Collect evidence, understand legal channels and seek protection of consumers' rights and interests. According to the query rules, the following methods can be used.

1. Collecting evidence: sorting out documents and evidence related to loans, hospitals and medical services, including contracts, receipts, text messages and telephone records.

2. Know the legal channels: consult a lawyer or legal adviser to know the legal channels in your area, such as prosecution or appeal.

3. Seek protection of consumers' rights and interests: Seek help from local consumer protection departments or organizations.