After the deadline, how to distinguish the real from the fake when I receive a text message to colle

If the loan finance you use is overdue, you must go to the official website or the local bank to repay the loan after receiving the collection SMS. For example, if the credit card you use is overdue, then you must go to the bank of the credit card to repay the loan, or transfer the credit card to the arrears through mobile banking to make up for the arrears. Don't click on the link provided by the text message to make a repayment, then you may be deceived.

And after receiving the text message, be sure to see clearly that the region or company that sent the text message belongs to **, and the SMS number of some fraudulent text messages belongs to an unrecognized region or company. In this way, you can easily avoid being scammed.

Generally, after their arrears, within a certain period of time do not make up the arrears, the bank will collect through ** or text messages, so that when we receive text messages, we must see clearly so as to repay, if you have any questions, you can call manual customer service to inquire, but when calling manual customer service to inquire, you must choose the customer service on the bank's official website to inquire, and you must not rely on the customer service marked on the text message** In this way, you can effectively avoid telecom scam text messages. But if you call the manual customer service ** informed by text message, you may be deceived and contact **.

In this society with a developed network, we must see clearly the text messages that come or the ** received, whether they are true or false, there are many elderly people who will be deceived by false text messages or scams. As a young person, we should always identify and report this kind of telecom fraud, and at the same time inform the elderly at home of the recent methods used in various telecom frauds, so that we can prevent the elderly from being deceived, if the old man is accidentally deceived, you must call the local public security department in time to ask for help, do not solve this kind of thing through yourself or a friend, because telecom fraud usually has a large fraud network, You can't get back your defrauded funds by yourself or your friends.

If the overdue is particularly serious, it should be seen whether it is a text message from the bank, if it is not a text message from the bank, then there is no need to take it seriously.

Identification of the authenticity of collection information:

1.As long as the words "public security" and "court" appear in the text message, it is fake;

2.As long as there are wanted, dishonest people, and old people, it is also fake;

3.As long as it is published with a mobile phone number or a private mobile phone number is still fake.

This situation is 100% false, and the concept of so-called pre-litigation notice does not exist at all.

Some online loan products have very bad collection conditions, and even do not hesitate to deceive borrowers to urge repayment. When you receive such collection SMS, you don't need to be nervous about the content of the SMS, you need to actively repay your debts, and it is best not to touch any online loan products in the future. The online loan product itself does not speak of any morality, and the annualized interest rate is very high, so you should try to avoid falling into such a debt trap.

1. The concept of pre-litigation notice does not exist at all.

This principle is actually very simple, if the online loan product really sues the borrower to the court, the court will naturally notify the borrower, and there is no need for the online loan product to notify on behalf of the borrower. For online loan products, because the overdue amount of many users is only a few hundred yuan, it is impossible for online loan products to sue users for just a few hundred yuan, so these so-called text messages are just routines. <>

Second, online loan products are used in every way.

Because these users who borrow online loans themselves have a bad credit situation, online loan products basically do not tolerate users overdue, so they will use various means to force users to repay. It is precisely for this reason that we can see so much news about online loan collection. For the users themselves, I recommend that users develop good economic habits and stay away from all online loan products.

3. Users need to actively repay online loans, but they do not need to repay parts other than those protected by law.

You can calculate the annualized comprehensive interest of your online loan product, which has exceeded 24%, and you can choose not to repay the amount after 24%. If the annualized interest has exceeded 36%, the part above 36% will not be protected by law, and you do not need to take the initiative to repay. In addition, you need to repay the principal and interest within the scope of legal protection as much as possible, so as not to affect your personal credit because of such overdue problems.

Explain the legal knowledge involved in pre-litigation notification in collection text messages.

The text message reads as follows:

Pre-litigation notice xx Regarding the case of your malicious overdraft, the place of household registration has been accepted and filed, and the warning letter, judicial litigation letter, and family notification letter will be sent in triplicate tomorrow. Negotiate a one-time settlement of the principal and return to Y

Let's break it down:

First of all, from the logical analysis, the pre-litigation notice is the notice before the litigation. If a case has been filed, it should be called a notice of filing a case, not a pre-litigation notice, right? So does collection mean that a case has been filed or that no case has been filed?

The content behind the text message says that the case has been filed, and if the case has been filed, the court should directly notify the defendant, and the plaintiff does not need to notify it himself, so the actual lawsuit does not have a pre-litigation notice, and there is no plaintiff's notice of filing the case. If it is really sued, it will be notified directly by the court.

There is no warning letter, no judicial action letter, no family notification letter, and the above three types of letters are self-created by collection.

Therefore, on the whole, the logical relationship of the collected text message is inconsistent, and the name of the specific legal document does not actually exist. This text message doesn't need to be trusted.

Filing a lawsuit is a basic right, and a notice of action is not required at all to file a lawsuit, and the one who is actually notified will not be sued.

There is a folk saying: dogs that can bite don't bark. That's what it means.

If it is false, the court will notify the parties that they will not be notified by text message, but will use a summons, and the parties need to sign to receive it. For many people, these two years are undoubtedly a very helpless and painful two years, because of the impact of the new crown epidemic, resulting in many uncontrollable phenomena frequently, recently, the online loan is overdue, and then sent me a text message, saying that it is **, is this true, this news has attracted the attention of many friends, and even made many people feel a little surprised, after learning about this kind of news, many friends have made guesses, in addition to the above explanation, is there any other explanation?

It's true. If you are overdue and you have not paid the arrears for a long time, you will receive a reminder** or text message.

