Did the company take out a copy of your ID card?
2. Is it legal for the loan company to keep calling me to harass others?
The loan company has been calling you for the following solutions:
1, first of all, you have to confirm what company this is, whether it is legal or illegal, illegally blacklisting the phone directly, or reporting the phone being harassed.
3. The existence of online lending platforms/car loan companies/installment companies/collection agencies, SMS harassment, threats, looting or possession of property, destruction of credit records, invasion of houses, etc. , should be regarded as infringement and illegal behavior.
In this regard, according to the provisions of Article 2, Article 15, Article 16 and Article 22 of the Tort Liability Law, you can ask the other party to stop the infringement, remove the obstruction, restore the reputation, return the property, apologize and compensate for the losses. Pay attention to identify and prevent risks of operation, finance, credit, compliance, civil liability and even criminal liability.
My colleague borrowed my mobile phone with my mobile phone number, and the loan company kept calling me. now ...
If you are the guarantor, I'm sorry, the bank will recover from you. The guarantor and the borrower are in the same position, and the bank can directly recourse to the guarantor without recourse to the borrower first.
You can consult a lawyer to find out what the guarantee contract you signed guarantees you, such as the scope of your guarantee (fixed or unlimited), and whether there are any illegal situations in the signing process (such as forced signing, or misleading by some terms/artificial explanations, etc.). ) leads to the invalidity or partial invalidity of the guarantee contract.
If the guarantee contract is valid, as a guarantor, you must fulfill the guarantee obligation, otherwise, your credit will also be damaged. Now personal credit reports have been widely used by banks. Once your credit rating drops, you can't borrow money by yourself (or even apply for a credit card) in the future.
4. Is it legal for loan companies to call their families everywhere?
Calling relatives, in this case, the online loan company has been suspected of breaking the law. As long as 18 years old, parents, relatives and friends are not guarantors, this kind of behavior of the loan company is suspected of telephone harassment and can call the police. Of course, if the phone number you left at that time belongs to your relatives and friends, you should also bear the responsibility yourself. If it has nothing to do with harassing your relatives and friends, it is suspected of breaking the law, but in this case, it is difficult for you to investigate the responsibility, and only paying off the loan is the solution. If the amount is high, it may involve your problem.