How to deal with family members being harassed by SMS?

If you encounter violent collection that affects your family, you can keep the relevant vouchers and report to the police, or you can complain to the corresponding departments and let them handle it. To avoid similar situations, the first thing to do is not to have overdue behavior, otherwise collection is essential.

1. What if my family is harassed after the online loan is overdue?

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.

Second, is it illegal to harass family members when online loans are overdue?

This is illegal. If the online lending platform collects various payments from users and their families during the collection process, complaints can be made if they do not meet the requirements.

Users who have an impact on family life can call the police. General online lending platforms should directly contact users. Unless you can't contact, you can contact the emergency contact person filled in when the user applies for a loan. At other times, they can't disturb users' family and friends at will.

Many people will face overdue collection, some are civilized collection, but some may be violent collection, and some may even harass their families. No matter what kind of collection, its purpose is to let yourself repay as soon as possible, so if you want to avoid similar situations, try not to have overdue behavior, otherwise it is inevitable to encounter such things.