Borrowers can seek help in the following ways after encountering violent collection of online loans:
1, China Internet Finance Association:
Borrowers can follow the official WeChat account of Internet Finance Association on WeChat, click Contact Us on it, and then click I want to report it.
2. Banking Regulatory Bureau:
The borrower can call the local banking regulatory bureau to make a complaint. The contact information of the banking regulatory bureau in each region is different, but it can be found online.
3. Collect complaints:
Borrowers can pay attention to the official WeChat account and complain about online loans that infringe their rights and interests.
4. Business sector:
Borrowers can complain on the official website of State Grid 123 15/. You can also pay attention to the national 123 15 Internet platform of WeChat official account to make complaints.
5. 1232 1 Network Bad and Spam Reporting Acceptance Center:
If the borrower encounters illegal SMS harassment, he can complain to 1232 1 Internet Bad and Spam Reporting Acceptance Center, and the website for reporting SMS is:
The first is direct complaint.
Complaints can be made on the online loan platform's APP, official website Online Loan and official WeChat account. When the number of complaints reaches the established standard, the third party will block the official WeChat account of the platform. Now the number of official WeChat accounts that can register corporate qualifications has decreased. Once the same entity is blacklisted, the official WeChat account will be blocked. After the CBRC issued the compliance filing last time, many informal online loan applets and official WeChat accounts were seized in a large area.
Complaint settlement liaison unit
The second is to complain to the operators.
Many violent collectors collect money by phone, making more than a dozen calls every day. When multiple users complain that the mobile phone number has caused harassment to the operator, the operator will handle the phone call. Once the number complaint is successful, the phone number cannot be used. Of course, this is a relatively low-level approach, but it also has certain effects.
Third, through the complaint website.
2 1CN is one of the largest complaint websites in China. For example, last year, the largest number of complaints was instant consumer finance. After the rectification of the regulatory authorities, it is obviously better than before. For the phenomenon of violent collection of such loans before maturity, when the number of complaints reaches a certain level, the cash loan business of the online lending platform can be directly stopped. Of course, under the strong supervision of the China Banking Regulatory Commission, most online lending platforms have basically stopped the cash lending business.
Fourth, through the CBRC official website complaints.
The complainant can reply to the specific situation through CBRC official website according to his own situation. Complaints should be made in writing, detailing the events and nature of the complaint, the complainant's name and contact information. Generally speaking, oral complaints or anonymous complaints to the CBRC are not acceptable. When handling complaints, the CBRC will keep all complaints absolutely confidential and then take corresponding management measures.
Fifth, through the China Internet Finance Association.
China Internet Finance Association has the right to manage and rectify the chaos of online lending, and issue heavyweight treaties and notices every time. Therefore, complaining through the website of China Internet Finance Association can also solve the chaos of violent collection on some online lending platforms.
In the case that the online loan is not overdue, knowing that the cash loan business will be banned under the rectification of the CBRC, it is obviously the last desperate struggle for the online loan platform to carry out violent collection. So I wanted to withdraw more cash in the final stage, so I ignored the contract and collected the unexpired loan. This approach has a gambler mentality.
For the phenomenon of violent collection, especially before the loan expires, the lender had better keep good evidence when complaining about the online lending platform.