Did the company get 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 looking for the following solutions from you:
1, first of all, you should confirm what company this is, whether it is legal or illegal, blacklist the phone directly illegally, or report the phone being harassed.
3. There are online lending platforms/car loan companies/installment companies/collection agencies, SMS harassment, threats, looting or embezzlement of property, destruction of credit records, invasion of houses, etc. , should be regarded as infringement and illegal behavior.
In this regard, you can make a request to the other party or bring a lawsuit to the people according to the provisions of Articles 2, 15, 16 and 22 of the Tort Liability Law, asking 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 identifying and preventing 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 have the same status, so the bank can directly recover from 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.). ) causes the guarantee contract to be invalid or partially invalid.
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 will not be able to get loans (or even apply for credit cards) yourself 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 you are over 18 years old and your parents, relatives and friends are not guarantors, this behavior of the loan company is suspected of telephone harassment and you 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.