CCB generally doesn't collect the credit card at home, and the credit card collection department of CCB will remind the repayment by SMS, telephone, etc. at the early stage of overdue credit card; If it is overdue for more than 3 months, the debtor has no willingness to repay, and the amount involved is large, then it is likely to be sued in court; If the amount involved is not particularly large or small, CCB may entrust the collection task to a special collection company, and it is not certain whether it will be collected at home.

If the debtor is harassed by home collection and is suspected of violent collection, you can keep the evidence so that you can call the police for help, but you still have to pay back the money.

what are the ways to deal with illegal collection? The following methods are all effective:

China Banking and Insurance Regulatory Commission complained

In fact, as early as 218, the Bank of China Insurance Regulatory Commission, together with the Ministry of Public Security, the State Administration of Market Supervision and the People's Bank of China, jointly issued the Notice on Regulating Private Lending and Maintaining Economic and Financial Order. Article 5 of the Notice clearly stipulates: Strictly crack down on illegal means such as intentional injury, illegal detention, insult, intimidation, threat and harassment to collect loans.

Because all banks and financial insurance companies are supervised by China Banking and Insurance Regulatory Commission, if a debtor encounters violent collection, you can directly search the official telephone number of the local banking regulatory bureau to make a complaint. This way is more effective.

Internet Finance Association Complaint

If debtors are illegally collected by online loan platforms, you can search the official website of Mutual Fund Association on the Internet, which has a special online loan reporting entrance. At this entrance, you can upload agreements, contracts, chat records, pictures and other evidence to reflect the relevant situation, but you must go to real-name registration system. Generally, a staff member will contact you later. In addition, you can use the form of regional+internet finance association to find a local branch, and there will be a contact number, so you can call directly for consultation.

generally, when you encounter a collection call, the first thing you need to do is to record the call and ask the name of the collection company. If you make phone calls more than five times a day, or call your work unit outside 8: a.m. to 6: 3 p.m., keep the evidence and complain to the CBRC and the Internet Finance Association. If he doesn't tell you the lawyer number, he can complain to the Bar Association and the Judicial Bureau.

Calling 12321 to complain

12321 mainly solves the problems of mobile phone short messages and telephone bombing, and reports fraudulent calls, harassing calls, spam messages and bad apps. However, this channel is more mechanized in solving problems, which may have an impact on your verification code and telephone number. In addition, if the above-mentioned departments fail to investigate, handle or respond to feedback within 7 working days according to law, they can complain about their "administrative inaction" to the National Complaints Acceptance Office of the State Administration for Letters and Calls, which are also relatively reliable complaint channels.

You can choose to sue a debtor.

When you encounter illegal and violent collection, you must first learn to take up legal weapons to protect yourself. When encountering violent collection, first collect good evidence, and then directly sue the online lending platform. Many people may think that online loan collection is generally transferred to outsourcing. Why is it to directly sue the online loan platform instead of suing the collection party? That's because our National Internet Association stipulates that all online lending platforms must be responsible for the actions of the collection party.

You can report to the police

When a debtor encounters threats or intimidation and uses communication equipment to change his telephone number or disguise his bank number or 11 number, he directly complains to the local credit management bureau and reports the case, provided that the evidence must be kept. For violent collection such as door-to-door collection, blocking keyhole, posting debtor information and painting, the first thing is to keep the evidence and report to the police immediately, and the second is to report to the local real name. For door-to-door debt collection, as long as the number of people who come to the door is more than three, they can be invited to enter the home and immediately call the police.