Is it true that the law firm sent a text message saying that the on-site team had passed the deadline for household investigation and evidence collection?

Legal analysis: It is not illegal for online lending platform to call for payment by phone or SMS in regular online lending and overdue behavior occurs. Formal loans should be linked to personal credit information. When applying for a loan, you should check the credit information. If there is overdue repayment, it will have a negative impact on personal credit information.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 673 Where the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract.

Article 674 The borrower shall pay interest at the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan.

Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.