How to deal with the short message sent by the collection staff?

First, how to deal with the threat of sending text messages to collection companies

(1) Report through 1232 1 platform.

If our loan or credit card is overdue, and the collector sends a threatening message in the process of urging us to repay, it is a violent collection, and we have the right to report it.

We can report threatening messages sent by the collection company through the platform of 1232 1. 1232 1 is a public complaint accepting institution entrusted by the Ministry of Industry and Information Technology in internet society of china. We can submit our threatened information through official website, official telephone, mobile APP, WeChat official account and email. After verifying the information, the platform will contact the collection company for maintenance.

(2) Report through China Internet Finance Association.

China Internet Finance Association is a national self-regulatory organization of Internet finance industry established by relevant state departments. It is improper to collect the company's threats by sending short messages, including within the reporting scope stipulated by the platform. We can log in to official website, China Internet Finance Association, and click the reporting platform in the service window to report online.

In the process of reporting, it should be noted that the report must be made in real name, and detailed evidence of illegal facts should be submitted as the attachment of the report. The same reporter can submit up to 5 reports every day.

The platform will preliminarily verify the reported matters within 15 working days after receiving the reported information and hand them over to relevant management departments for handling.

(3) reporting the case through the public security department

Urging the company to send us threatening text messages is an infringement and illegal act. We can report the case through the public security department.

When we report the case to the public security organ, we should sort out all the evidence of threatening text messages sent to us by the collection company, and collect screenshots of text messages and other evidence that can explain the facts.

If the public security organ finds that our rights have been violated, and the disclosure has caused some adverse consequences, and there is conclusive evidence, it will call the police and the public security organ will file an investigation. After the results of the case investigation come out, we will receive a notice from the public security organ.

Second, how to avoid receiving threatening text messages

(A) choose a formal loan platform

Generally speaking, improper violent collection is not allowed, and formal financial institutions will not carry out violent collection, so when applying for loans or credit cards, we should choose formal licensed financial institutions to apply.

Applying through formal financial institutions can not only protect our rights and interests in the process of using loan funds and credit cards, but also avoid the intrusion of some illegal acts into our daily life.

(2) The fundamental reason for ensuring timely repayment is that we are overdue. If we can repay the loan on time in the process of repaying the loan or using the credit card, we won't be harassed by dunning text messages or phone calls.

For us, timely repayment can not only protect us from the harassment of collection, but also have a great impact on our credit level. Only by timely repayment can we have a good credit level and help us apply for follow-up loans or credit cards.