Fake, of course. So you must not believe it, because you have not taken out a loan, so do not transfer money to strangers.

It should be fake, if you don't have a loan, receiving such a text message must be fake, and he wants you to contact him again.

Don't be frightened, the collection of text messages is not true, this is just a general routine of collection, the first collection if without my consent, privately collect or inform a third party of your arrears information or find your relatives instead of yourself, collection is an illegal act, violates your privacy, you can collect the illegal behavior of collection to the Internet Finance Association to complain, even if this is true, it will not notify you in the form of text messages but to communicate with you, communication must be agreed by me to come to the door, When you come to the door, you have to show his bank power of attorney and BTG's personal work identity information, otherwise you can refuse to communicate, call the police to deal with it, and generally don't worry too much about receiving these text messages.

Distinguish between the authenticity and falsehood of the collection SMS:

1. As long as there is a situation in the general text message, such as the court and the public security organ, it is basically fake.

2. As long as there is content about being wanted, to be listed as a dishonest person, a laid-back, etc., it is basically fake.

3. Sending you a text message with a private mobile phone number about how the public security department will behave must be fake.

4. What will you do if the message is sent, and then let you contact the xx director and xx commissioner.

5. The word "unsubscribe" appears after the text message, which is fake, and this kind of text message can be ** if you buy it. <>

1. All the information about wanted, listed as a dishonest person, a laid, etc., is false, if you really break the law and are wanted, then why didn't the police come to arrest you? As for the dishonest person, Lao Lai, this is not something that can be determined by collection, and it is only possible to be included in the list of dishonest persons subject to execution if he refuses to return the calendar after the court has made a judgment.

2. As long as there is a court prosecution and public security organ investigation in the text message, it is basically fake, first of all, if you are really sued, the court will directly notify you with the landline number, and then it will mail you the relevant prosecution documents; Secondly, if the public security organs want to investigate you, they will come directly to you, will they be available to text you?

3. The text messages sent to you with a private mobile phone number are basically fake, official units, regular documents, who will send you with a private mobile phone number?

4. The content of the message is what will happen if you don't repay the loan, and then the tail that asks you to contact the xx director and xx lawyer is fake, and the so-called director, the lawyer, is just another collector.

5. The number of the text message is 106, and the word unsubscribe appears after the text message, which is sent by the commercial SMS platform, and this kind of text message is **, and this kind of text message is directly ignored.

6. The text message is xx year xx month xx day, how many people visit their homes, go to the village committee, community survey, this kind is basically fake, many online loans are afraid to come to the door, if the regular bank wants to come to the door, it will contact you through the landline number, as for the village committee, community survey, they do not have that power.

In the face of various threats and intimidation of collection, those who say that they want to sue, go to jail, and freeze all the property under their names should not be easily believed, after the loan is overdue, most of the collectors will try their best to scare you and make you repay the loan for the sake of performance. You must know that all the lawyer's letters, collection letters, warning letters, etc. sent to you in the form of **, text messages, WeChat and other forms have no legal effect.

If the borrower receives a collection SMS with the words "unsubscribe back to T" at the end, it is likely to be a fake SMS from some commercial platforms in batches.

Because the beginning of this kind of SMS is generally 106x, it belongs to the backup number segment of the three major operators, which is specially used for ** SMS.

Many lenders like to use a number segment starting with 106x for text messages**, so there will be some criminals who take advantage of this loophole.

A truly formal collection SMS must note the borrower's overdue amount, loan time, overdue days and other details.

Some text messages even note the borrower's loan contract number, etc.

In addition to unsubscribing back to text messages such as T, if the borrower receives text messages such as "suing, court leaflets, uploading dishonest persons, freezing Alipay, and savings cards", there is no need to panic, it is basically a fake text message.

Unless the borrower has been genuinely sued by the lender, no one has the right to freeze any of the borrower's property.

Even if they are sued, the borrower will receive a real flyer in the mail and stamped.

Moreover, the freezing of assets is generally carried out after the court has issued a judgment and then it is enforced.

If the online loan itself is non-compliant, then the overdue online loan will not have much impact on the personal credit status. However, your online loan records will be retained in the online loan big data. You can check through "Songguo Check" to view your online loan history, including details of online loan overdue, debt arrears, dishonesty information, and whether you have been included in the online loan blacklist and other information.

Extended information: Is it okay to reply to the collection SMS and unsubscribe?

Yes. 1. Not overdue: If the user is not overdue, he or she receives a collection SMS inexplicably, and after unsubscribing by replying to the specified content, he will not receive the collection SMS again.

And since the user's loan is not overdue, whether or not they unsubscribe from the collection SMS, it will not have any negative impact.

If the user receives collection SMS frequently, he will no longer be harassed by the collection SMS after unsubscribing from the SMS.

2. Overdue: The loan is overdue, and the overdue arrears have not been paid off, so it is ineffective to directly collect the SMS and unsubscribe.

Because the loan platform will continue to send collection SMS to users through a different port, users will receive collection SMS messages after a period of time.

In the state of overdue loans, unsubscribing from the collection SMS does not mean that the follow-up will be fine, as long as the user does not pay off the overdue arrears, the negative impact of overdue will continue to expand.

Although the collection SMS provides an unsubscribe function, it has no effect if the user fails to repay the loan after the deadline.

The user must pay off the overdue arrears as soon as possible according to the requirements of the collection SMS, and then unsubscribe from the collection SMS, so as not to be harassed by the collection SMS.

You can also intercept collection messages, but when the system sends messages to a different port, you need to intercept them again.