Whether a credit union can freeze a personal account without permission15

The most extreme approach is to go straight to court and sue the credit union! But in general, it's best to communicate privately with the credit union, and I'm sure you owe the credit union a loan, so the credit union will control it instead of freezing it as you say! In fact, the role is the same, even if the credit union controls it, it will not dare to deduct without your consent!

It is advisable to repay the loan as soon as possible and ask the bank to waive a little bit in terms of interest, and the credit union should agree! Otherwise, if the credit union sues you, you won't be missing a penny!

The freezing of deposits by credit unions is an infringement and can be sued. In civil cases, only the court has the right to take freezing and sealing measures, and the credit cooperative's freezing of deposits without permission is obviously a tort, and you can file a lawsuit with the court to request the credit union to lift the freeze and compensate for the losses caused.

I know what you're talking about, you're talking about credit union payroll passbook pledge-secured loans.

Which variety of loans is to ensure that the deposit on the salary passbook can repay the loan when the loan matures, there is no way, the loan in each variety is the same. You can only take it out after the loan is paid off, and if the loan is due and the loan is not paid off, the credit union has the right to take your salary to repay the loan.

It's still not frozen, it's called stopping payment.

Also, he is not a groundless stop payment, but you have signed a contract that you have the right to mortgage (pledge).

I also work in a credit union, and only if the borrower you guarantee does not repay the loan when it expires, the credit union can temporarily freeze your passbook with the guarantee agreement you signed until the loan is paid off

It can't be frozen, you can complain to the banking regulatory department, but I doubt the compliance of the loan.

Legal Analysis: Courts and rural credit cooperatives can freeze it. 1. If you owe the credit union a loan, the credit union will file a lawsuit with the court in accordance with the law, and the credit union has the right to apply for enforcement after the court judgment.

2. After applying for compulsory enforcement, the court can freeze your property or seize your property. 3. If the court obstructs the enforcement in accordance with the law, or refuses to enforce the property with property, the court will also give judicial detention.

Legal basis: Article 101 of the Civil Procedure Law of the People's Republic of China Where an interested party does not immediately apply for preservation due to an urgent situation, its lawful rights and interests will be irreparably harmed, it may apply to the people's court with jurisdiction over the case to take preservation measures at the location of the preserved property, the place where the respondent is domiciled, or the people's court with jurisdiction over the case before initiating a lawsuit or applying for arbitration. The applicant shall provide a guarantee, and if the applicant does not provide a guarantee, a ruling shall be made to reject the application.

After the people's court accepts the application, it must make a ruling within 48 hours; Where a ruling is made to adopt preservation measures, enforcement shall immediately begin. Where the applicant does not initiate litigation or apply for arbitration in accordance with law within 30 days after the people's court adopts the preservation measures, the people's court shall lift the preservation.

Summary. Hello, this will be frozen, individual industrial and commercial households are actually natural people in business, and the part of the property belonging to the natural person who owes the debt can be executed.

Hello, this will be frozen, individual industrial and commercial households are actually natural people in business, and the part of the property belonging to the natural person who owes the debt can be executed.

A portion will be frozen.

Do you have any questions on your side<>

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The court now says that personal borrowing and sole proprietorship are not the same name.

This is not a name.

However, individual industrial and commercial households are self-employed.

So when you freeze the funds, you will freeze the part that belongs to you.

Personal loans represent individuals, not other firms like me to borrow, and their corporate accounts will not be frozen.

According to the relevant laws of China, if the debts of individual industrial and commercial households are operated by individuals, they shall be borne by personal property, so personal debts can be paid off with the property of individual industrial and commercial households. The debts of individual industrial and commercial households and rural contracted business households, if they are operated by individuals, shall be borne by personal property; If it is run by a family, it shall be borne by the family property. Legal basis:

Civil Code of the People's Republic of China Article 56 The debts of individual industrial and commercial households, which are operated by individuals, shall be borne with personal property; If the family is operated by Huaiting, it shall be borne by the family wealth base; where it is impossible to distinguish between them, they shall bear it as family property.

If there is a mix-up, it can be frozen.

The main thing is to analyze specific things on a case-by-case basis.

If it is not used for a long time or there is abnormal inflow and outflow of funds. You need to go to the counter with your ID card to thaw it; If the law enforcement agency freezes the account due to the relevant case, the cardholder needs to cooperate with the relevant authorities to complete the case execution before the frozen account can be restored.

Bank card freezing is a means for banks to dispose of customers, from the perspective of freezing, it is divided into debit freezing, credit freezing and lending bilateral freezing, and from the perspective of freezing period, it is divided into temporary freezing and permanent freezing.

Generally, the reasons for the freezing of bank cards are:

1. If the freeze is caused by too many wrong passwords, the cardholder can bring his ID card and bank card to the nearest business hall to explain the situation and unfreeze.

2. If the banking system fails, the parties can also bring their ID cards and bank cards to the business hall to handle the thawing.

3. If the bank card is frozen due to a third party, if it is necessary to handle the case, it can generally only be unfrozen after the case is concluded.

Legal Basis Involved:

Law of the People's Republic of China on Commercial Banks

Article 29.

Commercial banks shall follow the principles of voluntary deposits, free withdrawals, interest-bearing deposits, and confidentiality for depositors in handling personal savings deposit business.

Article 30. Commercial banks have the right to refuse inquiries from any unit or individual, except as otherwise provided by laws and administrative regulations; It has the right to refuse any unit or individual to freeze or withhold the transfer, except as otherwise provided by law.