Brother guangcai
How to deal with overdue collection for several months?
If brother guang has a credit card that is overdue for 5 months, he has not returned it for some special reason. One morning, I suddenly received a call from the legal department of the bank. Generally, this call is made from the bank's 9 * * or landline.
Step one, tell him it's not convenient now,/kloc-call back in 0/0 minutes. Then turn on the recording function of the mobile phone first, and then ask for his work number before calling.
Second, if the payee says Brother Guang has problems such as credit card fraud, I will tell him that the credit card was handled by me through formal bank procedures, and there is no fiction, concealment or fraud.
In addition, I have a good desire to repay, but there have been some problems in my investment recently, and my capital turnover is not open. I will pay the minimum repayment monthly or in installments. (There is repayment every month. Even if brother guang loses in court, the court will consider it comprehensively. )
The third step, if the bank has "external pressure" in the process of collection, that is, find relatives and friends of brother Guang and make trouble at work. Brother Guang will tell them categorically that I am an independent civil actor and the debt is my own, not others'. If the bank is so noisy, I will collect evidence to complain to the CBRC or sue the bank's collection staff.
Key point: pay back the money every month! Also 100! According to Article 196 of the Criminal Law, there are three elements for the determination of malicious overdraft, which are indispensable. One is for the purpose of illegal possession, the other is overdue, and the third is not returned after collection. You paid it back, but if the economic situation is not good, it does not constitute a malicious overdraft.
In addition, tell a case:
Brother Guang has a friend who owes more than 4 million yuan in bank loans and credit cards because of his investment failure. First, he asked the bank to keep in touch with him at any time. Second, every month, those banks are symbolic and return hundreds of thousands. Third, he knows the law very well, and the bank's outsourcing collection dare not mess around. It's been 1 years now, and he hasn't seen the bank file a case successfully. Telephone harassment is inevitable, but I dare not harass his family for fear of complaining!
There are still a few points brother guang wants to emphasize.
1. No matter how tough and harsh the tone of the collection staff is on the phone, keep calm and restrained.
Don't tell him anything about you, your family and friends.
3. If you think things are difficult and you can't handle them yourself, you can consult a lawyer or let a lawyer communicate with the bank.
Special tip for treasure adjustment: All the above are based on your urgent need when you are in temporary financial difficulties and are willing to repay! !