急問遲還貸款法律追究問題

１銀行說有給我最後通知，但我並沒有收到，這樣我可以追究嗎？

你可以同銀行講你冇收到最後通知，睇下銀行信唔信。


２他們說因為一直以來都找不到我本人，所以他們就有權叫人上我家騷擾我家人嗎？

佢地搵唔到你，可以上去你屋企追債，但就冇權同你家人講一Ｄ疑似恐嚇既說話。


３那天上來追數的人那些說話構成誹謗罪嗎？

佢地講果Ｄ說話可以算係恐嚇，但可唔可以構成誹謗罪我就唔知。


其實你可以去警署問下佢地既行為有冇違反法律，都係問警察好Ｄ。

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To be honest - bottom line, there is nothing you can really do.

1. The practice of that debt collector is questionable. However, it does not seem that the collector has committed anything illegal (they usually know how to play law).

2. You can report to the police because the collector harass your family. But usually, the police can't act on anything unless you have the person's identity or you request police's presence when the collector is at your family's home.

(Bottom line - the police is simply making a record only.)

3. Final notice or not - the bank has the right to sell your debt.

4. Even you sue the collector and the bank, you will need to prove a lot of thing as you have the burden of proof. In this case, it is really difficult to prove that they have committed any wrongdoings.

2012-08-26 03:08:12 補充：
No - there is no threat.