How to report car loan overdue harassment

When we encounter online loan collection and harassment, we should take relevant measures to curb this behavior. For example, make a complaint to the Internet Finance Association, Juchao, the China Banking Regulatory Commission, and the 12321 department.

If you encounter methods such as extortion of contact lists, P-pictures, phone and text messages, etc., it is most effective to choose 12321 to complain.

In short, when you encounter violent debt collection, you can just complain to the above departments, which is the most effective.

Moreover, you can directly call the 12315 complaint hotline and complain about the problems we encounter. This method is more convenient and faster.

In the case of debt collection and harassment of family members, the parties concerned can report the case directly to the police for handling. If there is an emergency, for example, the loan company sends people to collect debts, uses abuse, threats, intimidation, spray painting, etc., or takes excessive actions against the borrower's family, then you can call the police immediately and stop the debt collectors' behavior immediately. Either way, evidence needs to be preserved.

If you really do not have the ability to repay, you should negotiate with the bank or lending institution to extend the repayment period or repay in installments.

Loan money will not have any consequences:

1. If the lending institution or bank fails to fulfill the court judgment during the performance period after winning the lawsuit in court, it will apply to the court for enforcement. .

2. When accepting compulsory execution, the court will inquire about the properties, vehicles, securities and deposits in the name of the lender in accordance with the law.

3. If the lender has no property available for execution and refuses to fulfill the effective judgment of the court, negative information such as overdue repayment will be recorded in the personal credit report and high consumption and entry and exit will be restricted. , and may even be subject to judicial detention.

4. If someone has the ability but refuses to execute, he is suspected of refusing to execute the judgment or ruling.

Legal basis: Article 42 of the "Public Security Administration Punishment Law of the People's Republic of China" Whoever commits any of the following acts shall be detained for not more than five days or fined not more than 500 yuan; if the circumstances are more serious, , shall be detained for not less than five days but not more than ten days, and may also be fined not more than five hundred yuan: (1) Those who write threatening letters or use other methods to threaten the personal safety of others; (2) Those who openly insult others or fabricate facts to slander others; ( 3) Fabricating facts and making false accusations to frame others in an attempt to subject others to criminal prosecution or public security penalties; (4) Threatening, insulting, beating or retaliating against witnesses and their close relatives; (5) Repeatedly sending obscene, insulting messages , threats or other information that interferes with the normal life of others; (6) Peeping, filming, eavesdropping, or spreading other people's privacy.