How to deal with overdue collection by violence?

1、 Overdue Violent collection What should I do?

After the violent collection alarm, usually not Filing a case , because it belongs to civil dispute 。 However, the police can be useful in cases of threats, intimidation, beating and smashing of people, etc. At the same time, sufficient evidence For example, recording and video. Otherwise, it would be difficult for the police to go out without evidence.

The essence of collection is that the loan platform should withdraw funds as soon as possible. As long as this point is kept in mind and the status of the collection personnel is well understood, it is easy to solve the collection problem peacefully. Be sure to show that you have a clear willingness to repay. It is better to give an approximate repayment period or repay a part of the loan within the affordable range arrears 。 In short, it is to make the other party believe that he is not an old Lai, and that he will pay off the money he owes, and that he has a clear repayment schedule.

If you encounter excessive collection in the process of collection, you can collect relevant evidence, such as phone recordings, call records, WeChat threats and other content to expose to the media. Most platforms will converge after media exposure, and relevant regulatory authorities will also pay attention to or even directly investigate and deal with the borrowing platform. The information of excessive collection can be reported to the China Internet Financial Reporting Information Platform, which is very effective for licensed institutions.

2、 What are the precautions for violent collection?

If threats to personal safety and normal living conditions have been involved in the collection process of the platform, you can directly report to the public security organ. And pay attention to retain the relevant evidence content in this process, and assist the public security organ to solve the case as soon as possible, so as to ensure the borrower's personal safety and normal living conditions to the maximum extent. However, in the actual collection process, many borrowers have taken improper countermeasures when facing more intense collection means, which has caused greater harm to themselves. The least recommended means for the borrower are:

1. Use violence against violence

The borrower gathers people to fight and argue, and both parties will be sentenced Crime of affray 。 It is not worth the loss to make the borrower become a criminal from a victim of violent collection.

2. Missing

Some users will go away and lose contact after collection. In this way, the problem of loan arrears cannot be solved from the root bank, and users with serious arrears may be sued by the platform. The borrower in the state of loss of connection is highly likely to lose the lawsuit. If the borrower continues to lose the connection and fails to fulfill the repayment obligation after the judgment is pronounced, it will be listed Dishonest executor In the list, they become "Laolai" group, which seriously affects the borrower's normal life behavior.

stay obligor 's credit card debt Or if the debtor still fails to repay the overdue loan debt and fails to negotiate with the card issuing bank or the loan platform, the card issuing bank or the loan platform can collect the overdue debtor by phone calls, text messages, etc., but cannot collect the overdue debtor violently.