Solution: 1 Call the police. If the borrower continues to be harassed by collection calls, which has affected his normal life, and even his family and friends have access to the address book, then he can collect evidence, record and call the police. According to the regulations, any collection personnel shall not influence borrowers and their families through soft and violent means such as harassment and threats. If soft violence occurs, the public security organ has the right to deal with it, and the collector may bear criminal responsibility. 2. The general complaint platform has no effect on online loan collection. You need to find the CBRC and directly complain about the online lending platform. Whether it is the collection staff of the online loan platform's own department or the third-party collection agency entrusted by it, it is unreasonable as long as it is collected by phone more than three times a day. In this case, the borrower can record, SMS screenshots, and complain to the China Banking Regulatory Commission by mail or telephone. 3. Prosecution As long as the borrower can produce enough evidence to prove that the collection personnel did use some violent means in the collection process, they can choose to sue directly. The object of prosecution can be the online loan platform or the collection personnel. The court will accept the lawsuit after receiving it. The court will also organize online lending platforms to conduct private consultations with borrowers. According to Article 673 of the Civil Law of People's Republic of China (PRC), if the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract. Article 674 The borrower shall pay interest at the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan. Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.
legal ground
Article 673 of the Civil Code of People's Republic of China (PRC): If the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract.
Article 676 of the Civil Code of People's Republic of China (PRC) If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.
How to solve the problem that the collection phone keeps calling? Three ways to deal with collection calls easily
; ? There are more and more platforms that can provide loans to people in the market. Many borrowers have accumulated a lot of debts because of impulsive consumption or habitual consumption in advance, which eventually leads to their inability to repay. Finally, loans overdue. After loans overdue, you will receive a reminder call. How to solve the problem that the collection phone keeps calling? Three ways to make it easy for everyone to deal with collection calls!
How to solve the problem that the collection phone keeps calling?
1, active communication
When the borrower receives a collection call, he must not blindly avoid it, which will only make more and more collection calls. What matters is the borrower's repayment attitude and willingness. The borrower can choose to contact the collector actively to show his current situation and then inform the collector of his current income.
It is best to make a more detailed repayment plan and negotiate with the collection staff. After all, the original intention of the collectors is to recover the arrears. As long as the borrower has a good repayment attitude, the collection staff will not increase the difficulty.
Step 2 be sued
If the borrower really doesn't want to be harassed by the collector, he can let the lender sue himself. When the borrower is sued, the court will organize the borrower to negotiate with the lender, and can also talk about applying for extension or interest reduction. Moreover, after being sued, the court will make corresponding adjustment measures according to the borrower's economic situation.
3. Prosecute the payee
If the collection staff keeps calling the borrower's phone, or even frequently contacts the borrower's family, friends or units, it is equivalent to "soft violence collection". Soft violence collection has been punished, and the borrower can choose recording, short message screenshot, etc. After collecting relevant evidence, he can directly sue the collector.
The above is the related content sharing of "How to solve the problem of non-stop collection", I hope it will help everyone!
After the online loan is overdue, what should I do in the face of collection calls?
First of all, answer directly.
If the online loan is overdue, you must communicate with the lending institution in time to see if you can apply for deferred repayment or reduce some penalty interest, and you need to actively communicate with the platform.
Second, the specific analysis
Of course, you can also borrow money from relatives and friends, and pay back the overdue loan first, so as to avoid further expansion of overdue influence.
After the online loan is overdue, you need to bear the following consequences.
1, credit will be hurt.
2. It will be collected by the platform.
3. Penalty interest will be calculated.
4. The loan amount will be reduced.
5. The loan amount may be frozen.
6. Affect other loan applications.
7. Occupation is affected by credit information damage.
8. Will be blacklisted.
9. Affect children's further education.
10, unable to enjoy preferential loan policy.
It can be seen that loans overdue has a great influence on loans. After the loan application is successful, you should still remember to repay it on time.
Don't pin your hopes on deferred repayment or negotiated repayment, because some lending institutions don't support it.
Before formally applying for online loans, you need to carefully consider your own economic strength and borrow reasonably on the premise that your income can cover your loan expenses.
You can get the online loan big data report from the platform of "Xiaoqi Credit Information", which contains information such as online loan history, overdue details of online loans, liabilities, untrustworthy information, and online loan blacklist.
Third, how to negotiate if the online loan is unable to repay after the deadline?
If the online loan cannot be repaid within the time limit, it is recommended to take the initiative to explain to the platform customer service that you are temporarily unable to repay, and prepare relevant materials to prove that you did not intentionally repay, and then try to apply for an extension of the repayment period and repayment by installments.
The platform should be considered as appropriate. If it finally agrees, it can negotiate a new repayment plan with the platform, and then repay in installments on time according to the new plan.
However, the platform may also refuse. If negotiation fails, we can only find another way, such as finding ways to borrow money from family and friends around us.
What everyone needs to pay attention to is that some online loans are informal and may be deliberately charging high interest. Once you find that your online loan has reached the standard of usury, you can actually choose not to pay back the fees beyond a reasonable range.
If the platform keeps dunning, it can also collect relevant evidence and report it to the local CBRC or China Internet Finance Association.