The loan I owe to an online merchant is overdue. Online loan sharks are calling and harassing my family. Can I complain to the China Banking Regulatory Commission?

You can complain to the China Banking Regulatory Commission.

Especially for online loan platforms, they are more afraid of large-scale user complaints. And relevant regulations clearly stipulate that any collection personnel or third-party collection agency, if they can contact the borrower himself, are not allowed to contact the borrower's relatives or friends privately. This is a soft-violence collection.

Therefore, when a borrower’s family is harassed by online loan collectors, the borrower can choose to complain directly to the lending institution. Under normal circumstances, the personnel who conduct collection work are from the collection department of the lending institution. There are many channels for collection, and the China Banking and Insurance Regulatory Commission is one of them.

Introduction:

1. Call the police

The borrower and his family can collect phone recordings and text message screenshots during collection harassment, find the local public security agency, and call the police directly . According to regulations, debt collectors cannot use methods such as intimidation or bombing of address books to collect debts. In particular, door-to-door collection is a relatively serious form of violent collection. Violent collection, threats to personal safety, soft violent collection, etc. are all criminal cases.

2. Contact the lending institution

If the borrower does not want to make the matter a big deal, he can also directly contact the lending institution to negotiate repayment. First express your willingness and ability to repay, and then ask for installment negotiation. If the lender disagrees, the borrower can also choose to sue directly.