How to identify whether online loan collection calls belong to fraud?

Generally speaking, regular collection calls will not threaten you.

Seeing "threatening text messages", even the people with the best psychological quality will inevitably shudder. Many overdue borrowers are worried about whether they will really be prosecuted, arrested or even imprisoned.

If you receive such a "threat message", you have a letter of advice. First of all, don't be confused. Not every overdue act will face prosecution or arrest; But we can't take it lightly, because there is indeed the possibility of being sued. As for how to measure the standard, it depends on the specific overdue time and amount of overdue borrowers and the regulations of different platforms for overdue users.

There is a precedent for facing prosecution after the deadline. Generally speaking, if the borrower's overdue time has exceeded the time limit stipulated by the platform and still fails to return it after repeated collection by relevant institutions, then the possibility of being sued is very high.

If a bank loan is overdue for 90 days (that is, 3 months), the bank may sue the borrower. However, because the relevant policies of banks are more standardized and strict, bank loan breach is a loan contract dispute, and banks have the right to sue the court for recovery regardless of the overdue amount.

For the online lending platform, it is relatively broader. If the borrower loans overdue has been in for more than half a year (that is, six months), he will receive the collection personnel to visit one after another; If the collectors are powerless, the online lending platform will also choose to sue the court for recovery. The online lending platform is more inclined to recover the borrowed money, so it is more likely to choose "violent collection".