“微粒贷”逾期遭“假律师”堵门！微众银行：不便接受采访

Core Viewpoint - The article highlights a case involving a user of WeBank's "Weilidai" loan service who faced aggressive collection tactics from a purported law firm after defaulting on a loan due to family issues, raising concerns about the legitimacy of the collection agency and the protection of consumer rights [1][12]. Company Overview - WeBank, launched in December 2014, is China's first internet bank initiated by Tencent and others, with "Weilidai" being one of its key products [6][16]. - As of September 2025, WeBank disclosed a list of 18 marketing agencies, 44 guarantee institutions, and 320 collection agencies as its partners, but the agency involved in the case was not listed [16][21]. Incident Summary - A user named Ms. Zhang from Shanghai took out a loan of 10,000 yuan with an annual interest rate of 18% through WeBank's "Weilidai" service, maintaining a good repayment record until a family crisis led to a two-month default starting in October 2025 [1][12]. - Following the default, Ms. Zhang experienced "soft violence" collection tactics, including defamation on social media and a visit from individuals claiming to represent a law firm, demanding repayment [1][12]. Legal and Ethical Concerns - The collection notice presented to Ms. Zhang was from "Beijing Boyuan Law Firm," which was later found to be non-existent upon investigation [6][16]. - The incident raises questions about the legality of the collection practices employed and the potential for fraud if the collection agency is indeed illegitimate [11][21].