold Association to complain or call the police directly. How can your rights and interests be violated!

2. The loan principal is not in compliance.

According to the law, the lending institution must hold the License for Legal Person of Financial Institution or the Business License of Financial Institution issued by the bank, and be approved and registered by the administrative department for industry and commerce.

The loan subject is an individual, and the borrower shall be an enterprise, institution, legal person, individual partnership, individual industrial and commercial household or a natural person with China nationality and full capacity for civil conduct approved and registered by the administrative department for industry and commerce.

If the loan subject does not meet the above requirements, the borrower does not need to repay. Lending institutions engage in illegal lending business and dare to collect money. Obviously, they have no right.

3. Induce borrowers to support loans with loans.

This is one of the usual collection methods. The collector pretends to help you repay, in fact, it is to induce or force full-time staff to borrow money from other platforms to repay, so that borrowers can't extricate themselves from the quagmire. Or sign a house mortgage contract, a yin-yang contract, etc. And put your net assets in it. This is all an act of inducing borrowers to raise loans with loans, and it is impossible to collect them.

4. Burst the borrower's address book

Exploding address book is the most common collection method at present. This kind of behavior not only makes the borrower unbearable, but also makes it difficult for relatives and friends to accept it, which makes the borrower lose face and face his family in the future, and his mental loss is great.

At present, the state prohibits online lending platforms from harassing people other than borrowers, and collection personnel are not allowed to harass debtors and others by frequent phone calls, and personal information such as debtors' debts, overdue and breach of contract is not allowed to be disclosed to people other than debtors.

The borrower owed money and never paid it back. Collection can be done, but the address book can't explode!

In these cases, the payee can't get the money. If someone bothers you in the above scene again, it is absolutely impossible. You must learn to go back!

How to deal with violent collection?

Teach you some practical methods that you can learn.

1. The collector says you are a financial liar.

Make it clear that you didn't commit any fraud, and tell the collector that you didn't fabricate the facts when you borrowed money. It is approved by the government and there is no fraud!

2. The collector blew up your relatives and friends.

Resolutely don't let them ask people around you to collect money as a third party. When downloading the loan app, restrict access to the address book. Ask you for your address book in the early stage, or harass your relatives and friends in the later stage, and clearly tell the collection staff that you are an independent civil actor and that the debt is personal and has nothing to do with others.

3. Received a lawyer's letter from the small loan company.

Take it easy. The lawyer's letter is a "legal evaluation" made by the lawyer for the client of the small loan company in this loans overdue incident. The so-called lawyer letter is actually a legal threatening letter.

? 4. Receive a court summons

You need to be present at this time, and you basically don't need to hire a lawyer. In order to ensure your legitimate rights and interests, you must prepare the transfer record between the platform and you before the trial, and you must have how much you borrowed and how much you paid back!

5. Complaints about the retention of evidence

Save SMS screenshots and general recall, keep contracts and transfer records, and then contact the Internet Finance Association for complaints and feedback, and the relevant staff of the Association will contact you by phone for communication and handling.

6, in the face of other personal threats

Such as personal information of the lender, indecent photos, videos, etc. It is illegal to be collected and spread, and the lender can directly sue the other party and insist on demanding compensation from the other party. In areas where there is no "privacy" on the Internet, no matter what you do, you should remember to protect your privacy, and don't give it to the collection staff just to show your sincerity.

Finally, I would like to remind you that you must find a professional and formal loan service agency to assist in the loan, so that you can not only avoid many detours, but also find a loan product that suits you faster and more directly.

Especially for large financing loans such as real estate mortgage, we must find a professional loan service agency to assist in the loan, so as not to cause heavy losses.

Since everything is ready, you only need funds, and there is such a lending institution to escort you, then think about it and do it!