There is no need to call the police, because there is no guarantor for online loans, only emergency contacts.

The guarantor's responsibility is to guarantee the loan of others. If the lender can't repay the loan, he will ask you to bear the legal responsibility for repayment. Section 1 Guarantee and Guarantor Article 6 of the Guarantee Law of People's Republic of China (PRC): The term "guarantee" as mentioned in this Law refers to the act that the guarantor and the creditor agree that when the debtor fails to perform the debt, the guarantor will perform the debt or assume the responsibility according to the agreement.

But the online loan has no guarantor, and you just become the emergency contact of the lender. It won't affect you, but the debt collection company will bomb your mobile phone number to scare you.

So you don't have to call the police. It doesn't matter.

Leave me my phone number without my knowledge.

At present, many borrowers need to fill in the telephone number of the emergency contact when they borrow money. If you become an emergency contact without knowing it, it is very annoying, because after the borrower is overdue, the loan company will call you for collection. How to solve this situation? Let's have a look!

Leave me my phone number without my knowledge.

First of all, it's none of your business. Although I left your phone number, you are neither a borrower nor a guarantor, and you don't need to bear any responsibility. Secondly, you can clearly tell the other party not to call again on the phone and tell you that you are not a borrower or a guarantor. You don't know why the borrower left your phone number or where the borrower is now. And clearly inform the harasser to call the police and block the phone.

I don't know what to do if someone leaves my phone number for a loan.

Don't worry about this situation, don't answer the phone again, just pull the black, it won't affect you personally, because you are not his emergency contact at all.

Generally, many lending institutions will read the data of customers' mobile phone contacts and telephone records in the past six months when handling loans. When the customer fails to repay the loan or can't contact him, he will send text messages or call all the contacts to put pressure on the borrower himself, so you are actually not his emergency contact at all. If the other party keeps calling you, you will say that you are also a lender, and he has also borrowed money from your company. You also asked him for money recently. The other party thinks you are a colleague and won't bother you any more.

Someone has been harassing me with my phone number. What should I do?

1, call again, turn on the recording, and try to find out their company; And turn on the recording, explicitly refuse on the phone, and then answer the phone (talk well and don't swear); And tell the collection staff that you are a member of the mutual gold circle and know the regulatory policy. If you continue to call, go to the local financial office to complain, and provide recording materials to the local financial office and the anti-gang office; (Under normal circumstances, the collection phone will not come again, and all localities have been cracking down on collection recently);

2. If you want to be rejected by the other party, go directly to the accounting office to complain according to the above method. Perhaps, in a few days, you will see the news that Tonghua police "cracked a particularly serious illegal cross-border collection gang case"?

This is a relatively standardized requirement in the industry at present, and you can refer to it.

Without knowing it, use the mobile phone number as a guarantor.

Without knowing it, there is no such thing as a mobile phone number being used as a guarantor. The guarantor must bring his ID card and take a photo of it. It is not feasible to guarantee directly with his mobile phone number. If it is a guarantor, it is divided into general guarantee and joint liability guarantee. If it is to provide collateral guarantee, it is only responsible for the value of collateral.

After the guarantor is arrested, he will not be sentenced as long as he does not deliberately evade debt performance during the execution stage. If you refuse to perform the judgment, you may be investigated for criminal responsibility, but this situation is relatively rare. Generally, the guarantor's property will be forced to freeze first.

Article 266 of the Criminal Law of People's Republic of China (PRC) stipulates that if the amount of public or private property is relatively large, it shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also, or shall only, be fined for not less than three years but not more than 10 years. If the amount is especially huge or there are other particularly serious circumstances, it shall be sentenced to fixed-term imprisonment of not less than 10 years and shall also be fined or confiscated. Where there are other provisions in this Law, such provisions shall prevail.

Article 271 Any staff member of a company, enterprise or other unit who, by taking advantage of his position, illegally takes the property of his unit for himself, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention and shall also be fined; If the amount is huge, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; If the amount is especially huge, he shall be sentenced to fixed-term imprisonment of not less than 10 years and fined.

Personnel engaged in public service in state-owned companies, enterprises or other state-owned units and personnel appointed by state-owned companies, enterprises or other state-owned units to engage in public service in non-state-owned companies, enterprises or other units shall be convicted and punished in accordance with the provisions of Articles 382 and 383 of this Law.

Article 272 Any employee of a company, enterprise or other unit who, by taking advantage of his position, misappropriates the funds of his unit for personal use or lends them to others, and the amount is relatively large, which has not been paid back for more than three months, or, although it has not been more than three months, the amount is relatively large, and he is engaged in profit-making activities or illegal activities, shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention; Whoever misappropriates a huge amount of funds from his own unit shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years; The amount is especially huge, more than seven years.

Personnel engaged in public service in state-owned companies, enterprises or other state-owned units and personnel appointed by state-owned companies, enterprises or other state-owned units to engage in public service in non-state-owned companies, enterprises or other units shall be convicted and punished in accordance with the provisions of Article 384 of this Law.

Whoever commits the act mentioned in the first paragraph and returns the misappropriated funds before initiating public prosecution may be given a lighter or mitigated punishment. Among them, if the crime is minor, the punishment may be mitigated or exempted.

Someone else's mobile phone loan says I am the guarantor, but I don't know if my bank card will be frozen.

No need.

According to the Guarantee Law of People's Republic of China (PRC), the guarantor shall not bear civil liability under any of the following circumstances: (1) The parties to the main contract collude to defraud the guarantor to provide a guarantee. (two) the creditor of the main contract uses fraud, coercion and other means to make the guarantor provide a guarantee against the true meaning. After assuming the guarantee responsibility, the guarantor has the right to recover from the debtor. After the people's court accepts the debtor's bankruptcy case, if the creditor fails to declare his creditor's rights, the guarantor may participate in the distribution of bankrupt property and exercise the right of recourse in advance.

Let's not talk about the uninformed introduction of the mobile phone loan guarantor.