Is it illegal for the bank to contact relatives to collect, and can the bank collect to inform the f

Under normal circumstances, as long as it does not form harassment, it is legal, and if the bank collector calls the ** of the emergency contact filled in by the cardholder when applying for a credit card, as long as it does not form harassment, it is legal. The China Banking and Insurance Regulatory Commission allows banks to entrust third-party collection, and under appropriate conditions, it is also allowed to call emergency contacts, but it must be standardized.

The bank's collector will generally only tell the cardholder's family to urge the cardholder to repay or let the cardholder's relatives persuade the cardholder to repay as soon as possible, rather than directly collecting from the cardholder's relatives, although the bank can call the emergency contact person to inform the cardholder's relatives, but if the bank calls ** every day, it is also illegal, because this has harassed the cardholder's relatives and caused trouble to the lives of the cardholder's relatives. The bank will definitely contact the cardholder's relatives after the collection of the cardholder is invalid, which is a common collection method used by the bank, of course, the bank will definitely control it within the legal range, unless it is those third-party collection companies will have illegal collection behavior.

The China Banking and Insurance Regulatory Commission allows banks to entrust third-party collection, and under appropriate conditions, it is also allowed to call emergency contacts, but it must be standardized.

The first point: Unless the debtor is in a state of loss of contact for many times, the credit card collection does not have the right to call the family**, and can only call the reserved emergency contact** and the family number asked by the regular channel**, such as parents, partners, etc.

Third-party collection is not allowed to collect from a third party that has nothing to do with the debt, but can only play the role of informing, please ask the third party to notify the debtor to answer**, etc., and it is not allowed to clearly inform the debtor of the debt information.

The third point: in the process of collection, there is abuse, insult, and clearly inform the third party of the debtor's debt, and require the third party to be responsible for the debt. It is illegal to cause collection troubles to third parties, long-term ** or SMS harassment, etc., which affect the lives and work of innocent people.

Extended Information] Ways to deal with violent collections:

1. When receiving a collection**, pay attention to the recording and remember the caller's words.

2. Install a camera at the door to record the collection.

3. When you apply for a loan, keep a screenshot of the loan contract.

4. Keep screenshots of your own borrowing records, repayment records, and interest.

5. If you encounter personal threats, please call 110 directly for help.

Legal analysis: According to the laws of our country, Mowawa needs to be analyzed on a case-by-case basis, 1. The debtor cannot be contacted, otherwise the bank has no right to contact relatives and friends, and can only call the reserved emergency contact** and the family number asked by the regular channel**.

2. Credit card collection envy, dial ** to inform family and friends, when the debtor applies for a credit card, the emergency contact left behind, the corresponding three-party contact, can only inform the debtor to answer**, etc., can not inform the debtor of the debt information.

3. In the process of collection, it is illegal to insult and insult, clearly inform the third party of the debtor's debts, and require the third party to be responsible for the debts, etc., and the third party will be troubled by the collection and affect the normal life and work of the innocent person.

Legal basis: Article 68 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks.

The card-issuing bank shall collect from the debtor and its guarantor, and shall not collect from a third party unrelated to the debt, and shall not use violence, coercion, intimidation or abuse or other improper collection behaviors. An audio recording shall be made of the collection process, and the recorded materials shall be kept for at least 2 years for future reference.

Summary. 1. When the bank collects, you can tell the family members the actual amount owed.

Hello, of course! Kiss.

Specifically, bank collection can of course inform the family of the amount owed! Kiss.

1. When the bank collects, you can tell the family members the actual amount owed.

2. The purpose of the bank is to let the other party repay the money! Kiss.

3. Of course, the bank's collection cannot be violently accepted when it is carried out. After all, the identity of the bank is more special! Kiss.

So how do you know whether the other party is a third-party collection or a bank collection?

Hello, it can be based on the tone and frequency of the other party's collection.

Do banks generally use dialects for collections?

Generally speaking, it simply tells you that you are overdue and need to repay as soon as possible. It is the bank's own collection.

If it is a violent collection, it must be a third-party person found by the bank! Kiss.

Banks don't use dialects for collection, after all, they need to speak Mandarin! Kiss.

It can be said that Liang Xu's bank has now entrusted his collection work to the personnel of the third party. Therefore, the collection of loans or credit cards for Yinhe scum is basically a third party! Kiss.

How long have you been overdue? Is it a credit card or a loan? Kiss.

Credit card, third-party collection, how to see violent collection.

Hello, you can also see it through the other party's **! Kiss.

Generally, bank collection will use the bank's own external **, not private**. It will not be collected after work or on weekends and online! Kiss.

Do they collect frequently? Kiss.

Online collection? Kiss.

Did you collect it at night? Kiss.

Of course, whoever collects it, this money also needs to be repaid as soon as possible! Kiss.

After all, your overdue date can only be eliminated from the side or spine of the credit report after 5 years after the repayment is paid off 1. The "Regulations on the Administration of the Credit Reporting Industry" stipulates that the retention period of personal credit reporting records is 5 years, that is, if it exceeds 5 years from the date of termination of the bad behavior or event, it shall be deleted. 2. Article 16 of the "Regulations on the Administration of the Credit Reporting Industry" provides that the period for the protection and storage of negative personal information by group dismantling credit reporting establishments is 5 years from the date on which the negative conduct or incident is terminated; Where it is more than 5 years old, it shall be deleted. During the period for storing negative information, the information subject may make an explanation of the negative information, and the credit reporting establishments shall record it.