Online loan (consumer finance)+credit card
Online loan type violent collection
One: (explosive address book) The collection staff harassed your family, colleagues and friends by calling: this is also commonly known as "explosive address book". If this happens, the parties should never refuse to answer the phone call of the collection staff. What you have to do at this time is to negotiate the repayment time with them. If the collection personnel continue to call your friends and family within the repayment time agreed by you, you can complain to the CBRC at this time, because the CBRC has strict requirements and supervision on cash loans, so this move is very effective for the collection of cash loans. (Keep the record of negotiated repayment time for easy provision)
Second, the collection staff said that you are suspected of financial fraud: usually many collection staff will say this. First of all, you should understand that any loan you apply for is provided by real name, without providing false identity information. All your information is your own real information, so it is not fraud under this condition. At this time, you can emphasize to the collection staff that all the information filled in my loan is true and does not constitute fraud. If you insist that I am cheating, you can sue, but (it is worth reminding here that this is really nothing to be proud of. It can be handled as a civil case, but the amount is not large, and the online loan company will not sue you. Even if they do sue, the chances of winning the case will not be great, and the cost and time will not be worth the loss, so don't be scared. If there is a court summons, you can check the authenticity. However, if you do receive a summons and still refuse to pay back the money, this will be blacklisted. )
Third, the collection staff threatened "indecent photos" and "home collection". This practice is definitely illegal. If this happens, you can call the police. As we all know, many collectors will threaten with "indecent photos" and "door-to-door collection", but because of this, the public security organs attach great importance to such similar things. If someone really threatens you like this,
Violent collection of credit card types
One: Call family, colleagues and friends to harass them. This is the same as the "address book explosion" I mentioned above, and the handling method is similar. Be sure to answer the other person's phone, because as long as they can contact you, they are not allowed to harass others. This is the bank's express regulation. If you answer their phone, your family, friends or your company also receive similar harassing calls, which
Two: If you receive many collection calls every day, you usually don't answer them, so as mentioned above, don't refuse to answer their calls for any reason. If you don't answer them, they will only call you or someone else. At this time, you can give them a clear explanation and let them contact you at a fixed time every day. The rest of the time is not convenient for you to answer the phone. This is your working time. If they don't cooperate, you can call the bank to complain (save the communication recording).
3. Send a letter in the name of a lawyer or court: When you receive a similar letter or text message, in this case, it is basically the bank that gives your debt to the outsourcing company, because these means are often used by the outsourcing collection company. At this time, you must ask the outsourcing company for two things: 1. What institutions are they; 2. What is the name of their company? After mastering the evidence, you can complain to the bank customer service. (This is what the last article mentioned: impersonating the public security law and forging the certificate of the public security law)
Four: Suspected of credit card fraud: If the overdraft principal of a single bank (customer data between banks are not interoperable) is more than 20,000 yuan, and you have not repaid it after three times of collection by the relevant regular bank personnel, and there is no repayment record in the last three months (you can repay a little appropriately, which means that there is a repayment record), this standard is the filing standard of credit card fraud cases. At this time, you need to measure it yourself. (Please refer to Article 2 of Online Loan Collection)
The responsible party should do the following three things to safeguard its legitimate rights and interests (the more you evade, the more rampant the illegal collection)
One: Tell the other party clearly that you must show the name of the company to which you belong (such as XXX Information Consulting Co., Ltd.) when calling, otherwise you will refuse to receive his harassing calls, because these are defined as fraud or harassing numbers.
Two: Before communicating personal information with you, ask the other party to inform the company's full name (non-platform name), an artificial number (usually fabricated by the collector), the real name of the collector and the ID number of the collector. A rejector is defined as a fake fraudster who is insincere and dishonest. )
Three: communication Call them to communicate and set a time range, otherwise they will not answer at other times. Be sure to inform the collection staff to upload the time information that can be communicated by telephone, otherwise they will complain to the platform or bank customer service. (Save the recording, the platform or bank customer service will pay attention to the complaint)
If it is seriously overdue, but there is a willingness to repay at present and communication is needed, how can we turn passivity into initiative?
One: In addition to the maximum annualized interest of 24% protected by law, no extra interest will be given, and good evidence should be kept for each repayment. (Prepare screenshots of loan principal and repaid principal and interest in advance)
Two: keep all the evidence illegally collected by the other party, including short messages, telephone recordings, harassing calls to family and friends, etc. In particular, sending information in the name of pretending to be the national public security or the court (public security law) and fabricating false information that is being filed to intimidate the parties to repay. (An important means to communicate and repay the remaining principal)
Three: Contact illegal collectors and tell them that all illegal collections have been obtained. If you harass them again, you can report the case immediately and call the CBRC. (An important means to communicate and repay the remaining principal)