Pay off the debt as soon as possible
With the rise of Internet finance, various online lending platforms came into being. This kind of financial institution that can help borrowers bypass banks and easily complete small loans has a huge market. Many borrowers or borrowers who are in urgent need of funds prefer to bear higher risks and interest in order to obtain loans that are easier to get than banks. However, once the borrower fails to repay the loan on time, the means of debt collection by online lending institutions can be described as various.
Telephone bombing and telephone threats are common means. Although these means are not popular, after all, it is caused by the borrower's overdue repayment. To get rid of it completely, the urgent task is to find a way to pay off the debt as soon as possible.
Collect evidence to make a complaint
If the online lending platform uses excessive debt collection means and there are threats, beatings and other behaviors, the borrower can collect evidence and complain to the Internet Finance Association. As an institution that supervises the Internet financial platform, it will definitely respond to this behavior. The online lending platform will also appropriately restrain its own behavior.
Explain the situation to family and friends.
Many online lending platforms not only call borrowers to collect debts after overdue repayment, but also bombard the contacts in the borrowers' mobile phone address book. The reason why the online lending platform can obtain their contact information is because when the borrower borrows money, the agreement between the two parties States that the online lending platform has the right to obtain the contact information of all the people in the borrower's mobile phone address book.
At this time, in order to avoid bringing unnecessary troubles to family and friends in the future, the borrower should explain the situation to them in advance, ask for their understanding, and remind them not to answer the recent strange phone calls.
The risk of online lending is extremely high. For example, it is very important to avoid overdue debt collection, choose a formal lending institution, or develop a healthy consumption concept and avoid excessive borrowing.