On the afternoon of 2 1, the headquarters of 5 1 credit card in Xixi, Hangzhou, Zhejiang Province was investigated by the police. Hangzhou police reported that after preliminary investigation, it was found that 5 1 credit card entrusted outsourcing collection company to pretend to be a state organ, and used soft and violent means such as intimidation and harassment to collect debts, which was suspected of causing trouble and other crimes. Sun Haitao, the founder of the platform, publicly apologized on 22nd.
People are no strangers to violent debt collection. Previously, traditional banks, private lending institutions, and online lending companies that emerged in recent years mostly entrusted debt collection business to outsourcing companies, while the latter used almost all violent means to collect debts, causing continuous harassment to users' work and life, and even causing some users to commit suicide.
In other words, violent debt collection is not just a problem for outsourcing companies. If 5 1 credit cards use contracts to restrain and supervise the debt collection behavior of outsourcing companies, outsourcing companies will not dare to be so violent. From this point of view, although outsourcing companies violently collect debts, the platform is hard to blame, and the police investigation platform is necessary.
5 1 What outsourcing companies are there for credit cards? What are the specific means of violent debt collection and what harm has it caused to users? These problems also need to be investigated clearly and made public. Only in this way can we effectively deter such mutual gold platforms and outsourcing collection companies, promote the transformation of their debt collection methods from violence to standardization, and safeguard the legitimate rights and interests of users and the order of financial markets.
It is worth noting that when investigating and handling 5 1 credit cards, the Opinions on Handling Criminal Cases of Illegal Lending jointly issued by the Supreme Law, the Supreme People's Procuratorate, the Ministry of Public Security and the Ministry of Justice recently included quarrels and troubles involved in debt collection. From the provisions of this document, it is not difficult to see that the punishment for forced debt collection by violent means should be increased in the future.
In a civilized society ruled by law, any violence should be effectively curbed. Even though debt collection on the internet financial platform is a natural act of safeguarding rights, the ways and means of debt collection must be within the existing legal framework and should not be upgraded to violent means beyond the law.
In order to eradicate violent debt collection, it is necessary to standardize the debt collection behavior of creditors such as commercial banks and mutual funds, and guide 3354 to change from default violence debt collection to judicial debt collection. In other words, creditors should protect their rights and interests through legal channels, otherwise violent debt collection may be difficult to cure.
It should be said that the effect of "judicial debt collection" will be better, because if the user fails to repay the loan according to the contract, the judicial organ can not only enforce it, but also jointly punish Lao Lai through the "blacklist" of untrustworthy people, forcing the user to pay back the money in time. More importantly, "judicial debt collection" can guarantee the legal norms of debt collection and avoid the illegal risks brought by violent debt collection. Of course, this is also a severe test of justice.
Related Q&A: Can I still borrow money from online loans of 5 1 year old? No problem, you can borrow money. This mainly depends on your credit and mortgage assets.