1. If the lender entrusts a third-party collection agency, then the third-party collection agency has the right to sue the lender.
2. The third-party collection agency can only collect money from the lender without being entrusted by the lender.
3. Lending institutions or third-party collection agencies rarely refuse to sue lenders because they owe money, because it takes a long time to sue, which is thankless for these institutions. These institutions generally use the method of collection to let lenders repay, unless the amount owed by lenders is too large and the overdue time is too long, they will not sue.
legal ground
The Supreme People's Court's Opinions on the People's Court's Trial of Lending Cases
Thirteenth in the loan relationship, the person who only plays the role of contact and introduction does not bear the guarantee responsibility. If there is a real intention to guarantee the performance of the debt, it shall be recognized as a guarantor and bear the guarantee responsibility.
People's Republic of China (PRC) Civil Code
Article 195 If the limitation of action is interrupted by bringing a lawsuit, and one party requests or agrees to perform its obligations, the limitation of action shall be recalculated from the time of interruption, and whether it exceeds the limitation of action shall depend on the specific circumstances.
Criminal law of the people's Republic of China
Article 193 Whoever defrauds a bank or other financial institution of loans for the purpose of illegal possession under any of the following circumstances, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property.
Fabricate false reasons such as introducing funds and projects.
(a) the use of false economic contracts.
(2) using false documents.
(three) the use of false proof of property rights as a guarantee or repeated guarantee beyond the value of collateral.
(4) obtaining loans by other means.