Is it illegal to send and receive short messages to relatives and friends in a hurry?

The payee told the borrower's family that it is not illegal to owe money, unless the payee commits violence or harassment and repeatedly sends obscene, insulting, threatening or other information to interfere with the normal life of others, he shall be detained for not more than five days or fined not more than 500 yuan; If the circumstances are serious, they shall be detained for not less than five days but not more than ten days, and may also be fined not more than 500 yuan.

It is not illegal to collect relatives and friends who normally contact the debtor. If the debtor can't contact, or the debtor doesn't repay, it is not illegal to urge him to repay in time by contacting his emergency contact, as long as the method is proper. It is illegal for the collection personnel to repeatedly use language violence to collect the debtor's relatives and friends.

Whether it is illegal to contact family members after overdue collection depends on the situation. If the borrower cannot be contacted, the collector can contact the borrower's family and ask them to tell him on his behalf. This is legal, but the borrower's loan information cannot be disclosed. If the borrower's phone is always on, it is illegal to contact the borrower's family without losing contact.

For the case that the collector maliciously harassed family members, the borrower can collect relevant evidence first and then feed it back to the relevant departments. Common complaint channels for rights protection are:

1, China Banking Regulatory Commission

The complaint telephone number of China Banking and Insurance Regulatory Commission is 12378. Borrowers can call during working hours during the day, and the feedback effect is very good. After the complaint, the family members will not be harassed again in a short time.

2. China Internet Finance Association

Users can directly make real-name complaints in official website and China Internet Finance Association, and need to upload evidence on the platform. However, this method takes a long time to deal with.

3、 1232 1

1232 1 is the acceptance center for reporting bad networks and spam. You can call this hotline to collect feedback on malicious harassment of your family.

4、 12377

The illegal and bad information reporting center set up by the Central Network Information Office has a variety of complaint methods, such as hotline, official WeChat account, official website, and online reporting APP.

I hope the above content can help you. If in doubt, please consult a professional lawyer.

Legal basis: Article 42 of People's Republic of China (PRC) Public Security Administration Punishment Law.

One of the following acts shall be detained for not more than five days or fined not more than five hundred yuan;

If the circumstances are serious, they shall be detained for more than five days and less than ten days, and may be fined up to five hundred yuan:

(1) writing threatening letters or threatening the personal safety of others by other means;

(2) publicly insulting others or fabricating facts to slander others;

(3) fabricating facts, falsely accusing and framing others, and attempting to subject others to criminal investigation or public security administration punishment;

(4) Threatening, insulting, beating or retaliating against witnesses and their close relatives;

(5) sending obscene, insulting, intimidating or other information for many times to interfere with the normal life of others;

(six) voyeurism, sneak shots, eavesdropping, spreading the privacy of others.