Will you send text messages to relatives and friends when the pleasant loan is overdue?

It is illegal to ask companies to send messages to customers, relatives and friends. You can report it.

If the collection personnel harass the lender's family by phone or short message collection, the lender can choose to take phone recordings and short message screenshots, find the local public security organ and call the police directly.

According to the relevant regulations, when collecting money, the collection personnel should not use intimidation or bombing the address book to collect money. If the collection staff has come to the door to collect money, or even found the lender's work unit, throwing paint at the lender's door and playing funeral music, it is a violent collection. Lenders can choose to call the police directly and then sue the collection personnel. According to relevant regulations, violent collection, threatening personal safety and soft violence collection are all criminal cases.

At the same time, we need to remind everyone that according to the relevant national laws and regulations, the loan interest rate of any lending institution cannot exceed 36% of the best lending rate. The best interest rate for the latest five-year loan in 20021year is 4.65%. If the five-year interest rate of a lending institution exceeds 6.3%, it is illegal, and the excess is not protected by law.

If the collector chooses to go to the lender's home for collection, the lender should pay attention to that if the collector obtains the lender's permission and brings a third party as proof, then the door-to-door collection is legal. It is also illegal for the collection personnel to go to the door directly without the permission of the lender.