Is it legal for Alipay to call family?

Legal analysis: most of the disputes between ant flower buds and users are ordinary contract disputes. If the flowers are overdue, if they are not returned for a long time in bad faith, Sesame Credit will be blacklisted, and ant flowers can not be used or borrowed in the future. If the amount is large, they may be prosecuted. If you don't return it, you will also report it to the People's Bank. In the future, the handling of loans and credit cards will be affected. At the same time, there will be a penalty interest, and the longer the overdue period, the higher the penalty interest.

Dunning companies must abide by the law when collecting debts, and must not use violence to collect debts. (Dunning companies obtain personal information of debtors through legal channels, such as letter collection, telephone collection, on-site collection and litigation collection. And the village Committee, neighborhood Committee, work unit, credit reporting agency).

In case of violent collection, you can provide relevant evidence and call the police directly. In addition, it is also effective to complain to 1232 1 Internet Bad and Spam Reporting Acceptance Center, Finance Office where the collection company is located, and CBRC. Although the current situation of violent collection has improved, there are still illegal collection companies that carry out violent collection, so actively complaining and reporting is the best way to safeguard their legitimate rights and interests.

If the borrower and the lender have an agreement on overdue interest rate, such agreement shall prevail, but the annual interest rate shall not exceed 24%. If the overdue interest rate is not agreed or clearly agreed, the people's court may handle it according to different circumstances:

(1) The lender claims that the borrower should pay the interest during the period of capital occupation at the annual interest rate of 6% from the date of overdue repayment, and the people's court should support it because the interest rate during the loan period has not been agreed;

(2) If the interest rate during the loan period is agreed, but the overdue interest rate is not agreed, the people's court shall support the lender to claim that the borrower shall pay the interest during the capital occupation period according to the interest rate during the loan period from the date of overdue repayment.

Legal basis: Article 675 of the Civil Code of People's Republic of China (PRC) stipulates that the borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.

Article 42 of the People's Republic of China (PRC) Public Security Administration Punishment Law shall be detained for less than five days or fined less than five hundred yuan for any of the following acts;

If the circumstances are serious, they shall be detained for more than five days and less than ten days, and may be fined up to five hundred 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 public security administration punishment;

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

(5) sending obscene, insulting, intimidating or other information for many times to interfere with the normal life of others;

(six) voyeurism, sneak shots, eavesdropping, spreading the privacy of others.