Article 10 of the Convention on Collection and Self-discipline clearly states that business institutions shall effectively protect the privacy of creditors, debtors and related parties, and shall not illegally disclose personal information or obtain personal information by illegal means or channels.
Some lawyers also said that if the online loan is overdue, the lender will withdraw money through legal procedures to expose the borrower's address book and coerce the borrower to repay the loan, which may be suspected of extortion.
Despite this, it still can't stop the pace of various collections by collection agencies. However, in the face of the exploded address book, some netizens obviously have their own countermeasures.
I have to say that this netizen is fighting violence with violence. Personal privacy and information have been exposed. Can you just scold back? Obviously, this method is not desirable.
However, in addition to the exploded address book, many netizens have also been subjected to violent collection methods such as telephone bombing, abuse and personal threats by collection agencies.
So what should the borrower do if it is overdue for one day?
1. Timely repayment
In fact, many people are overdue because they forget the repayment date. In this case, it is actually very wronged to encounter violent collection. So the borrower should pay back the money in time. If it's really not enough, confess to your parents and friends and ask for their help.
2. Negotiate with lending institutions
When being collected, you should first express your willingness to repay actively to the other party, and indicate your current economic situation, and negotiate with the other party about repayment. In addition, you can try to apply to the lending institution for loan extension or installment to reduce your repayment pressure.
3. Choose to complain about rights protection
As long as one of the following situations occurs, you can complain about rights protection:
1. Calling relatives or friends in the address book without the borrower's permission and harassing them many times;
2. Intimidate or threaten borrowers, relatives and friends orally or in writing;
3. The borrower calls more than 3 times within one day after the deadline;
4. Telephone collection is not in the time period from 8 am to 9 pm;
5. Disclosure of personal information of the borrower;
6. The borrower's personal reputation is seriously damaged due to door-to-door collection;
7. The overdue rate is higher than that stipulated by PBOC;
8. Induce borrowers to borrow money from other platforms to repay the funds of this platform;
9. Use SMS and telephone to disclose the mobile phone number of overdue borrowers;
10, pretending to be a national law enforcement agency to intimidate or violently collect borrowers.
Of course, all these require the borrower to keep good evidence, including relevant general recall and SMS evidence. Only with sufficient evidence can they better protect themselves with legal weapons. After retaining the evidence, you can report it to China Internet Finance Reporting Information Platform and the complaint telephone or mail system of relevant regulatory agencies.
report to the police
If there is an emergency, such as the loan company sending someone to the door to demand payment, using abusive, threatening, intimidating, smearing and other ways to take excessive actions against the borrower's family, then you can immediately call the police and immediately stop the behavior of the dunner.