What should I do if my friend doesn't harass me every day after borrowing online loans?

what should I do if my friend borrows an online loan and doesn't pay it back, and the phone call for debt collection bothers me?

With the development of science and technology and the progress of society, many young people now have higher and higher demand for materials. But some young people began to borrow online loans in order to have face in front of their friends. However, everyone must borrow online loans according to their own economic strength, and don't pay back at the end. Some ignorant college students start to borrow campus loans in order to buy what they like. In fact, campus loans are very dangerous. There is no interest on the surface, but the interest behind it is super high. Therefore, everyone must discuss with their families when they borrow money, and don't borrow money alone. So what should I do if my friend borrows an online loan and doesn't pay it back, and the phone call for debt collection bothers me?

first, explain the relevant situation

if the dunning phone calls again, you can explain the relevant situation to the dunner. It is not a self-borrowed online loan, so the debt collector has no right to harass himself every day. If you really want to pay back the money, you can contact your friend's parents or guardians, and as a friend, you have no obligation to help him repay the loan. In today's society, although friends are very important, they have no obligation to help them pay back the money.

Second, tell your friends' relatives

If you know this situation, you should also tell your friends' relatives and friends truthfully, believing that their relatives and friends will try their best to help him pay back the money. Debt collection calls should be made to his parents or relatives and friends at the first time, not to friends. In today's legal society, it is natural to pay back debts. If a friend fails to pay back the money within the specified time, he may be blacklisted.

Third, call the police to handle

There is no right to harass yourself every day by the dunning phone. After all, you didn't borrow the money yourself. If you really harass yourself every day, you can also choose to call the police. I believe the police will give you a fair explanation. And be sure to advise friends to pay back the money on time within the specified time. In this big data of the Internet, if you can't pay back the money on time, you may be defined as Lao Lai. Friends who borrow online loans don't return my phone number to harass me every day

Ordinary people are willing to help tell you when they receive such a call, but there is nothing they can do. The collection is still very tough to harass you. You can tell him that I recorded the call, and if you insist on bothering me, I will call the police. Generally, when I hear this, I won't contact you again for collection. If I still contact you, I can complain to the regulatory authorities. Nowadays, the regulatory authorities are still very cautious about cash loans. If you can contact the borrower, you can ask him to repay the loan and ask him not to regard himself as an emergency contact. Most people are embarrassed to do so again when they hear this. What should I do if I am harassed because someone owes me a loan?

Legal analysis: The law stipulates that even the immediate family members who are not guaranteed have no obligation and responsibility to repay the loan for the debtor, and will not be involved in any legal responsibility. On the contrary, if the dunner continues to harass, he can report to the local police station. Of course, some lending companies will use software to bomb the phone, so don't worry. Now many mobile phones support interception function, and some also support regional interception. Therefore, they can call casually after setting up a black and white list, which will basically not affect daily life. This kind of situation is many now, which basically appears in the current small-scale online loan collection, and the collection is frequently harassed when I can't contact myself. Third parties even use bombers. Solution:

First, ask which loan platform it is and call customer service. Explain the situation.

second, turn on mobile phone interception. It seems that only Android is useful. Intercept all strange calls.

thirdly, communicate with the collection, and generally tell him that the person also owes me money. I can't find him either. Please contact me when you find him. However, these methods are not necessarily useful, mainly because of the abnormal lending and collection of cash loans, and the emergency contacts filled in are not reviewed. Many of them are people who have not contacted for a long time, and many collections are completely unreasonable, and they are bombers, leading to a vicious circle.

Legal basis: Article 42 of the Law of the People's Republic of China on Public Security Administration Punishment commits one of the following acts, and shall be detained for not more than five days or fined not more than 5 yuan; If the circumstances are serious, he shall be detained for not less than five days but not more than ten days, and may also be fined not more than 5 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 punishment by public security administration;

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

(5) sending obscene, insulting, threatening or other information for many times, which interferes with the normal life of others;

(6) peeping, taking candid photos, eavesdropping or spreading others' privacy.