However, as long as their numbers can be connected normally, online lending companies will definitely not let go. If they can't contact the debtor himself, they will definitely disturb your relatives and friends every day. If your relatives and friends can't stand it, they will naturally find you. I hope you can take the initiative to pay back the money, so as to reduce the occurrence of this kind of interruption. Therefore, it is unrealistic to prevent the address book from being disturbed by explosions.
If you encounter this situation, the best way is to choose the police, and then within the scope permitted by law, get the reasonable money back and draw a clear line with online loans. In fact, many online lending platforms are operating illegally at present, and according to the current laws of China, the protection scope of private lending interest rate is four times that of LPR of banks in the same period.
At present, the one-year LPR is 3.7%, and the quadruple LPR is 14.8%. If the annualized interest rate of online loans borrowed by everyone exceeds 4.8%, you can refuse to repay the extra part. And the interest mentioned here includes beheading interest and various handling fees, which are calculated according to the money you get. If the interest rate of online loans exceeds the legal level, you can choose to call the police, you can call the local police station, or you can call the police through the network police.
In fact, when people apply for online loans, online lending companies have quietly obtained everyone's background information, including what model their mobile phones belong to and who is in the address book. Including names, phone numbers, and even what software everyone has used, can be clearly recorded. These things are generally not needed as long as everyone repays normally, but if they are overdue, the online loan company will retrieve these address books at any time and send them one by one.
They even add their WeChat, and then send them all kinds of lawyer letters, collection letters or all kinds of threatening information. For this practice, not only the borrower itself is greatly affected, but also the relatives and friends around him. This influence not only comes from the various interruptions of collection companies, but more importantly, these collection companies may sell the address books of your relatives and friends to some intermediary companies, and then these intermediary companies will sell you all kinds of things every day, which is annoying.
But there is no guarantee that this alarm will have any effect. Because many online lending platforms now carry out online lending business through various illegal channels, which are guerrilla warfare, constantly updating websites and downloading channels, and even the accounts used to issue loans or receive repayment are carried out by buying and selling other people's bank accounts, it is difficult for the regulatory authorities to find out who the real mastermind is.
Therefore, for everyone, the most effective and safest way to prevent the address book from being exploded and all kinds of violent collection is not to contact online loans. Only if you don't owe money to online loans can you avoid all kinds of interruptions.