Can I complain about overdue mailing address of IOUs?

Identify which collection actions are illegal. 1. Exploding the address book: Exploding the address book is one of the main collection methods of illegal lending platforms. You harass your relatives and friends by phone or text message every day, just to make the debtor pay back the money as soon as possible.

Once there is a platform to harass your relatives and friends every day and even expose your privacy, this is illegal collection. 2. Misleading the debtor to repay the loan by loan: let the debtor borrow other people's funds or other platform funds to repay the loan by telephone or SMS.

For example, let you borrow from your brothers and sisters, or let you apply for a credit card, or borrow online loans or lend them to friends to repay platform loans. This kind of collection is also illegal, and formal collection by banks will not appear.

3. Personal (health) safety: forced collection at home, private detention, threat of violence, intimidation, deception, impersonating bank, public security bureau, court, procuratorial organ staff, etc. , causing personal safety to the debtor or seriously affecting his life, this kind of collection is also illegal.

4. Frequent collection: the same loan is called more than three times a day, and it is called many times during normal working hours, and the borrower's information is exposed by text messages and phone calls many times a day.

5. False inducement: inducing and instigating the repayment person to provide false certification materials, asking the parties for property or handling fees, and guiding the repayment person to raise funds through illegal channels and other illegal inducement behaviors. What should I do if I encounter these illegal collections? Direct complaint, report.

So where to complain and where to report, this may be the confusion of many indebted friends. Collections can be added to you through private WeChat, or directly reported or blacked out. Because of the non-enterprise WeChat, you can't tell whether the other party is a true and false collection, and the blackout fails, which does not violate the national collection laws.

If the other party says that it is a collection from any bank or institution, first determine the job number and name, call their headquarters to verify and then decide whether to pass or not. You can choose not to pass.

It is the same for the other party to send text messages. You must ask the other party's name, job number, institution or bank first. If you don't even know each other's name, job number and company, your chat will become worthless and a waste of time. Perhaps, if you happen to be in debt, you will be cheated by those lawless elements.

Know the company or bank, job number and name of the other party. If the other party has illegal behavior, you only need to record it when communicating. Of course, the other party's formal collection will also be recorded during the collection process, giving you evidence of complaints. Call the company or bank headquarters first and let them handle it directly. This is your right.

Liabilities are liabilities, but they infringe on the rights of citizens and should be protected by law. If the company or bank headquarters does not give the processing result within 3 working days, the same situation still occurs, and you can complain directly to the CBRC or through the national anti-fraud APP. Or you can handle it through the police, or you can complain to the financial office about the violent collection of online loan companies. How should the borrower complain?

1, China Internet Finance Association: Borrowers can follow the official account of Internet Finance Association on WeChat, click Contact Us on it, and then click I want to report it. 2. Banking Regulatory Bureau: The borrower can call the local banking regulatory bureau to make a complaint. The contact information of the banking regulatory bureau in each region is different, but it can be found online.

3. Complaint collection: Borrowers can pay attention to WeChat complaining about WeChat official account and complaining about online loans that infringe their rights and interests.

4. Industry and commerce department: The borrower can make a complaint on the national Internet official 123 15 or pay attention to the official account of WeChat on the national Internet platform. 5. 12378. If there is illegal collection on the platform, you can call 12378 to make a complaint. If you want to negotiate personalized installment repayment, you can also call 12378 for help!

6. 12377, in case of illegal collection, such as collection, disclosure of personal arrears information to relatives and friends, harassment, etc. Debt is not terrible. Many debtors are really knocked down by debts and forced by illegal collection.

Defend your legitimate rights and interests through formal legal means, strive to make money, let yourself pay off debts as soon as possible, and return to normal life without being harassed by collection. There is a lot of content. You can see here, which means you have at least gained something. If you have any questions, or if you have any questions after debt, you can come to consult me. If you find this article useful, don't forget to collect it or share it with friends who are in debt.

Adjusting mentality, facing life positively and making money hard are the keys to debt relief. If you have a stable income at present, but the monthly repayment amount is too large to repay, you can apply to stop paying interest. If you don't have a stable income and a regular job now, the problem now is to solve the problem of survival first. You must not take shortcuts when you are in debt, and you must not covet small profits. Otherwise, wanting to go ashore may be just empty talk. Remember: you want to be greedy and cheap, which is a trap set for you by others; The shortcuts you want to take are all pits that others have laid for you.