Is it true to receive a demand notice from Consumer Finance?

It's true. Receive consumer finance.

SMS notifications. There will be the following situations: If you take out a loan on a consumer finance platform and it is overdue for a certain period of time, the SMS notification you received may be true.

Of course, it is not excluded that some consumer finance platforms will put pressure on you in this way. If this happens to you, then it is best to negotiate with the consumer finance platform to pay off the arrears as soon as possible. If it drags on any longer, there may be other negative effects besides being sued.

Finally, I would like to advise everyone, don't over-borrow! Because some consumer financial institutions will sue users who maliciously fail to repay within the time limit, it is also possible for users to receive a notice to file a case for arrears. However, many consumer financial institutions and lending platforms will send SMS notifications to put pressure on debtors, but in fact they do not prosecute, so many people do not believe it.

However, if you have received a court summons or something, you need to pay attention to it. Of course, regardless of whether it is a lawsuit or not, users should maintain good repayment behavior. After all, in addition to prosecution, there are many negative effects of overdue.

For example, after the expiration of these platforms, they will be reported to the central bank.

If the credit investigation is called, it will be collected by the platform and the third party to the emergency contact, and the overdue penalty interest will continue to accumulate with the number of overdue days, so everyone should deal with the arrears as soon as possible, and it will be more troublesome once it reaches the point where it needs to be sued.

Generally, if the arrears are overdue for more than 90 days, no matter how much money is due, they will be sued. If you owe money personally, it is a civil dispute.

It is within the scope of the court's acceptance, and there is no legal minimum limit on the amount of arrears, and theoretically speaking, one yuan owed can also be sued in the court. If the amount owed is relatively small, whether it is worth suing or not is up to the parties themselves to consider and decide. If the borrower is indeed unable to repay the loan, he should negotiate with the bank as soon as possible, express his willingness to repay, and reach a repayment agreement as much as possible.

If an agreement cannot be reached, the bank will file a civil lawsuit.

The court will mediate or decide on a case-by-case basis. If you owe money to the bank, no matter how much, if you haven't paid it for more than 3 months, it's serious.

If the user registers and receives the immediate consumption amount, or applies for the loan product of immediate consumer finance, then it is possible to receive a text message from immediate finance. However, if you have not registered for Immediate Finance or applied for a loan product of Immediate Finance, you can directly ignore it if you receive text messages such as advertisements and sales promotions and registration verification codes.

If the user receives a reminder SMS, then it is necessary to pay attention to the repayment time and repay the loan on time, otherwise there will be overdue records uploaded to the credit report.

If you do not apply for immediate consumer finance but receive a verification code, it is mostly due to the leakage of user information to be taken to online loans or it is a crime of police to coax SMS to defraud, once the user enters the verification code on the push ** according to the requirements, it is very likely to cause the loss of funds.

It is recommended that if you want to apply for a loan, you should go through the channels officially designated by the process, such as the loan app, the official WeChat official account, the official website, etc. Others should protect their privacy, and do not disclose their ID numbers, mobile phone numbers, etc. to others.

1. Fishing**. In order to deceive user information and user funds, many illegal ** will pretend to send collection text messages on various platforms, and use users to worry about overdue psychology to defraud, do not pay attention to this situation, do not click on the link sent by the other party, it is easy to cause information leakage.

2. The user himself did not apply for a loan in the immediate consumption, but it does not mean that the relatives and friends around him did not, if the other party left the contact number when applying, then the platform will also send a collection SMS to come. When it is determined that the collection on the platform is real, it can help find a way to find the borrower to solve it, or directly explain the situation to avoid being harassed again.

3. The user's personal information is stolen, and the financial application for a loan is not known, which may also happen. In particular, if you have a close relationship with yourself and apply for registration after obtaining the user's personal information, it is recommended to explain the situation to the platform in a timely manner, and if necessary, report to the police.

The above is about "what happens when you receive a consumer finance loan overdue for no reason". In general, this situation is likely to be due to phishing fraud, the borrower left information or his personal information was leaked, and he was loaned.

Consumer finance companies have a collection method, consumer finance door-to-door collection is not true, and door-to-door collection is illegal, only the court has this right, for customers whose loans are overdue, consumer finance will first call the collection ** and send a collection SMS.

How to deal with SMS messages in Consumption Slow Prosperity Finance:

1. Verify whether the overdue content is true.

When a user receives a consumer finance collection SMS, the first thing to do is to verify whether the content of the SMS is true. If the user does apply for a consumer finance loan and the loan is overdue, the collection SMS can be judged to be true if the overdue situation in the collection SMS is consistent with the user's real situation. If the user has not applied for a consumer finance loan, or the content of the collection SMS does not match the actual situation, then the collection SMS may be fake.

After determining that the collection SMS is fake, the user can delete or ignore the SMS. If you still receive a collection SMS in the future, you can take the initiative to contact Consumer Finance and inform the other party that the wrong message was sent. After the other party verifies and confirms that the message was sent incorrectly, the user will not be sent a collection SMS in the future.

2. If there is indeed an overdue amount, the loan should be repaid as soon as possible.

If the user's consumer finance loan is indeed overdue, then the user should pay off the overdue arrears as soon as possible after receiving the collection SMS. The repayment ability is sufficient, but the user forgets to repay, and the user can choose to pay it off in one lump sum. After paying off the overdue arrears, Consumer Finance will no longer send collection SMS.

If the user's repayment ability is insufficient and he is unable to pay off the overdue arrears at one time, he can call the customer service of consumer finance**Shendongyou, please negotiate repayment. If the negotiation repayment application is successful, Consumer Finance will not send a collection SMS during the repayment period.

3. Use software to intercept directly.

If the user fails to negotiate repayment, Consumer Finance will continue to send collection SMS to the user during the overdue period. If users think that the collection SMS has affected their daily life, they can use the mobile phone software to directly intercept the collection SMS. However, this method can only solve the problem temporarily.

If you want to solve the problem at the root, you must pay off the overdue arrears as soon as possible. <>