If you encounter collection means, address book explosion, p-picture, phone text message harassment, etc. , choose 1232 1 complaint is the most effective.
In a word, it is most effective to complain to these departments in case of violent collection.
And you can directly call the complaint number 123 15, and then complain about the problems we have encountered. This method is more convenient and faster.
In case of harassment of family members, the parties can report the case directly through complaints, reports or alarms. If there is an emergency, such as the loan company sending someone to the door to demand payment, using abusive, threatening, intimidating, smearing and other ways to take excessive actions against the borrower's family, then you can immediately call the police and immediately stop the behavior of the dunner. Anyway, you need to keep the evidence.
If it is really unable to repay, it shall negotiate with banks or lending institutions to extend the repayment period or repay it in installments.
What happens if you don't borrow money?
1. If a lending institution or bank fails to perform the judgment of the court within the performance period after winning the case in court, it will apply to the court for enforcement.
2. When accepting enforcement, the court will inquire about the real estate, vehicles, securities and deposits in the name of the lender according to law.
3. If the lender refuses to perform the effective judgment of the court because there is no enforceable property under his name, negative information such as overdue repayment will be recorded in the personal credit report, which will restrict high consumption and entry and exit, and may even lead to judicial custody.
4. Refusing to execute a judgment or ruling is suspected of refusing to execute a judgment or ruling.
Legal basis: Article 42 of the Law of People's Republic of China (PRC) on Public Security Administration Punishment commits one of the following acts, and shall be detained for not more than five days or fined not more than five hundred yuan; If the circumstances are serious, he shall be detained for not less than five days but not more than ten days, and may also be fined not more than 500 yuan: (1) writing threatening letters or threatening the personal safety of others by other means; (2) publicly insulting others or fabricating facts to slander others; (3) fabricating facts, falsely accusing and framing others, and attempting to subject others to criminal investigation or public security administration punishment; (4) Threatening, insulting, beating or retaliating against witnesses and their close relatives; (5) sending obscene, insulting, intimidating or other information for many times to interfere with the normal life of others; (six) voyeurism, sneak shots, eavesdropping, spreading the privacy of others.