What if loans overdue's family and friends are harassed?

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 methods can be used to solve the violent collection of online loans and telephone harassment of relatives and friends?

For third-party collection from online loan companies, if the phone calls of relatives and friends or units disturb the normal work and life of people or units around them, units and relatives and friends around them can call the police to prevent the collection company from violating the law and discipline.

Online lending platform companies, without permission, have a serious impact on the telephone calls of your work unit and relatives and friends, so online lending companies have violated the law. We should take up legal weapons to safeguard our rights and interests. If the collection company uses illegal means to force people around it, the alarm is affirmative.

Personal experience of netizens

I borrowed a lot of online loans myself. At first, I borrowed the new and returned the old, robbing Peter to pay Paul. Later, I couldn't make up for it. Two days overdue, the collection company exploded his address book. Everyone around him knows that he owes money and is notorious. At first, he thought he didn't want to pay back a penny.

Send some insulting text messages and phone threats to make them ignore the phone, but it's useless. In exchange, their relatives and friends are harassed and then seek help online, like that kind of microfinance. Their ultimate goal is to get the money back and answer the phone.

Then, you tell them that you have all the inappropriate messages, recordings, pictures and other evidence. Under normal circumstances, most collections will not be too harsh, as long as you pay back the principal and reasonable interest.

What should I do if I encounter a collection?

1, don't be weak

Taking over the company is to seize people's fear! In fact, the other party is just bluffing, and it's not worthwhile for them to commit crimes for this. Keep the evidence of the other party's harassment and solve it by law if necessary.

Don't disappear if you can't afford the loan.

You should actively communicate with the lending platform. All the other person wants is money. As long as I can find you, you also promise to pay back the money, and the other party will not act excessively.

3. For some illegal conventional loans,

Then you must call the police. None of these four situations can be carried by yourself, otherwise there will be personal danger.

The state is also cracking down on non-compliant and illegal loan companies.

The most important thing is to stay away from illegal online loans. Once you let yourself get caught up in it, you can't extricate yourself. The interest on the loan is so high that overdue liquidated damages are not even mentioned.

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!