Laws and regulations that debtors must be aware of. Today, I would like to share some practical knowledge with you.
Article 1: Article 15 of the Personal Information Protection Law stipulates that when the borrower signs and agrees to the loan contract, the creditor may entrust the arrears information to a third-party company for collection. However, the borrower has the right to request the withdrawal of authorization, and the other party cannot refuse. Do you understand?
Article 2: Article 23 of the Personal Information Protection Law stipulates that if the debtor provides personal information to a third party for collection, it must inform the details of the third-party platform and obtain the consent of the borrower. Remember?
Article 3: Article 70 of the Measures for the Supervision and Administration of Credit Cards of Commercial Banks stipulates that under special circumstances, if it is determined that the amount owed exceeds the cardholder's ability to repay, and the cardholder is still willing to repay, the issuing bank may negotiate with the cardholder on an equal footing, up to 60 periods.
Article 4: Article 13 of the Self-Discipline Convention on Financial Collection of Commercial Banks stipulates that debt collection targets must meet the requirements of laws and regulations and must not harass unrelated persons.
Article 5: Article 16 of the Convention on Self-Discipline in Internet Financial Collection stipulates that when collecting personnel communicate with debtors and relatives and friends, they must use civilized language, and must not use threats, intimidation, insults, coercion and other means.
Article 6: Article 18 of the Convention on Self-Discipline in Internet Finance Collection stipulates that collectors must not disclose personal information such as the debtor's liabilities or overdue default to anyone other than the debtor.
Article 7: Article 26 of the Convention on the Governance of Internet Financial Collection stipulates that collectors must not impersonate administrative departments, judicial departments, or other institutions or individuals to make threats.
Article 8: Article 1032 of the Civil Code stipulates that natural persons enjoy the right to privacy, and no organization or individual may infringe upon the privacy of others by means of espionage, harassment, leakage, etc.
Article 9: Illegal collection has been included in the Criminal Law. According to the new crime of the Criminal Law Amendment (11), the crime of collecting illegal debts. Remember? Anyone who uses violence, threats, unlawful trespassing into another person's home, intimidates, stalks, harasses another person or commits any of the above acts shall be punished by imprisonment for up to three years, criminal detention or surveillance, and a fine.
If you understand, like it and forward it to your friends.
