Is it illegal to ask the company to send a lawyer's letter?

It's not illegal. Only violent collection is illegal. Repay as soon as possible, so as to avoid trouble in collection. If it fails to pay back within the time limit or fails to pay back after two reminders, the parties concerned will be prosecuted. First of all, after repeated dunning, if the parties still do not repay, they will file a civil lawsuit with the court. After the people's court hears the case, if the parties still fail to repay the loan, they can transfer the case to the public security organ for investigation and formally establish it as a criminal case. After investigation, the public security organ will transfer the case to the procuratorate for public prosecution.

1. What responsibilities should the online lending platform bear if it fails to fulfill its notification obligation and causes losses?

Generally speaking, as long as the online lending platform fails to fulfill its notification obligation and causes losses to the borrower, it needs to bear the liability for compensation. If it refuses to pay compensation, the lender may entrust a lawyer to sue for compensation.

According to the regulations, the broker shall truthfully report the matters related to the conclusion of the contract to the client. Where a broker intentionally conceals important facts related to the conclusion of a contract or provides false information, thereby harming the interests of the client, he shall be liable for damages.

Therefore, the online lending platform belongs to the middleman. If he should have told the borrower the situation but didn't, causing loan losses, he will be liable for compensation.

In practice, if the online lending platform is not obviously illegal, it generally does not have to bear any responsibility.

According to the relevant laws and regulations of China, the platform operates according to law, does not set up a fund pool, does not help investors to illegally absorb public deposits or engage in fund-raising fraud, does not conduct false advertising, does not violate financial supervision, issues stocks and bonds without authorization, and does not intentionally participate in money laundering. The platform will not violate the criminal law and the platform does not constitute a crime.

However, if the platform closes down due to poor management, it needs to bear relevant civil liability, and the operator does not bear criminal liability or civil liability.

However, if the person in charge of the platform constitutes a crime, the operator may commit a crime with it.

Second, do you want to receive a letter from a lawyer?

A lawyer's letter is a kind of advance notice, indicating that the other party to your dispute is ready to file a lawsuit against you. If you don't want to go to court, discuss with the other party how to solve it after receiving the lawyer's letter. You can refuse to sign a lawyer's letter, or even not talk to the opposing lawyer, but this may lead to your subsequent court summons. The lawyer's letter itself will not have legal consequences, just a warning. A lawyer's letter is generally regarded as a threat of litigation. It may be that the parties put pressure on the other party to gain the advantage of negotiation, forcing the other party to take the initiative to make peace, or it may be that the parties lose confidence in resolving the conflict and issue a lawsuit warning. Of course, it may also include the purpose of the parties or lawyers spying on each other and tempting information.

Legal basis: Article 28 of People's Republic of China (PRC) Lawyers Law allows lawyers to engage in the following businesses:

(a) to accept the entrustment of natural persons, legal persons or other organizations as legal advisers;

(two) to accept the entrustment of the parties in civil cases and administrative cases, to act as agents and to participate in litigation;

(3) Accepting the entrustment of criminal suspects and defendants in criminal cases or legal aid agencies to act as defenders according to law, accepting the entrustment of private prosecutors in private prosecution cases, victims in public prosecution cases or their close relatives to participate in litigation as agents;

(four) to accept the entrustment and represent the complaints of various litigation cases;

(five) to accept the entrustment and participate in mediation and arbitration activities;

(6) Accepting entrustment to provide non-litigation legal services;

(seven) to answer questions about the law and write litigation documents and other documents related to legal affairs.

People's Republic of China (PRC) Civil Code

Article 676 Liability of Borrower for Overdue Repayment. If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations.