1. How to report family harassment due to overdue online loans?
If the other party keeps calling to harass the family, it is a violent reminder and you can call the police. However, if the other party only calls for collection, they can also consider complaining to relevant departments, such as China Internet Finance Association and China Banking Regulatory Commission, which may be more appropriate than calling the police.
China Internet Finance Association officially issued the Convention on Collection and Self-discipline. If the borrower is faced with violent collection, he can report to China Internet Finance Reporting Information Platform, relevant regulatory agencies' complaint telephone or mail system.
Depending on the seriousness of the case, the association will hand over the illegal clues to the judicial organs, financial supervision departments, communication management departments and market management departments for investigation.
Second, what should I do after the credit card expires?
1. If the credit card is overdue. But we didn't get a phone call from the bank, only a short message from the bank or an email about the deposit. At this time, I need to call the bank to explain the reason at the first time, and what I need to do is to return the money to the bank in time. Only in this way will there be no bad records in the credit investigation.
2. In another case, the overdue time is less than 3 months, and during this period, I have been receiving various collection calls from banks or collection companies. But the credit card used has not been frozen. What needs to be done at this time is to contact the bank actively. Express the willingness to repay in communication. Repay in full if you can repay in full. If not, arrange repayment in installments with the bank and pay back the money owed to the bank on time every month.
3. In addition, from the overdue time and more than three months, the bank card is also frozen at this time. Interest will be generated at this time. Never take the initiative to change the number. We need to call the bank at the first time to explain something. It mainly shows that he didn't breach the contract maliciously, but what caused the overdue. At the same time, it is necessary to agree with the bank on the length and amount of repayment, and it is best to repay in time within the range that you can bear.
If the online loan is overdue, the online lending institution has the right to collect money from the debtor, but if the debtor's family is harassed without reason, it can be handled by the police, and violent collection is illegal; But for the debtor himself, he must repay the money in time after he owes it, and he cannot refuse it for any reason. Only when the repayment is successful, he and his family will not be disturbed again.