Is the notice of filing consumer financial arrears true? brief introduction

Is the filing of consumer finance really false?

It's true.

Received SMS notification of consumer finance. There will be the following situations: if you borrow money on the consumer finance platform for a certain period of time, then the SMS notification you received may be true. Of course, it is not excluded that some consumer financial platforms will put pressure on you in this way. If this happens, it is best to negotiate with the consumer finance platform and pay back the arrears as soon as possible. If we drag on, there may be other negative effects besides being sued. Finally, I advise you not to borrow too much! Because some consumer financial institutions will sue users who are maliciously overdue, users may also receive notice of filing arrears. However, many consumer financial institutions and lending platforms will put pressure on debtors by sending SMS notifications, but they have not actually prosecuted, so many people do not believe it. But if you receive a court summons or something, you need to pay attention. Of course, users should maintain good repayment behavior whether they sue or not. After all, in addition to prosecution, there are many negative effects caused by overdue. For example, after these platforms are overdue, they will report credit information to the central bank, and the platform and the third party will call emergency contacts. The overdue penalty interest will accumulate with the number of overdue days, so everyone should deal with the arrears as soon as possible. Once you need to sue, it will be more troublesome.

Generally, the arrears are overdue for more than 90 days, and no matter how much money, they will be prosecuted. If your debt is personal, it is a civil dispute and belongs to the scope of court acceptance. There is no legal minimum amount of debt. In theory, if you owe one yuan, you can also sue in court. If the amount owed is relatively small, it is up to the parties themselves to decide whether it is worth suing. If the borrower is really unable to repay, he should negotiate with the bank as soon as possible to express his willingness to repay and reach a repayment agreement as far as possible. If no agreement can be reached, the bank will file a civil lawsuit, and the court will mediate or make a judgment according to the situation. If you owe money to the bank, no matter how much, it will be very serious if you don't pay it back for more than three months.

Is the notice of filing consumer financial arrears true?

The filing notice of consumer finance arrears is false. The user applied for a loan for consumer finance, but owing money is not a civil dispute, and the civil dispute will not be filed. Unless it involves loan fraud, crime, etc. , then it may become a criminal case, and it will be filed after it becomes a criminal case. Therefore, the notice of filing a case received by users is generally used to intimidate users into paying off debts as soon as possible.

Moreover, even if consumer finance sues the user, then the user receives a subpoena from the court.

Is it true that the consumer finance filing SMS?

1, which may be true, because some consumer financial institutions will prosecute users who maliciously fail to pay back the overdue payment, so it is also possible for users to receive the notice of filing arrears. However, many consumer financial institutions and lending platforms will put pressure on debtors by sending SMS notifications, but they have not actually prosecuted, so many people do not believe it.

2. However, in general, the notice of filing a case is not a short message notice, but a written form. Therefore, after receiving similar information, if users are not sure whether it is true or not, they can go to the court to inquire. Generally speaking, sending similar short messages is mainly the collection of loan platforms or third-party collection companies. After all, many people are still worried about the court filing, so the collection uses the user's psychology to put pressure on it, and it is also to urge users to repay as soon as possible.

3. If you borrow money on the consumer finance platform for a certain period of time, then the SMS notification you received may be true. Of course, it is not excluded that some consumer financial platforms will put pressure on you in this way. In this case, users are advised to deal with it quickly after the loan platform is overdue. The longer the time spent in loans overdue, the more penalty interest will be accumulated, and the subsequent negotiation application will be affected.

First, what is consumer finance?

1. Traditional consumer finance is a modern financial service model that provides consumer loans to consumers at all levels. Whether from the perspective of financial product innovation or expanding domestic demand, consumer finance pilot has positive significance. Generally speaking, consumer finance refers to loans issued by consumer finance companies to borrowers for consumption (excluding house purchase and car purchase).

2. Consumer finance refers to a modern financial service mode that provides consumer loans. It faces all social strata and has no limited groups. The promotion of consumer finance is in line with the current macroeconomic situation in China. The loans provided by consumer finance belong to consumer loans, and the loan funds can only be used for consumption. In addition to consumer loans, consumer finance loans can usually be applied without guarantee and mortgage, so such loans are also credit loans, that is, borrowers can apply with good personal credit. Of course, the lack of guarantee and mortgage means that the loan interest rate of consumer finance is high.

Second, the manifestations of consumer finance

1. Consumer Finance Company-The so-called consumer finance company refers to a non-bank financial institution established in China, which does not absorb public deposits, and provides loans for the purpose of consumption for individual residents in China on the principle of small amount and dispersion. The registration threshold of a consumer finance company is 300 million yuan or equivalent convertible currency, and it is a one-time paid-in monetary capital.

2. The businesses of consumer finance companies mainly include personal durable consumer goods loans and general-purpose personal consumption loans, credit asset transfer and interbank lending, and issuance of financial bonds. The business of consumer finance companies mainly includes personal durable consumer goods loans and general-purpose personal consumption loans. The former is issued through dealers, while the latter is issued directly to borrowers. The supervision department of non-bank financial institutions of the China Banking Regulatory Commission said that the establishment of new financial institutions such as consumer finance companies is a necessary measure to promote the transformation of China's economy from investment-oriented to consumption-oriented.