Can I complain if I call my family, relatives and friends after the online loan is overdue?

1. Can I complain if I call my family, relatives and friends for overdue online loans?

In order to urge the borrower to actively repay the loan, once the borrower fails to repay the loan after the deadline or sends a text message, the creditor may pay attention to his family. If the payment has nothing to do with other family members, the other party will harass you and choose to report it to the police actively in practice.

in fact, if the borrower fails to pay back the money within the time limit, no matter whether his family needs to bear joint and several liability, as long as the other party makes harassment such as text messages and telephone calls, it will seriously affect the active alarm handling.

However, after the online loan is overdue, it must be paid off as soon as possible. Once it is overdue, some online loan products may be requisitioned for cooperation at the meeting. Therefore, if the overdue loan affects personal credit, it should be repaid as soon as possible to avoid affecting personal credit or generating high fines.

Small partners who don't know their credit information only need to pass: Sky Data. You can find your own personal credit score, and find this WeChat applet to platform and UnionPay. Users can check the situation, get all kinds of index data, and find their own personal credit application records, application platform types, online loan credit line estimation and other important data information.

Therefore, when using a loan or credit card, you must repay it on time, and don't easily overdue it. Only when you pay off the credit stain can you "wash away", and if you don't repay it all the time, the credit stain will follow you all your life.

Second, how to report the malicious harassment of your family by online loans?

You can report the number in the telecom business hall or the mobile business hall, or you can file a lawsuit against the online loan. You should take relevant audio and video with you to take screenshots of your own evidence.

Third, if the mobile phone loan is overdue, you can harass your friends by calling. How can your family complain?

Yes,

But if you win the case, the best result is that Ping An customer service apologizes to you, and the winning rate is extremely low.

when you take out a loan, you must fill in the details of your family and friends as a guarantee for your loan. This is the loan rule. Their details were leaked from you, not because they spied on the privacy of your family and friends and deliberately harassed them.

when you make a loan, you have agreed to the rules of recovery, otherwise the loan will not succeed. You should have directly agreed to the collection rules without reading it.

If there are no threats, intimidation, deception and other illegal acts, Ping An customer service will definitely not support compensation, and the probability of supporting an apology is very low.

the only solution is to pay off the debt as soon as possible, otherwise you will sit in the dock. If you insist on refusing to return it, you will be convicted.

fourth, how to report the harassment of family members

first, answer positively

The borrower can choose the following methods to deal with the harassment of family members.

2. Specific analysis

1. Screen the collection number with mobile phone

Although most of the collection numbers are not fixed, they are basically strange numbers. Borrowers can directly set the function of screening calls from strange numbers to help their families avoid the harassment of collection.

2. Report to the operator of the number

You can directly find the operator of the family's mobile phone number and inform the other party of the current situation.

the operator will check whether the number has been harassed, and after it is determined that it has been harassed, relevant measures will be taken to protect the number.

3. Set up third-party software interception

The borrower can help his family and download a third-party software interception.

such as: Tencent Mobile Manager, Baidu Mobile Guard, 36 Mobile Guard, etc.

It should be noted that neither the software function that comes with the mobile phone nor the third-party interception software can block all the collection numbers, and can only reduce the harassment of family members caused by collection calls to a certain extent.

4. Ask for help from public security organs

Borrowers can also choose to collect relevant evidence of family harassment, and then directly seek help from local public security organs.

the public security organ will contact the collection personnel for negotiation.

in case of unexpected circumstances, such as the loan company sending someone to collect money at home, using abusive, threatening, intimidating, painting and other methods, you can immediately call the police and stop the behavior of the collection personnel.

5. Repay in time

If conditions permit, the borrower can choose to repay in time.

after the loan is paid off, the collection personnel will naturally stop the collection and will not harass the borrower's family.

6. Direct lending institutions or collection personnel

Borrowers can also choose lending institutions. According to the regulations, lending institutions are not allowed to harass borrowers' family members or friends if they can contact the borrowers during collection, which belongs to soft violence collection.

7. Online Complaints

Borrowers can also choose to complain on some online platforms, such as China Internet Finance Association.

According to the regulations, if borrowers are faced with violent collection, they can report to China Internet Finance Reporting Information Platform, the complaint telephone number or mail system of relevant regulatory authorities.

Cyberhacking generally refers to users who fail to repay their loans on time or have bad behaviors. It is easy to be classified as cyberhacking, and to judge whether they are cyberhacking or not, you can check it quickly at Beijian.

third, is it useful to collect complaints about harassing family members with credit cards?

it's useful to collect complaints from family members by credit card.

credit card collection harassing family members is a violent collection and an illegal act.

As long as you have the evidence of the other party's violent collection, keep the collection message and turn on the recording when you answer the phone, you can complain directly to the bank or to China Banking and Insurance Regulatory Commission.