Is it true that 360 online loans say that debts are only transferred and not prosecuted?

360 online loan said that the lawsuit for the transfer of creditor's rights was not established and could only be initiated by the company.

Request, 360 IOUs to send information litigation notice may be true. If the user's 360 debt is overdue for more than 3 months, it is possible to inform the user before sending the complaint. However, due to the cost of suing users, 360 IOUs will not sue users most of the time. Even if you really want to sue users, users can negotiate repayment with 360 IOUs. As long as the two sides reach an agreement through consultation, the user can repay the loan as agreed, and then the 360 loan will be recovered. Even, 360 IOUs are not intended to sue users, but only threaten by sending litigation notices. After receiving the notice of litigation, the user may consciously repay the loan. In short, the user has received the lawsuit notice from 360 IOUs. As long as he is willing to repay, or has already returned part of the arrears, the subsequent 360 IOUs will not sue the user. 360 IOUs are small loans, and the loan amount applied by most users is not high. Therefore, after loans overdue, SMS collection and telephone collection are the main collection methods. So don't be too scared. Wish you a happy life. Thanks for asking?