Changsha, Hunan - "Please tell your relatives at home that the door-to-door collection collection personnel of our company have arrived in Hunan Province to collect collection. They are expected to go to the xx group of xxx village xxx town xx county xx city xx next week. Please tell this Prepare money for your family, and if there are children or elderly people at home, please ask them to stay away..." This is one of the hundreds of collection messages saved in Chen Xiaoping's (pseudonym) mobile phone.

For the vast majority of people who have overdue cash loans, they must be familiar with the above-mentioned similar collection text messages. Behind them are a large number of people who are being collected, from college graduates to small businessmen and hawkers.

Stunt trick for cash loan collection: Synthetic "photo of prostitution scene" to collect wreaths from overdue family members, this is true! ?

In the eyes of ordinary people, Song Zhengkun belongs to the "second generation of the little rich" and his family is well off, but he likes to borrow money from cash loan platforms, often using multiple platforms to "remove the east wall to make up for the west" "Wall", the main reason is "I have never liked asking my family for money, but the expenses are high."

He often makes late repayments and claims to be "clean" on all kinds of collection methods. He doesn't care about high liquidated damages, and he doesn't think that "conventional" collection methods such as phone harassment and threats are too much trouble. He even thinks that every time his parents are harassed by collection calls, their parents will immediately help him pay back the debt. Qing, "save yourself the embarrassment of opening your mouth."

Song Zhengkun said that he had heard of borrowers and relatives being beaten, followed and even kidnapped by debt collectors, but he believed that these were mainly the practices of small companies, and the platforms he chose were all with better backgrounds. , "Relatively 'mild'."

What really frightened him was once, "They actually knew about my stay in a hotel in other places, and they didn't know how they got the information. They He even fabricated the story that I was a prostitute in a hotel and threatened to make a composite photo of my prostitution scene and send it to my girlfriend." However, Song Zhengkun recently realized that the collection of debts was not as "gentle" as before.

In early December 2017, Song Zhengkun, who once again failed to repay on time, received a bombardment of collection messages as usual. His reply was as usual, "I will pay it back in a few days." But on the early morning of the second day after the deadline, the door of his father's company was covered with big red characters: "Pay back your debts!!! Take care of your family!!!" There were three large wreaths placed at the door, each of which read Song Zhengkun and his parents' names.

My parents were scared and angry. "Go to the police station to report the case. Because there is no evidence, the police said that the case cannot be filed."

Subsequently, his father helped Song Zhengkun pay off all the debts he owed.

“I don’t dare to borrow money from these platforms anymore. I’m really messing around.” Song Zhengkun said.