What's the matter with sending me a text message because of the 360 debt?

If there is a real creditor-debtor relationship, this information may be true.

Legal analysis

First of all, it is necessary to determine whether there is a real creditor-debtor relationship, and whether the parties really borrowed 5,000 yuan on the 360 loan platform.

Secondly, if the parties do borrow money on the 360 IOUs, it shows that there is a real creditor-debtor relationship. If they breach the contract, that is, they fail to repay the money within the time limit, then they may be sued. After the contract comes into effect, it is binding on both parties, and all parties to the contract should fully fulfill their obligations. When one party breaches the contract, the other party has the right to bring a lawsuit to the court.

Thirdly, the target amount of the loan contract in this case is 5000 yuan, which is not large. According to the law, small claims procedure in summary procedure can be applied. Since it is a simple procedure, the ordinary procedure is much simpler. For example, according to the law, a judge can choose to call or send a text message to inform the defendant of the relevant facts and rights when applying the summary procedure to hear small claims.

Finally, if the parties did borrow money on the 360 IOUs platform and failed to change it within the time limit, it is entirely possible to be sued. The news may come from the court.

Personal recommendation

Since I owe money, I suggest paying it back in time. It is best to negotiate for the other party to withdraw the lawsuit or reach a mediation agreement.

legal ground

Article 667 of the Civil Law of People's Republic of China (PRC) is a loan contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 274 of the Interpretation of the Supreme People's Court on the Application of the Civil Procedure Law of People's Republic of China (PRC), the following monetary payment cases shall be tried by small-sum litigation procedures: (1) disputes over sales contracts, loan contracts and lease contracts; (two) the identity relationship is clear, only the amount, time and way of payment disputes, as well as disputes about alimony, childcare fees and maintenance fees; (3) Disputes over traffic accident damage compensation and other personal injury compensation with clear responsibilities and only disputes over the amount, time and payment method; (four) water supply, power supply, gas supply and heating contract disputes; (5) Bank card disputes; (six) labor contract disputes with clear labor relations are only about the amount, time and payment method of labor remuneration, medical expenses for work-related injuries, economic compensation or compensation; (seven) labor contracts with clear labor relations and only disputes about the amount, time and payment method of labor remuneration; (eight) property, telecommunications and other service contract disputes; (nine) other payment disputes.

The Supreme People's Court's Interpretation on the Application of the Civil Procedure Law of People's Republic of China (PRC) (revised in 2020) Article 261 When a case is tried by summary procedure, the people's court may summon both parties, notify witnesses and serve litigation documents other than the judgment documents by telegram, telephone, short message, fax or e-mail. The people's court shall not make a judgment by default if the notice of hearing served in a simple way has not been confirmed by the parties or there is no other evidence to prove that the parties have received it. When a case is tried by summary procedure, the judge shall be the sole judge and the clerk shall be responsible for recording it.

What's the matter with sending me a text message because of the 360 debt?

If the user's 360 IOU is in repayment status, the system will send a short message to remind the user to repay before or on the repayment date. However, if the user does not apply for 360 IOUs, but registers a loan account, then 360 IOUs may push advertising messages to the user from time to time. Therefore, after receiving 360 short messages, users can check the contents of the messages, and users who are not reminding of repayment can ignore them directly.

As for users who did not apply for 360 IOUs, but received short messages reminding repayment, it may be caused by system error.

What does it mean to send a text message saying that my account has payment on behalf of me, and I need to improve the information?

Reason:

1. I have visited the website, official WeChat account, life number and applet.

If you have visited official website, where 360 IOUs were entered on the computer, or paid attention to the official account number, life number and applet of 360 IOUs in Alipay and WeChat, and consulted the loan business, you will leave personal information and be regarded as a potential customer group by 360 IOUs. In order to attract customers, 360 IOUs may send text messages to recommend loans from time to time.

Second, I registered a platform account with 360 IOUs.

If you have a platform account registered with 360 IOUs, but you have not applied for a loan, 360 IOUs should also send a product recommendation message to attract users to apply for a loan. As long as it can attract customers, you can naturally collect profits by lending.

Third, I applied for a loan of 360 IOUs and haven't paid it back yet.

I used to apply for a loan in 360, but I always forgot to repay it. In order to recover the money, the 360 loan will naturally send a text message for dunning. In this regard, as long as the arrears are paid off in time, 360 IOUs will naturally not send dunning messages.

Fourth, 360 borrowers send text messages in groups.

In order to expand their business, many loan platforms may advertise by sending product marketing information on a large scale through the number segment. If you have a cooperative relationship with other platforms, you may collect background user information of the cooperative platform and promote it to each other.

Verb (the abbreviation of verb) a scam message from a criminal.

Some criminals may use the third-party short message service platform to send short messages to others in the name of financial institutions. The short message content may contain links. If you click on the link without knowing it, your personal information may be stolen, resulting in security risks and money losses.

360 IOUs send text messages every day, why can't they be intercepted?

360 IOUs send text messages every day, but they can't be intercepted because all the SMS numbers of 360 IOUs are different. When a number is intercepted, other numbers will send text messages.