I only owed money, but I did not run away from it, but the bank notified the village committee without authorization!
Mr. Deng, a young man from Jiangxi, still feels indignant when he recalls the experience during the Spring Festival. He did not expect that a credit card debt that was not repaid on time would lead to such improper collection methods by the bank, making his Spring Festival so unpleasant.
Last year, Mr. Tang applied for a credit card for his daily needs and repaid it in installments. However, due to job changes, etc., he was unable to repay the arrears on time. When communicating and negotiating with the bank, he thought that he could reach a mutually acceptable repayment plan, but the bank's follow-up operation surprised him.
"I was only experiencing temporary difficulties and didn't say I wouldn't pay it back. Mr. Deng said he could not understand why the bank had sent the demand notice directly to the village committee in his hometown without his consent. This behavior not only made him feel very embarrassed, but also put his family under unnecessary pressure.
"Everyone in the village knew about it, and my parents couldn't hold their heads up because of it. Mr. Deng said helplessly. He argues that the bank could have communicated with him in a more appropriate and private way, rather than resorting to such a potentially invading privacy approach.
In fact, Mr. Tang's case is not unique. Recently, a number of credit card users have reported that after overdue repayment, banks have adopted various improper collection methods, which has brought great trouble to their lives. Some users even said that the bank had a bad attitude and used insulting words during the collection process, which caused them a serious mental burden.
In this regard, legal experts said that although banks have the right to collect overdue credit cards, they must comply with relevant laws and regulations to ensure that the collection is legal and compliant. Banks should respect the privacy and personal dignity of debtors in the collection process, and avoid using excessive or improper collection methods.
At the same time, experts also remind the majority of credit card users to spend rationally and plan their financial expenditures reasonably when using credit cards to avoid falling into debt difficulties. After overdue repayment, you should actively communicate and negotiate with the bank to find a suitable repayment plan. If there is any impropriety in the bank's collection behavior, users can protect their legitimate rights and interests through legal channels.
In addition, banks should also strengthen internal management and standardize collection behavior. In the process of collection, communication and understanding with the debtor should be strengthened, and collection should be carried out in a legal and compliant manner. At the same time, the complaint handling mechanism should also be improved, and the complaints of users should be responded to and handled in a timely manner to avoid further escalation of the problem.
In short, as a convenient payment tool, credit cards bring convenience to people, but also come with certain risks. Both the debtor and the bank should abide by relevant laws, regulations and contractual agreements, and jointly maintain a good credit environment. In the process of collection, banks should collect in accordance with laws and regulations, and debtors should also actively fulfill their repayment obligations to jointly promote the healthy development of the credit card market.