How to reply to consumer finance collection SMS?

The processing method of consumer finance dunning SMS is as follows:

1. If the borrower does have a loans overdue, the platform will send a reminder. If the borrower is not overdue or has not used the platform loan, it is necessary to pay attention to the authenticity.

2. First of all, judging from the content of the short message, if the borrower owes XX yuan, it has been overdue for XX days. If you don't return, you will sue, and if you collect it at home, it is mostly false content. Because according to the regulations, it is illegal to collect money at home. If a lawsuit is filed, it is also a summons issued by the court.

3. If the borrower does apply for a loan, then the content of the normal collection message will basically have a corresponding template. The SMS will clearly indicate the amount owed by the borrower, the owed unit, overdue amount, overdue time, overdue penalty interest and so on. After receiving such a short message, the borrower must think about whether he has repaid the loan.

4. If the repayment is made, you can call the platform customer service and ask if there is anything wrong. If you don't return it, it's mostly false news. If the SMS suffix allows the borrower to contact Director XX and Commissioner XX, it must be a fake SMS collection.

If someone uses the borrower's information to borrow money, the borrower need not panic. According to the regulations, the loan after personal information is stolen is invalid and does not need to be returned.

Forms of consumer finance

Consumer finance company-the so-called consumer finance company refers to a non-bank financial institution established in China, which does not absorb public deposits, and provides loans for consumption purposes for individual residents in China on the principle of small amount and dispersion.

The registration threshold of a consumer finance company is 300 million yuan or equivalent convertible currency, and it is a one-time paid-in monetary capital.

The business of consumer finance companies mainly includes personal durable consumer goods loans and general-purpose personal consumption loans, credit asset transfer and interbank lending, and issuance of financial bonds.

The business of consumer finance companies mainly includes personal durable consumer goods loans and general-purpose personal consumption loans. The former is issued through dealers, while the latter is issued directly to borrowers.

The supervision department of non-bank financial institutions of the China Banking Regulatory Commission said that the establishment of new financial institutions such as consumer finance companies is a necessary measure to promote the transformation of China's economy from investment-oriented to consumption-oriented.