Dunning companies are legal as long as they are established according to law. Dunning companies must abide by the law and discipline when collecting debts, and must not use violence to collect debts. Within the scope permitted by law, it is reasonable and legal to collect money. In this case, it is legal to collect money at home. If the overdue third-party collection is illegal, the collection must keep the recording, video and other vouchers, and call the police to protect their rights and interests. Illegal collection includes the following situations: 1. It is illegal to collect the relatives and family members of cardholders. Only the debtor himself and his guarantor can be collected, and no third party unrelated to the debt can be collected. 2. The collection enters the cardholder's house without permission, scaring middle-aged and elderly people and minors. , causing a commotion. 3. The debtor is beaten or intentionally injured in door-to-door collection, or illegal detention, kidnapping, painting, extortion and other methods are used in debt collection.
Legal basis:
People's Republic of China (PRC) Civil Code
Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.
Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.
Derivative problem:
How to complain about the collection staff?
1. First, complain about the credit card collector. If we are improperly collected, we need to collect and master relevant evidence. 2. Second, we can make a complaint by calling the special bank hotline of the credit card and provide the work number of the staff who need to complain. Thirdly, we can also call the customer service hotline to safeguard personal rights and complain about credit card collectors. 4. Fourth, you can complain about credit card collectors to the branches or offices where the local CBRC is located.