The general bank's collection staff will only tell the cardholder's family to urge the cardholder to repay the loan or ask the cardholder's family to persuade the cardholder to repay the loan as soon as possible, and will not directly urge the cardholder's family to repay the loan. Although the bank can call the emergency contact to inform the relatives of the cardholder, it is illegal for the bank to call every day because it has harassed the relatives of the cardholder and brought troubles to their lives. After the bank fails to receive the cardholder's money, it will definitely contact the cardholder's relatives. This is a common way for banks to collect money. Of course, the bank will definitely control it within the legal scope, unless the third party collection company has illegal collection behavior.
In the CBRC, banks are allowed to entrust three parties to collect money, and emergency contacts are also allowed to be called under appropriate conditions, but management must be standardized.
The first point: Unless the debtor has lost contact for many times, the credit card collection has no right to call his family, and he can only make a call by calling the reserved emergency contact number and the incoming family number, such as parents and partners.
The second point: credit card collection, calling the family, the emergency contact left by the debtor when applying for a credit card, and the corresponding three-party contact. Collection content: Three-party collection is not allowed to collect from a third party unrelated to the debt, but only plays a role of informing. Ask the third party to inform the debtor to answer the phone, etc. , and shall not explicitly inform the debtor of the debt information.
The third point: in the process of collection, abuse and insult occur, and the third party clearly informs the debtor of the debt situation and demands to be responsible for the debt. It has caused collection trouble to the third party, long-term telephone or SMS harassment, etc. This kind of collection behavior affects the lives and work of innocent people and is illegal.
To sum up, it is legal as long as the bank informs the cardholder of the emergency contact information when handling the credit card and does not cause trouble to the cardholder's relatives.
Ways to deal with violent collection:
1. When you receive a collect call, pay attention to the recording and remember what the caller said.
2. Install a camera at the door to record the collection.
3. When applying for a loan, keep the screenshot of the loan contract.
4. Keep your own loan records, repayment records and interest screenshots.
5. If you encounter personal threats, please call 1 10 directly for help.