It is illegal to call on the borrower's parents to bomb by phone. You can choose the following channels to make a complaint:
1. Report complaints to some complaint platforms, such as gathering complaints, black cat complaints, China Internet Finance Association, China Banking Regulatory Commission, etc.
2. Report to the 1232 1 Network Bad and Spam Information Reporting Center at 010-1.
If one platform has no complaints, you can try other platforms. But when you complain, you must keep relevant evidence, such as phone screenshots and phone recordings. In short, the more sufficient the evidence, the greater the possibility of a successful complaint.
Generally, collection calls to family members are mostly related to the borrower's inactive repayment attitude or inability to contact by telephone. Therefore, in order to prevent family and friends from being harassed, it is recommended that you repay the loan on time and not overdue.
How to stop the loan from calling parents? There are these methods!
; ? Nowadays, many young people are used to various loans to solve financial problems. After all, they are adults and want to solve most things by themselves, so they won't let their parents worry. Therefore, the loan is also a relatively private matter, and it is best not to let parents know. But some loans may be made to the borrower's parents. How to stop them?
First, avoid applying for informal loans.
The more informal the loan platform, the more active it is to obtain the borrower's personal information. Not only should the borrower's mobile phone address book, SMS and telephone number be authorized, but also the service password should be provided so that all the personal resources of the borrower can be known.
Due to the high interest cost of informal loans, overdue is very common. Once the borrower refuses to repay the loan, the lending institution will not agree to negotiate and will call your parents immediately.
Therefore, I suggest that you keep your eyes open before lending, and don't choose illegal lending platforms, otherwise the explosion of address books and telephone bombing will seriously affect your personal life.
Second, how to prevent loans from calling parents?
In addition to the above, don't choose illegal usury or conventional loan platforms to borrow money, try to choose bank financial institutions to borrow money, so as to avoid your relatives and friends being bombarded by loans.
In addition, mobile phones have blacklist and whitelist functions, which can help parents set interception functions, intercept strange numbers, fraudulent text messages and telephone calls, and some third-party management software, which has many functions and can intercept many harassing calls.
In short, first of all, you need to confess the relevant contents of the loan to your parents, and then avoid them being harassed by the collection. You can also collect evidence to report complaints against these violent collection agencies.
What should I do if my credit card is overdue and my family is harassed by phone?
; ? Many people think that the consequences of overdue credit cards only affect the credit of cardholders and generate high interest, but they don't know that it will also affect the normal life of cardholders. As far as we know, if the cardholder fails to collect it within the time limit, some banks will call to harass their families. How should cardholders protect their rights and interests in the face of telephone harassment from banks?
On this issue, we should analyze it from several aspects. One is to see whether the bank's collection behavior is legal, and the other is how to safeguard its own rights and interests.
1. Is it legal to harass family members for collection by overdue phone calls?
Credit card overdue collection is generally divided into two forms, one is the internal collection of the credit card collection department of the bank, and the other is the collection entrusted by the bank to a third-party company. However, no matter which way is adopted, legal collection means must be adopted, and legal collection means do not include improper collection behaviors such as violence, coercion, intimidation or abuse.
Although it is legal for banks to recover debts from cardholders or entrust third-party institutions, it is illegal to harass cardholders by telephone. Because according to the Measures for the Supervision and Administration of Credit Cards of Commercial Banks, only debtors and their guarantors can be collected, and no third party unrelated to debts can be collected.
Second, what should I do if I encounter a credit card overdue phone call to harass my family?
According to the Measures for the Supervision and Administration of Credit Cards of Commercial Banks, the collection can only be directed at the debtor himself and his guarantor. When other family members or friends are harassed, they can choose to call the police.
In other words, if your family is harassed by a bank or a third-party collection company outsourced by a bank, and the collection party threatens, intimidates or insults your family on the phone, then you can choose to call the police and protect your rights and interests through law. Of course, you must provide evidence of the other party's violent collection before you can call the police.
As for how to obtain evidence, you can take the initiative to contact each other and record the whole process as evidence. Tell them their current situation on the phone and tell them that they are willing to pay back the money. Ask them not to harass your family by phone, tell them that the law does not allow violent collection, and let them completely record each other's tone and related things.
Call the police immediately after collecting evidence, and you can give the collected telephone recordings to the police as evidence and ask the police to impose administrative penalties on the perpetrators.
The above is "What should I do if my credit card disturbs my family?" . In short, it is illegal to harass family members with overdue phone calls with credit cards. In this case, it is best to take legal measures to protect the rights and interests of family members. Of course, this will eventually cure the symptoms, and the best solution is to pay off the money immediately after it is overdue.
How to solve the collection and call your family? Try these methods.
; ? Many people desperately want money to borrow loans everywhere, but they are afraid of collection when they are overdue. You know, loans overdue not only calls himself, but also his family, friends and relatives who are contacts in the address book may receive a reminder call. Some people will ask how to solve the collection and call home. Let's have a look.
How to solve the collection and call your family?
It can be said that as long as the borrower fails to pay off his debts for one day, he and his family may be urged to call all the time. Although it is very tiring to answer the phone at both ends for three days, even if the collection is not violent. The only way to solve this problem completely is to pay off all the money owed.
After all, after paying off the debt, the loan platform will not collect it again, and the borrower will have nothing to do, except that the bad credit record caused by overdue will not be eliminated for the time being, but as long as the loan or credit card is not processed within one or two months or six months, nothing else will have any impact.
As for how to repay the loan, the borrower has two ways to go:
One is to borrow money from relatives and friends to pay off this debt. If you owe a lot of money, it is recommended not to borrow it from one person at a time. You can borrow from more people, and it will be easier to borrow less. In the process of borrowing money, you should show sincerity, make sure to pay the debt well, agree on the repayment period, and pay interest if possible.
One is to take the initiative to contact the loan platform, put forward their own difficulties, show their willingness to repay, and see if they can negotiate repayment with the loan platform. Generally, it is easier to get the consent of the loan platform by preparing your own income certificate and poverty certificate. Once the negotiation is successful, the loan platform will suspend collection and the borrower will repay the loan on time.
The above is the introduction of "How to solve the problem of calling your family", and I hope it will help you.