How to refuse a phone call?

An effective way for users to refuse collect calls is to change their mobile phone numbers. Because the collection phone will not be dialed at a fixed number, if the user refuses to collect the phone, it is invalid to intercept it with software. After changing the mobile phone number, the collection agency cannot obtain the information of the user's new number, so the new number will not receive a collection call.

However, users who are in arrears will not affect their credit, and refusing to answer the call for collection is not the solution to the debt. The best way is to take the initiative to contact the lending institution and agree on the repayment time and amount, so that the collection agency will not urge the collection again.

What are the skills of not answering the call? The method has been sorted out

For debtors who have no repayment ability, collection is enough to make people collapse, especially when they are just overdue. They are psychologically afraid of collecting calls and don't know how to deal with them. There are many borrowers who consult. What are the skills if you don't answer the phone? The method has been sorted out!

What are the skills of not answering the call?

You don't have to answer collect calls during breaks (such as holidays) or between 8 am and 9 pm. You have the right to refuse to answer the phone at this time.

If you can't prove your identity, you can refuse to answer. For example, if you make a phone call, you don't say who you are or you can't prove your identity. For example, if you don't say your specific work unit, name and job number, or if you are unclear and can't prove it, you can treat it as a harassing call and refuse to answer it directly. If the other party reports the work number, you can hang up and call customer service to confirm whether it is true. This is your right, too.

Call more than three times a day can also be refused. Calling more than three times a day is a violent collection, and the call time needs to be between 8 am and 9 pm. Calls that exceed this time period are violent collection.

If threats, slanders, insults or debts affect normal work and life, you can not only refuse to answer, but also complain and report, and all collection calls should be recorded for future reference. Of course, it is of little significance to complain and report, and time should not always be wasted on it.

As long as you actively contact the bank according to your own plan and communicate with the bank, say that you are not evading debts and express your willingness to repay. If it is not a bank but an online lending platform, you can also contact the platform to explain your situation. You must be sincere and don't say anything. For creditors, our attitude can determine their next action.

The above is the related content sharing of "What are the skills for not answering the phone". I hope I can help you!

What are the skills of not answering the call?

1. If you are bombarded by the collection phone of the online loan platform and don't want to answer the collection phone, you can refer to the following 9 points.

1. Install a screening software on your mobile phone to screen all strange calls.

2. Pull all collection calls into the phone blacklist one by one.

3. Complaints and reports to operators such as China Unicom, China Telecom and China Mobile.

4. Report to China Banking and Insurance Regulatory Commission.

5. Complain and report to China Internet Finance Association.

6. Change your mobile phone number.

7. In order to prevent the address book from being exploded, you can take the method of 1-2 days without reply and 1 day reply. Don't say that you didn't pick up the collection on purpose, try to prevaricate with various reasons, such as no power, no signal, inaudible, mute and so on.

8. You can make up an excuse to say that you have to work to make money recently, and you can't use your mobile phone for the time being, and then negotiate repayment after you come back.

9. If you really don't want to pay attention, don't answer the phone. After a while, the other party will know your tough attitude, but this method will lead to the explosion of the address book, so communicate with family and friends in advance.

Extended data:

First, it is suggested to try to receive calls, mainly for the following reasons:

1. If you don't answer the collection phone, the family, friends and collection staff in the unlucky address book will turn to the phone to harass.

2. When you answer the phone, you can negotiate, try to control the repayment amount within the legal scope, and try to solve what can be solved.

3. Every time you communicate with the collection, you should keep the chat records and total memories, and the identities of both parties should appear in the dialogue, and you should express enough willingness to repay. It is very useful to report complaints in the future.

4. You can properly handle the collection and repeat the reasons for overdue repayment. After a long time, the other party will agree to your negotiation plan.

How can I intercept harassing calls for collection?

1. Install interception software. You can install software to intercept strange calls in your mobile phone. There are many similar apps on the market, such as Tencent Mobile Manager, 360, etc., which can be whitelisted and blacklisted, and the interception methods are also different, such as intercepting non-address book calls, unknown calls, and suspected fraud. , which helps to intercept online loan collection calls.

2. Mobile phone native system. Both Android and Apple phones have harassment identification and interception functions. For example, Android phones can click "More"-"Stop Harassment"-"Settings"-"Blocking Rules" on the dial-up interface, add a blacklist of numbers by themselves, block all strangers or all incoming calls, and even block spam messages. 1, call the police. Many online lending platforms will use software similar to "call you to death" when they burst the address book. In the face of such behavior, borrowers can call the police to defend their rights.

3. Complain to the operator. When we can't stand the harassment of the collection phone, we can complain to the officials of China Mobile, China Unicom and China Telecom and ask the operators to freeze the collection phone number.

4. Download shielding software to directly block any strange phone calls. Only by paying back on time and not overdue can we limit the online lending platform from making phone calls on your communication. If it is overdue, you need to pay back the money in time. If the funds are insufficient, you can take the initiative to contact the online lending platform and apply for deferred repayment.

Note: When the online loan is overdue, the borrower must not hide from the online loan platform. The more he hides, the greater the possibility that the platform will get through the filing phone for collection.

Online lending is the abbreviation of online lending, including personal peer-to-peer lending and commercial peer-to-peer lending. Article 197 of the Contract Law stipulates that a loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of the loan contract include the loan type, currency, purpose, amount, interest rate, term and repayment method.

Consequences of overdue online loans: 1. Affect loans. 2. Affect travel. 3. Affect employment. 4. Affect family relationships. 5. Generate high penalty interest and liquidated damages. 6. Affect the credit record. 7. Become a fine collection. 8. Being sued by a financial institution. 9. Become an untrustworthy person.