Is it illegal to complain about the 360 explosion address book?

Can only complain. When you are sure that you can be contacted, the 360 loan will burst into the address book. You can call the Internet Information Office, Communications Administration and Banking Insurance Regulatory Bureau where the lender is located to handle the complaint. If you want to sue them or anything else, unless you are particularly capable and well-connected, you can worry about it. They have been cheating on loans for years and are still alive and well. This is not something you can solve alone. Finally, it is not their people who cheat you, and as a result, you will get interest if you borrow it. What you have to do now is how to prevent him from continuing to explode your address book within the rules. The rest, such as compensation and apology, are not as good as what you need to do.

Since commenting on this article, many people have invited me to answer questions about 360 IOUs. These problems have one thing in common. As soon as I heard that the address book was about to explode, I immediately panicked. Be quiet,please. Whether it will explode at this time is beyond your control, so it is useless to panic. Here is a supplementary explanation of my own understanding.

First of all, personal understanding is not authoritative.

The exploded address book is just one of the collection methods, which is illegal (if you can contact yourself, you can contact the emergency contact person when you can't contact). This is the next step to collect money from companies like the industrial chain, which is illegal. You can save the evidence of the other party's violation through audio recording, screenshots, etc., and report it to the relevant institutions. If you borrow money online, you can report it to the Internet Finance Association, and bank loans and credit cards can complain to the Banking Insurance Regulatory Commission. Tell a joke: As long as you are awesome enough to delay for a long time, you will find that the collection company has been replaced, and the last collection company may be destroyed.

What is really terrible about overdue is the impact on credit reporting. 360 IOUs including Alipay are middlemen. In fact, you borrowed money from the bank. For overdue banks, there is time tolerance, and 1-3 days is no problem at all. This is for people who really forget. Similarly, if the institutional platform where you borrow money pops up to communicate with you within 3 days of your overdue date, there is definitely a problem. ) but if it takes longer, it is necessary to communicate with customer service. Of course, we don't borrow directly from the bank, but it is estimated that it will be more difficult to communicate with third parties.