How to deal with online loan arrears by calling to harass family members?

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 online loans harassing family members? You can choose these methods to deal with it!

With the continuous development of the credit market, we can see borrowing channels everywhere in our daily life. Many friends will apply for loans from some small online lending platforms when funds are tight. If you borrow, you must pay back. If the lender is unable to repay, it will be collected by the small loan company. How to deal with online loans harassing family members? You can choose these methods to deal with it!

How to deal with online loans harassing family members?

If the collection personnel harass the lender's family by phone or SMS, the lender can choose to take phone recordings and SMS screenshots, find the local public security organ, and call the police directly. According to the relevant regulations, when collecting money, the collection personnel shall not use intimidation or bombing the address book to collect money.

If the collection staff has come to the door to collect money, or even found the lender's work unit, throwing paint at the lender's door and playing funeral music, it is a violent collection. Lenders can choose to call the police directly and then sue the collection personnel. According to relevant regulations, violent collection, threatening personal safety and soft violence collection are all criminal cases.

At the same time, we need to remind everyone that according to the relevant national laws and regulations, the loan interest rate of any lending institution cannot exceed 36% of the national LPR interest rate. The five-year LPR interest rate of 202 1 is the five-year interest rate of the lending institution. If it exceeds, it is illegal, and the excess is not protected by law.

If the collector chooses to go to the lender's home for collection, the lender should pay attention to that if the collector obtains the lender's permission and brings a third party as proof, then the door-to-door collection is legal. It is also illegal for the collection personnel to go to the door directly without the permission of the lender.

The above is the related content sharing of "How to deal with online loans harassing family members", and I hope it will help everyone!

What should I do to harass my family through online loan collection? These three methods are very effective, and it is recommended to collect them.

There are more and more online lending platforms in the market, which means that more and more people borrow money, and products are born only when there is demand. Some people borrow money, others are overdue. After loans overdue, the lender will collect it as soon as possible. What should I do to harass my family through online loan collection? These three methods are very effective, and it is recommended to collect them!

What should I do to harass my family through online loan collection?

1, complaint

No matter what company it is, it can't stand the complaints of users. Especially for online lending platforms, they are afraid of large-scale user complaints. Moreover, relevant laws and regulations clearly stipulate that any collection personnel or third-party collection agency are not allowed to contact the borrower's relatives or friends privately as long as they can contact the borrower himself, which is a soft violence collection.

Therefore, when the borrower is harassed by the debt collector, the borrower can choose to complain directly to the lender. Under normal circumstances, the collection personnel are all from the collection department of the lending institution. There are many collection channels, among which CBRC is one.

Step 2 call the police

Borrowers and their families can collect screenshots of telephone recordings and short messages during harassment, find local public security organs and report to the police directly. According to the regulations, when collecting money, the collection personnel cannot use intimidation or bombing the address book to collect money. In particular, home collection is a serious violent collection. Violent collection, threatening personal safety and soft violence collection are all criminal cases.

Step 3 contact the lending institution

If the borrower doesn't want to make a big deal, he can also contact the lending institution directly to negotiate repayment. First show your willingness and ability to repay, and then ask for negotiation by stages. If the lender disagrees, the borrower can also choose to sue directly.

The above is the related content sharing of "How to do online loan collection to harass family members", I hope it will help everyone!

What should I do if I collect online loans to harass my family?

First, call the police

If the other party has been suspected of threatening, insulting or harassing, then you can collect evidence and call the police!

Note: The ordinary police will not accept it and will not file a case.

The reason is:

1. Online lending is a civil case and should be brought to court;

2, verbal threats, no actual action, so the police will not take further action.

In addition, the police must prepare the evidence, otherwise it is useless.

1, chat history

Step 2 record

The above two are the most important, and we must express our full willingness to repay. If the other party still insults and threatens, the police can stop it in time.

Warm reminder: Keep alarm records in time, such as taking photos and alarm documents, which in turn can deter collectors.

Second, report complaints.

1, the main complaint channel

1) Report SMS and phone bombing

2) Reporting telephone number: 0 10- 1232 1.

3) Click Bad Information Report on the city service pages of WeChat, QQ and Alipay.

4) Official WeChat official account and Weibo WeChat official account attention: 1232 1 reporting center.

2. Loan platform

Why does the other party violently collect money and contact the other party in turn?

If you apply for a formal loan platform, such as a bank financial institution, a licensed loan company, or a large P2P platform, it may be outsourced to a third-party collection company, so that you can collect evidence, contact the company and express your willingness to repay. It is suggested that it may be better to complain to the relevant departments if you violently collect money again.

Is it useful for online loan collection to harass family members?

There are two situations.

1. It's no use just because the family members are harassed by the collectors after the online loan is overdue, only text messages and phone calls. This is just a civil dispute.

Even if you call the police, the public security organ will not necessarily intervene in the investigation, and it is very likely that you will reject your report appeal on the grounds that it does not belong to the business scope. Even if you intervene, it is only a warning to the collection personnel, and it cannot be collected through illegal acts. It is best to solve it through the court. Of course, the collection staff will naturally not listen. Their aim is to collect money successfully. If you can achieve the purpose of repayment by harassing the borrower's relatives, it is naturally the best.

2. If the collection is carried out through violence, such as illegal detention, slander and abuse, physical conflict, etc. Then the nature is different. This has risen from a civil dispute to a criminal case. Calling the police is useful, but it is of little use. I don't know. Anyway, the public security organs have no reason to shirk.

After all, it is illegal to threaten personal and property safety by violent collection, which belongs to the jurisdiction of public security organs. After calling the police, the police uncle has the right to investigate and judge, and the purpose of calling the police is achieved. But if you call the police, you need to provide strong evidence. If you record the illegal behavior of collectors, then with this evidence, they will be punished by law.

Operating environment:

Apple 12, ios 14

Alipay version 10.2.3

Wechat version 8.0. 13

Computer: macbookpro mos 14

Google version 92.0.4515.131.