✔ 最佳答案
首先, 法律上咨詢人係無責任代債仔還債的. 收數公司亦深知呢樣嘢. 但佢哋會威迫利誘你"自願"代佢還. 所以第一大忌係佢哋打幾次電話嚟, 你就幫佢入數. 咁做會俾d收數佬一個訊息, 兇你幾兇, 打幾個電話你就會代還, 咁佢哋追數目標就會係你, 行動會沒完沒了.佢哋只認錢, 唔需理邊個出, 你有, 咪追你囉! 唔係正式要你代債仔還債, 而係煩到你自願代佢還. 所以千萬唔可以代還!
第二大忌係切忌話可以揾到你哥哥. 佢哋揾佢唔到, 但你揾到, 咁咪俾壓力你, 迫你交人或要你揾佢囉.
香港法律係無斷絕關係呢樣野. 收數佬亦唔理你同佢有無關係. 無錯改電話亦唔會有用. 佢哋仍可上門.
無正職亦可申請破產(好多人就係失業無收入先欠債而破產). 破咗產就可以唔使俾人追. 所以破產係有用嘅. 但問題係, 佢正式破產前, 收數佬仍會揾你.
所以你可以咁做:
拆哂佢d銀行同財務欠債 / 追數信, 攞哂d資料. 再寫封信俾所有債權銀行 / 財務 (格式如下):
Dear Sir,
Re: Mr. Le Le Panda [HKID No. A123456(7)] - HSBC VISA no. 4919191919191919
As the present occupier of this address I hereby notify you that the aforementioned person does not reside in this address. Neither I nor any current occupier of this address have any means of contacting him, nor do we have any forwarding information about him.
I hereby demand that you cease immediately to deliver all communications in whatever form of whatsoever nature intended for the above-named to my address, including, but not limited to, personal visits to my address by your employees, representatives, agents and / or any other persons associated with you not mentioned herewith.
Failure to do so will result in my taking legal action against you for harassement. I also reserve the right to claim damages against you for any losses, both actual and inferred, which may arise due to actions of harassement by your employees, agents, representatives and / or any other persons associated with you not mentioned herewith. .
Thank you for your attention. Your immediate acknowledgement of my demands is expected.
Yours faithfully,
Ms. Ying Ying Panda
寄哂俾所有銀行 / 財務的法律部(唔好寄去信用卡中心或收數公司. 唔知地址就打去總機問), 叫佢停止行動. 呢招幾有效.
再貼張通告在大門:
有關: 欠債人 - 熊貓樂樂 [香港身份証編號A1234567]
上述人仕不在此地址居住. 現居住客亦無此人之任何通信 / 聯絡資料.
任何人仕登門欲找尋上述人仕, 均會被視為刑事滋擾, 將被送警究冶.
可在家放部相機. 若有人拍門而有後生仔在家, 一開門就影個收數佬相. 佢地最怕上鏡 (如果佢搶相機就報警).
你亦可就俾千三蚊入稟高院, 攞個禁制令. 包掂!
2008-03-22 12:43:05 補充：
警方不當一回是,愛理不理, 不是因為檢控困難. 而係警力唔夠. 一日咁多人俾人追債, 單單都派人拉人開file, 根本無咁多人力物力. 所以如果只係粗口爛舌一番, 或電話轟炸, 佢地心態係"你俾人媽兩句好小事"而唔想理, 會用"錢債紛爭, 唔關警方事"嚟做擋箭牌.
但如果事件涉及"動作", 例如郁手郁腳, 淋紅油, 塞胆, 踢鉄閘(好似早排某業主揾收數佬踢鉄閘追租, 結果收數佬判坐監), 咁就加埋傷人 / 刑事毀壞charge, 差佬侷住要理.
2008-03-22 12:44:37 補充：
佢追數如粗口爛舌, 令你或家人受驚, 己犯咗刑事恐嚇罪. 如果你報警而不獲受理, 通常我會教d人:
如果報警唔受理, 就會同個阿Sir講, "佢而家刑事恐嚇我, 你唔受理. 咁我就會向CAPO(警察投訴科)投訴你." 如果警察叫你息事寧人, 就會同個阿Sir講, "佢而家刑事恐嚇我, 你叫我息事寧人, 咁你就係妨礙司法公正. 我就而家報案告阿Sir你妨礙司法公正."寸係寸d, 但萬試萬靈.
2008-03-22 12:45:16 補充：
根據香港法例第200章<刑事罪行條例>第24條第IV部(c)(i) & (ii) - 恐嚇
任何人威脅其他人, 意圖
(i) 使受威脅者或其他人受驚； 或 (呢句好易明啫!佢蓄意做某d嘢令你受驚, 己經算犯法)
(ii) 導致受威脅者或其他人作出他在法律上並非必須作出的作為 (即係例如要咨詢人代債仔還錢)
即屬犯罪.
