1, the identification standard of violent collection
According to the relevant laws and regulations of our country, the criteria for determining violent collection are: more collection calls; Home collection; Spread the news of debtors.
2. Legal basis
Article 68 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks: The issuing bank shall collect money from the debtor himself and his guarantor, and shall not collect money from a third party unrelated to the debt, and shall not use improper means such as violence, coercion, intimidation or abuse of power to collect money. The collection process shall be recorded, and the recorded materials shall be kept for at least 2 years for future reference.
Eight bad collection behaviors:
1, a collection call that affects normal life.
The collection from 8 am to 9 pm is a violent collection.
2. Calling or texting more than 3 times on the same day.
The online lending platform uses app to bomb borrowers and their families by phone, making them fidgety, which is a violent collection.
3. Harass family and friends.
The online lending platform obtains the contact information and address of the borrower's family and friends through various channels, and then carries out telephone harassment, SMS harassment, door-to-door harassment, etc. , are all violent collections.
4. Send postcards to collect debts.
The online loan platform writes the borrower's arrears on postcards, and then mails them to the borrower's work unit and residential area. It is a violent collection to let others know about the arrears.
5. Threat or threat.
The online lending platform arranges staff to block doors, splash ink, brush big characters, and sit still. In the debtor's home, this is a violent collection.
6. Public insults.
If the staff of the online lending platform publicly insults the borrower and attacks the debtor by writing, typing and hanging banners, it is a violent collection.
7. Damage to reputation.
If the online lending platform spreads the borrower's personal privacy through the network, or even spreads the indecent photos of ps, it is a violent collection.
8. Detention and beatings.
If the staff of the online lending platform detain and beat the borrower and his family, it will do harm to the borrower's spirit and body, which is not only a violent collection, but also a very serious crime.