Is it true that 360 borrowed money to send a lawyer's letter by text message?

It is true that the 360 loan text message sent a lawyer letter.

loan

A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest. Among them, the party that borrows money from the other party is called the borrower, and the party that borrows money is called the lender. According to different lenders, loan contracts can be divided into financial institution loan contracts and natural person loan contracts, both of which are typical property ownership transfer contracts.

If the creditor's rights certificate such as IOUs, receipts and IOUs held by the parties does not specify the creditor, and the party holding the creditor's rights certificate brings a private lending lawsuit, the people's court shall accept it. The defendant raised a factual defense against the plaintiff's creditor qualification, and the people's court ruled that the plaintiff did not have the creditor qualification after examination and dismissed the prosecution.

The people's court shall support the online loan platform provider who expressly provides a guarantee for the loan through websites, advertisements and other media or has other evidence to prove that the lender requests the online loan platform provider to assume the guarantee responsibility.

If the interest agreement between natural persons is unclear and the lender claims to pay interest, the people's court will not support it. Except for the loan between natural persons, if the agreement on the loan interest between the borrower and the lender is unclear, and the lender claims interest, the people's court shall determine the interest according to the contents of the private loan contract, the local or the parties' trading methods, trading habits, market quotation and other factors.