How to deal with family phone harassment?

What should I do if my family and friends are harassed by malicious collection calls?

If you encounter harassing calls, you can handle them in the following ways:

(1) Use the interception software or function that comes with the mobile phone to intercept incoming calls or text messages of the other party's number (with the support of the mobile phone).

(2) Third-party software sets interception, such as mobile guards and 360 security guards.

(3) Report to the operator to which the number belongs.

(4) Unicom users can open anti-harassment reminder service.

How to deal with family harassment?

First of all, answer directly.

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

Second, the specific analysis

1. Block the collection number with your mobile phone.

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

2. Report to the operator to which the number belongs.

You can directly find the operator of your family's mobile phone number and inform the other party of the current situation. The operator will check whether the number is harassed, and after it is determined that it is harassed, there will be relevant measures to protect the number.

3. Set up third-party software interception

Borrowers can help their families and download a third-party software to intercept. Such as: Tencent mobile phone housekeeper, Baidu mobile phone guardian, 360 mobile phone guardian, etc.

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

4. Ask the public security organ for help.

Borrowers can also choose to collect relevant evidence of domestic harassment and then go directly to the local public security organ for help. The public security organ will contact the collection personnel and let the two sides negotiate.

If there is an emergency, such as the loan company sending someone to the door to demand payment, using abusive, threatening, intimidating, smearing and other ways to take excessive actions against the borrower's family, then you can immediately call the police and immediately stop the behavior of the dunner.

5. Timely repayment

If conditions permit, the borrower can choose to repay the loan 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. Directly sue lending institutions or collection personnel.

Borrowers can also choose to sue lending institutions. According to the regulations, if the borrower can be contacted during the collection process, the lending institution should not harass the borrower's family or friends, which is a 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 encounter violent collection, they can report to China Internet Finance Reporting Information Platform, relevant regulatory agencies' complaint telephone number or mail system.

You can get the online loan big data report from the platform of "Xiaoqi Credit Information", which contains information such as online loan history, overdue details of online loans, liabilities, untrustworthy information, and online loan blacklist.

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

Credit card collection, harassment, family complaints, useful.

Credit card collection harassing family members is a violent collection and illegal.

As long as you have evidence of the other party's violent collection, keep the collection message and turn on the recording when answering the phone, you can complain directly to the bank or to the CBRC.

How to deal with family members' telephone collection harassment?

If the dunning call disturbs the family, you can call the police.

The police will impose a detention of not more than five days or a fine of not more than 500 yuan according to the specific circumstances; 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.

legal ground

Article 42 of the Law on Public Security Administration Punishment commits one of the following acts, and shall be detained for less than five days or fined less 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.