be useful
"Useful, it is effective for borrowers to call 12378 to defend their rights when the evidence is sufficient and the online lending platform is indeed illegal.
In fact, 12378 is an insurance consumer complaint hotline, whose job is to receive complaints from commercial insurance consumers and report insurance violations by individuals and units such as insurance companies and employees. If the borrower wants to use 12378 to collect and attack the online loan service platform, it is useful to prove that the online loan service platform is indeed illegal.
In addition to 12378, the borrower can also go to CBRC official website to make a complaint and report. Reporting scope: The reporting scope covers illegal activities of Internet technology and finance institutions. A report is different from a complaint, and it is intended to describe its main personal behavior and the provisions of laws, policies and regulations it violated.
In addition, many places have their own financial authorities or financial offices. Borrowers can check the registered address of online loans and then call the local financial office. This kind of complaint is relatively more useful than looking for the CBRC and the Industrial and Commercial Bureau.
However, complaints are a time-consuming channel after all. If the borrower's normal life has been harmed by online loan collection, he can negotiate and communicate with the collection staff of the online loan platform while waiting for the complaint result.