China business signs up for dispatch (Huang Lijian of photography of reporter She Hui) Xi'an girl is little after network of Home Liu Zaiyi borrows a company to borrow money, because of reason exceed the time limit, after although be in,be being delayed in succession below the circumstance of reimbursement, early or late still 3 profess to suffer entrust the relatives and friends that urges the company that control to call Xiaoliu often to urge close, affect their normal life badly.
The net borrows exceed the time limit
Close friends receives the telephone call that urge a fund again and again
Xiaoliu is the road austral Chang'an one company staff, because give birth to the need of vivid respect, often can borrow platform in the net small lend some of money have enough to meet need. "I am the money that lends in one loan platform, this platform has a business is 21 days put in repayment of capital 's charge to cease, I often a few borrowing some of money, in the reimbursement inside 21 days. " Introduction Xiaoliu, as time elapse, her line of credit promotes more than yuan 8000 gradually. By 2017, because need to spend money, she decides to spend borrow or lend money by highest forehead, hind of have enough to meet need remands. "I consider reimbursement pressure, borrow 8000 yuan of cent into 3, lend brushstroke 4000 yuan first, it is next 3000 multivariate, finally is 800 yuan. " Xiaoliu says, of 3 loan early or late time is very close, in the distance brushstroke expires 4000 yuan to still have 3 opportunity, she receives the telephone call of this platform, the other side suggests she shifts to an earlier date reimbursement, she is accepted and returned money. "But since then in period of time, this platform seemed to rectify, a lot of business such as loan cannot do, can reimbursement. " Xiaoliu says, right now, she because capital turnover question, cannot remand inside deadline temporarily surplus money, get in touch with platform customer service then, negotiate delay to use with the other side, remand stage by stage after acceptance, "When application adjourns, I returned 600 yuan, later I also in succession hundreds of hundreds of ground are being returned. Later I also in succession hundreds of hundreds of ground are being returned..
Making what Xiaoliu did not think of is, begin from March, she and all round quiet life of close friends is broken. "A plane number that is a Beijing at first the telephone call that makes me, saying them is precatory of this loan platform is urged control a company, hit disappear of period of time to stop, we still added small letter, be pulled later black. " Xiaoliu says, the middle ten days of a month began in April, a big telephone number that shows for Shandong aid coulds there be begins frequent incoming telegram to urge her reimbursement, what hit her this is less instead, main goal is the close friends all round her, at least 5 friends family member is annoyed, "It is the sort of network phone, number does not weigh appearance, a day a few, several my friends are annoyed so that be overcome. " Xiaoliu says, the friend finds her again and again, beg her to let the other side do not hit them again rapidly. Those people emphasize in the phone, the close friend that should make Xiaoliu intentionally namely, let everybody be applied to Xiaoliu pressure return money. These phones annoy the ability at the beginning of May to disappear all the time. Begin on June 6 afternoon, the phone of two Xi'an began again new round " attack " . "They also not name-calling, but it is the sort of enigmatic word, minatory perhaps should contact my leader to let me lose the job of what. Minatory perhaps should contact my leader to let me lose the job of what..
Doubt offers a mobile phone to serve a password to the other side
Reveal telephone call of relatives and friends
Xiaoliu introduces, actually, annoy the process that urges a fund ceaselessly in the other side in, she is in all the time give the other side reimbursement in succession, "Remain 4000 much, I was returned again early or late to now 2000 much, but urge a few days ago close when making a telephone call, I let their side be checked, I still owe their capital up to now 2000 much, poundage 200 much, accrual 2000 much, aggregate the loan before already exceeding me. " Xiaoliu says, the telephone call of the relatives and friends that how to know this platform to know her hand-in-hand travel harasses? Xiaoliu passes serious memory, she is in operation before this the service password that ever had offerred him mobile telephone to platform, the other side uses those who served a password to get bugle call of her mobile phone probably to communicate record.
Yesterday afternoon, reporter of China business newspaper tries contact the customer service personnel of this loan platform, make clear interview an intent, but the other side states customer service is accepting user matters concerned, cannot accept temporarily interview. Subsequently personnel of this company public relations calls a reporter, say this company is undertaking investigating, will give response, but up to distribute news dispatches, the reporter did not get any responses.
The net is borrowed urge receive mode
Phone bomb is in debt person relatives and friends
So, urge receive loan, is the net borrowed platform and urge is controlling a company how operate?
Chief Mr Cao that occupies finance company of a folk introduces, above all, the phone of relatives and friends that the net borrows platform to want to try to obtain borrower of exceed the time limit is address book information even, the view says general net borrows platform to be able to be read take address book information or mobile phone short message, also the net borrows an orgnaization to meet individual of test and verify the operation business of mobile phone date serves a password, get by this be in debt of person close half an year communicate detailed list. If be in debt person exceed the time limit, can contact above all be in debt the contact that the person fills in, a bomb can be connected later be in debt address book contact of the person. And urge debit form, besides bomb of initial short message, phone, be in possibly still if network forum is stuck person of open and abuse debt, threaten minatory, send a lawyer to case or urge subpoena of paragraph advice note, court to wait. And some loan platform, when borrower is registered, often also allowed the right that platform information gets at the same time, the agreement is registered in the user of these platform in, mark understands platform to the news that has possibly is gotten and use means. Platform can obtain the of all kinds information that tripartite platform provides all sorts of correlation, and after the user agrees with these agreements and be being registered already demise right of one's secrets of this share information, the life that needs to assume oneself and contact at the same time risk be waitinged for by thank you for you hospitality. In some of net borrows an agreement, still mention expressly, leasehold platform still will owe the likelihood information of exceed the time limit to undertake share or be announcinged to tripartite, this tripartite is urged namely probably receive an orgnaization.
Mr Cao introduces, the dun business that at present most net shifts a firm is used " the bag outside the part, him part closes " mode. To just the debt of exceed the time limit, it is by the company proper motion is urged commonly close; And outside the does not cover with company itself area that the liability that package company assumes includes time of exceed the time limit to grow quite. In the meantime, the net lends a company won't will urge control business outside the bag gives a dun the company, they can take different proportional deduct a percentage from a sum of money according to debt time length. Confront the client that is in debt for a long time to be not returned, dun company early days just reminds, later period can be applied press and warn, can send a short message to security not only among them, inform their relatives and friends even.
" the decision that standing committee of countrywide National People's Congress protects about strengthening network news " set: ? Cling to Yao of ┱ of Mao of Ken of Shou pushs ノ of random archives of stool of Lu large bamboo hat to suffer from eight to rainwater in puddles Xing of times of Tuan of Tiao of the drop that grow show off takes cough of ぷ evil spirit Wu of Zhun of grave says Qian has sacrificial meat of bank ⒈ box? of fine addiction C must not be divulged, distort, , must not sell or offer illegally to other.
As we have learned, in the light of urge control a problem, silver-colored 2009 inspect ever can be released " the announcement about business of farther normative credit card " , orgnaization of requirement banking finance should careful carry out urge action of the bag outside closing. At the beginning of 2018, association of Chinese Internet banking releases " debt of Internet finance exceed the time limit is urged accept autonomic joint pledge (try out) " , in the light of undeserved urge close, information protection, outside the current liability such as bag management is urged receive the most prominent problem delimit bottom line, share business of industry of gold of 10 each other to sign pact.
