What if I keep getting harassing calls?

How to solve the problem when the collection phone keeps calling?

Solution: 1 Call the police. If the borrower continues to be harassed by collection calls, which has affected his normal life, and even his family and friends have access to the address book, then he can collect evidence, record and call the police. According to the regulations, any collection personnel shall not influence borrowers and their families through soft and violent means such as harassment and threats. If soft violence occurs, the public security organ has the right to deal with it, and the collector may bear criminal responsibility. 2. The general complaint platform has no effect on online loan collection. You need to find the CBRC and directly complain about the online lending platform. Whether it is the collection staff of the online loan platform's own department or the third-party collection agency entrusted by it, it is unreasonable as long as it is collected by phone more than three times a day. In this case, the borrower can record, SMS screenshots, and complain to the China Banking Regulatory Commission by mail or telephone. 3. Prosecution As long as the borrower can produce enough evidence to prove that the collection personnel did use some violent means in the collection process, they can choose to sue directly. The object of prosecution can be the online loan platform or the collection personnel. The court will accept the lawsuit after receiving it. The court will also organize online lending platforms to conduct private consultations with borrowers. According to Article 673 of the Civil Law of People's Republic of China (PRC), if the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract. Article 674 The borrower shall pay interest at the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan. Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.

legal ground

Article 673 of the Civil Code of People's Republic of China (PRC): If the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract.

Article 676 of the Civil Code of People's Republic of China (PRC) If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.

How to solve the problem that the collection phone keeps calling? Three ways to deal with collection calls easily

There are more and more platforms that can provide loans to people in the market. Many borrowers have accumulated a lot of debts because of impulsive consumption or habitual consumption in advance, which eventually leads to their inability to repay. Finally, loans overdue. After loans overdue, you will receive a reminder call. How to solve the problem that the collection phone keeps calling? Three ways to make it easy for everyone to deal with collection calls!

How to solve the problem that the collection phone keeps calling?

1, active communication

When the borrower receives a collection call, he must not blindly avoid it, which will only make more and more collection calls. What matters is the borrower's repayment attitude and willingness. The borrower can choose to contact the collector actively to show his current situation and then inform the collector of his current income.

It is best to make a more detailed repayment plan and negotiate with the collection staff. After all, the original intention of the collectors is to recover the arrears. As long as the borrower has a good repayment attitude, the collection staff will not increase the difficulty.

Step 2 be sued

If the borrower really doesn't want to be harassed by the collector, he can let the lender sue himself. When the borrower is sued, the court will organize the borrower to negotiate with the lender, and can also talk about applying for extension or interest reduction. Moreover, after being sued, the court will make corresponding adjustment measures according to the borrower's economic situation.

3. Prosecute the payee

If the collection staff keeps calling the borrower's phone, or even frequently contacts the borrower's family, friends or units, it is equivalent to "soft violence collection". Soft violence collection has been punished, and the borrower can choose recording, short message screenshot, etc. After collecting relevant evidence, he can directly sue the collector.

The above is the related content sharing of "How to solve the problem of non-stop collection", I hope it will help everyone!

How to solve the problem of credit card call collection?

The solution is as follows:

1, active communication

When the borrower receives a collection call, he must not blindly avoid it, which will only make more and more collection calls. What matters is the borrower's repayment attitude and willingness. The borrower can choose to contact the collector actively to show his current situation and then inform the collector of his current income.

It is best to make a more detailed repayment plan and negotiate with the collection staff. After all, the original intention of the collectors is to recover the arrears. As long as the borrower has a good repayment attitude, the collection staff will not increase the difficulty.

Step 2 be sued

If the borrower really doesn't want to be harassed by the collector, he can let the lender sue himself. When the borrower is sued, the court will organize the borrower to negotiate with the lender, and can also talk about applying for extension or interest reduction. Moreover, after being sued, the court will make corresponding adjustment measures according to the borrower's economic situation.

3. Prosecute the payee

If the collection staff keeps calling the borrower's phone, or even frequently contacts the borrower's family, friends or units, it is equivalent to "soft violence collection". Soft violence collection has been punished, and the borrower can choose recording, short message screenshot, etc. After collecting relevant evidence, he can directly sue the collector.

The main features of credit cards:

1. Credit card is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range.

2. Credit card has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;

Credit card is a high-tech product integrating financial business and computer technology.

4. Credit cards can reduce the use of cash and currency;

5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;

6. Credit cards can simplify the collection procedures and save social labor;

7. Credit cards can promote commodity sales and stimulate social demand.

Main types

According to the different card issuers, it can be divided into bank cards and non-bank cards.

Bank card. This is a credit card issued by the bank. Cardholders can make purchases at special merchants of the issuing bank, or at branches of the issuing bank, or at automatic counters.

The machine office can withdraw cash at any time.

Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

According to the different issuing banks, it can be divided into corporate cards and personal cards.

Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.

Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.

Gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.