Call the bank to find out the reason for freezing the card.
When a frozen friend discovers that the bank card has been frozen, the first thing to do is to call the bank to confirm the frozen subject.
1) If it is a bank's risk control measure, the frozen friend should communicate directly with the bank on the way to unfreeze.
2) If it is frozen by the tax authorities, the frozen friends should check whether the company has any tax arrears, and the tax authorities will freeze the taxpayer's account when recovering the tax arrears.
3) If it is a judicial freeze, the frozen friend needs to be clear about which organ of the public security law has frozen it. When the public security organs and procuratorates freeze, criminal cases are involved. When the court freezes, it may involve criminal cases or civil enforcement cases.
Most of the cases in which bank cards are frozen are frozen by public security organs, and the four-step unfreezing method is also aimed at public security organs.
Second step
Contact the public security organ in the frozen area.
1 Freeze for three days.
Paragraphs 1 and 3 of Article 2 of the Opinions on Further Standardizing the Disposal of Property Involved in Criminal Proceedings stipulate that if it is found that it has nothing to do with the case, it shall be dissolved and returned within three days, and the relevant parties shall be notified. According to the above regulations, after the bank card is frozen by the police, it is recommended that the frozen friends wait patiently for three days. This kind of freezing may only be a necessary risk control carried out by the police at the initial stage of handling a case, and it will be automatically unfrozen after confirming the security of the account transaction.
In the process of waiting, friends with frozen cards can browse our official WeChat account and short video to learn about the legal knowledge of frozen cards and prepare for later communication.
Get in touch with the public security organs in the frozen area.
If the bank card does not unfreeze itself after three days, the frozen friend should take the initiative to get in touch with the public security organ in the frozen place.
If there is no contact information, frozen friends can get the contact number through 1 14 query and switchboard query. Conditional can also go to the local public security organs.
Get the contact information of the responsible police officer.
After getting in touch with the public security organ, the frozen card holder explained his frozen card in detail to the public security organ, and learned about the police officers and contact information of the frozen bank card.
There are few busy people in the public security organs, and frozen friends may encounter situations in which they have contacted for many times and found nothing. If you can't get the contact information of the police officer in charge, frozen friends can go to the public security field in the frozen area to inquire, and if necessary, they can get it through complaints.
Contact the police officer by phone.
After obtaining the contact information of the police officer, the frozen friend should contact the police officer in time. When you contact, you should mainly state the source of funds to the police officer, know whether you are involved in the case, what case you are involved in, how much money you are involved in, and ask how to unfreeze the bank card.
In fact, many policemen will not take the initiative to help find out the facts and unfreeze bank cards. If the phone can't get through or things don't progress, frozen friends can still solve it through complaints.
5. Telephone communication with police officers.
After the frozen friend gets in touch with the police officer, the police officer may ask for some necessary materials, and the frozen friend can provide them according to the requirements of the police officer.
However, when the police handle the freezing and unfreezing of friends' bank cards, the starting point is to protect the rights and interests of victims from damage, and pay less attention to freezing the rights and interests of friends. Frozen friends are not professionals, and direct communication with the police will be in a weak position, and their rights and interests will inevitably be damaged.
In addition, whether the frozen funds are legal or not, every policeman's judgment is different. If a professional lawyer analyzes the case from the perspective of frozen friends and provides professional legal advice, it will definitely achieve twice the result with half the effort and improve the success rate of thawing.
Third step
Prepare and submit materials, and cooperate with the public security organs in the investigation.
0 1 preparation materials
Take the unfreezing of bank cards involved in virtual currency transactions as an example. The frozen friends can prepare the following materials, including the bank flow for half a year to one year, virtual currency transaction records or online transfer records, platform transaction records, chat records with counterparties, real-name information of counterparties, personal income certificates and work certificates, legal source certificates of other funds in the card and other materials that can prove the legal source of funds.
In addition to the above materials, frozen friends also need to submit an application for unfreezing, in which the transaction process and other situations involved should be recorded in detail, and the reasons for unfreezing should be explained to the public security organs in combination with relevant laws and regulations. It is recommended to entrust a professional lawyer to complete the thawing application. A professional thawing application can greatly improve the success rate of bank card thawing.
02 Submit materials to cooperate with the investigation
After the frozen friends prepare the above materials, they can take the materials to the public security organs in the frozen area to cooperate with the public security organs in the investigation. The public security organ will judge the degree of involvement according to the materials provided by the frozen friends and the investigation.
When the frozen friend cooperates with the public security investigation, it may be considered as a criminal offence by the public security organ and may be taken compulsory measures. If you have this concern, your frozen friend can entrust a lawyer to accompany you to the public security organ to cooperate with the investigation.
Fourth step
Public security organs review materials
After the investigation by the public security organs, frozen friends can go home and wait for news. After submitting the materials, the following situations may occur:
One is to ask frozen friends to resubmit supplementary materials, and frozen friends can wait for news according to the tips of public security organs;
One is that there is no news from the public security organs. If the frozen friend still hasn't received the news after one week, he can urge the public security organ to deal with it as soon as possible. If the public security organ does not handle it, it can complain to the competent department.
The last one is that the public security organ informs the bank card that it has been successfully thawed. After receiving the notice, the frozen friend should check whether his bank card has been unfrozen as soon as possible. If it is still unfrozen, you can entrust a professional lawyer to communicate with it.
Special note: Many frozen friends will encounter the method of unfreezing bank cards after the public security organs request to deduct funds. After deducting the funds, it also shows that the funds belong to the funds involved. Even if frozen friends unfreeze their bank cards in the form of public security organs, they may be blacklisted by banks, punished by banks, and included in the list of people with two cards, which will affect their legitimate rights and interests.
In short, when a frozen friend encounters a frozen bank card, he can first try to unfreeze it according to the four-step bank card unfreezing method summarized by Mr. Guo's team. If the situation is complicated, they are difficult to handle or involve more interests, frozen friends can entrust professional lawyers to solve it.