1. Contact the bank that sent the dunning information to the mobile phone number. Remember not to contact the phone number on the dunning SMS. Call the official number of the bank. For example, CCB will call 95533, then ask the customer service to explain the situation, ask the bank to change the contact information of the original owner, or contact the original owner through other channels.
2. Cancel this mobile phone number.
You can go to the business hall to cancel your mobile phone number, and then buy a new number, so that this will not happen. However, it is best to explain the situation to the sales staff when handling the new number, and then find a better reputation or a new number.
3. Call 1232 1 to make a complaint.
1232 1 is the telephone number of the network defect and spam reporting center. Calling this number to make a complaint can not only block spam messages in the mobile phone, but also block harassing calls in the mobile phone.
People who borrow usury should know that their debt collection methods are very bad and cruel. Many people once knew a thing or two about usury's debt collection methods from the news, so they were worried about usury's debt collection, and relatives or friends borrowed usury. Then, how to deal with usury and debt collection, it is suggested that interest and principal should not exceed 24% of the annual interest rate. If you encounter threats again, it is recommended to call the police. Usury refers to a loan with extremely high interest. Or big ears, underground money houses, these money lenders, now called "money lenders", borrow money from "usurers" without mortgage or even written evidence. It came into being at the end of primitive society and was the basic form of credit in slave society and feudal society. In other words, before the emergence of capitalist society and the establishment of modern banking system, private lending was of high interest. The interest rate is four times higher than the bank's loan interest rate for the same period, which belongs to usury. Usury, as a cruel means to deprive borrowers of private property, was particularly prevalent in the old society of China. The most common is the so-called snowballing, that is, those who fail to repay within one month turn their profits into principal, and the principal is upside down, which is the most severe form of compound interest calculation.
legal ground
People's Republic of China (PRC) Civil Code
Article 392 Where the secured creditor's right is secured by both things and other things, if the debtor fails to perform the due debt or the parties agree to realize the security right, the creditor shall realize the creditor's right in accordance with the agreement; If there is no agreement or the agreement is unclear, and the debtor provides the security of the property himself, the creditor shall give priority to the realization of the creditor's right with respect to the security of the property; Where a third party provides a property guarantee, the creditor may realize the creditor's right with respect to the property guarantee, or may require the guarantor to assume the guarantee responsibility. The third party providing the guarantee shall have the right to recover from the debtor after assuming the guarantee responsibility.