China Merchants Finance sued SMS for overdue.

If you really owe money, this possibility may be true. After all, you do owe money.

First of all, it may be true.

Although the interest rate is a bit high, the product is still quite good. It's not good to lose credit for that little money. Zhaolian is a cooperation between China Unicom and China Merchants Bank, so pay back quickly and cherish your credit. Welcome to adopt. I'm sure I understand that the court will file a case and your future life will be affected. You can't take high-speed trains and planes, and your children will be restricted from going to school.

Second, recruiting finance.

Zhaolian Finance is a consumer finance company jointly established by China Merchants Bank and China Unicom, and has a formal license. Therefore, the early collection of Zhaolian Finance is very similar to that of banks. In the process of collection, there are few cases of home collection by recruiting financial arrangements, and other collection methods are generally the main ones.

: Common collection methods

1, debt collection method

After loans overdue, the first collection methods adopted by Zhaolian Finance were telephone collection and SMS collection. In the case that telephone collection and SMS collection are fruitless, Zhaolian Finance can collect the overdue payment through prosecution. From experience, those who have four characteristics are easily collected at home. These four characteristics are: the amount of arrears in Zhaolian Finance is very huge, and the amount is at least 50,000 yuan; Refuse to cooperate with repayment and use various means and methods to fight against collection; Having a recruiting financial office or a cooperative third-party collection agency; Loans are in arrears for a long time, usually more than three months. Generally speaking, there are not many cases of door-to-door collection by Zhaolian Finance, but this possibility is not ruled out. Kuan Jie believes that no matter whether Zhaolian Finance will come to the door for collection, everyone should actively cooperate with the repayment, otherwise the price will be great.

2. Timely repayment

If there is no one-time repayment, the bank will notify you by phone or SMS and remind you to repay on time, and will also generate penalty interest. If the repayment is not made for three times in a row, the bank account manager will make a collection and the borrower will be punished. If the number of overdue repayments reaches six or more times, and the negotiation between the bank and the borrower fails, and the court decision is not fulfilled during the performance period, the bank will apply to the court for enforcement. When accepting enforcement, the court will inquire about the real estate, vehicles, securities and deposits under the name of the lender according to law. If the lender has no property available for execution, refuses to perform the effective judgment of the court, overdue repayment and other negative information will be recorded in the personal credit report, and will be restricted from high consumption and entry and exit, and may even be punished by judicial custody. The loan applicant has the ability to execute the judgment or ruling and refuses to execute it.