Credit card arbitration notice SMS content

Netizen Dalin recently received a text message from Guangdong Arbitration Commission. However, some netizens said that this is a new way for the loan platform to collect money, just to threaten not to repay, regardless. And he himself is very skeptical. After all, the loan platform he applied for before also closed down some time ago.

Through the content of the short message, Dalin opened an email from online arbitration. Let's find out first, what is the real form of online arbitration notice? I found it on the official website of Guangzhou Arbitration, and it will be delivered to the parties by email or SMS.

So is the mail that Dalin received true or false?

I suggest that Dalin directly call the Guangzhou Arbitration Commission to confirm the authenticity. The result is: by confirming the case number of online arbitration, it can be confirmed that Dalin received the real notice of online arbitration!

In the e-mail of online arbitration received by Dalin, the contents of online arbitration are clear at a glance: arbitration notice, arbitration application, confirmation of creditor's rights transfer and so on.

In Dalin's e-mail, we can clearly see the content about the transfer of creditor's rights, which shows that although the small loan platform applied for before closed down, the debt still exists through the transfer of creditor's rights, and Dalin still has to fulfill the repayment obligation.

In addition, some netizens can't figure out that online arbitration will have arbitration fees and legal fees, and the cost is very high. Is the loan platform willing to do this?

I went to check, and the cost of online arbitration is not too high, which is much lower than the cost of cooperating with a third-party collection company (some collection personnel say that the collection company can get 20%-30% of the dunning amount). Therefore, it is normal for the loan platform to choose online arbitration.

Even after getting the real notice of online arbitration, some netizens said that arbitration was not a court decision and was not legally binding.

1, this netizen's understanding is wrong. The arbitral award is final and binding on both parties. If one party fails to perform the award, the other party may apply to the people's court for enforcement in accordance with the relevant provisions of the Arbitration Law and the Civil Procedure Law, and the people's court to which the application is made shall enforce it.

2. Online arbitration is legally recognized: Article 16 of the Arbitration Law stipulates that arbitration agreements include arbitration clauses in contracts and arbitration agreements reached in other written forms before or after disputes occur. Article 1 of the Judicial Interpretation of the Arbitration Law of People's Republic of China (PRC) stipulates that the "other written forms" of the arbitration agreement stipulated in Article 16 of the Arbitration Law include arbitration agreements in the form of contracts, letters and data messages (including telegrams, telex, faxes, electronic data interchange and e-mails).

It can be seen that online arbitration is legally recognized and binding.

What should I do after receiving online arbitration like Dalin?

1, according to the arbitration process, there is a mediation process before the award, and you can apply for mediation.

2. If you don't know how to handle it, you can directly call Guangzhou Arbitration Commission for consultation.

In the online arbitration application received by Dalin, the principal and interest of the loan and the amount of default are clearly defined, and the loan platform does not charge other fees, which is reasonable. I suggest that he reach a settlement with the loan platform and pay off the arrears as soon as possible, so that the loan platform will also withdraw the arbitration application.