Is it true that consumer finance receives text messages at home?

Is it true that consumer finance collects money at home?

Consumer finance home collection is fake. If the amount you owe is not large and the overdue time is not long, you won't really come to you. Unless you owe hundreds of thousands, and it is seriously overdue, in that case, it is not impossible to collect it at home.

Extended data:

1. What is consumer finance?

1. Consumer finance is a modern financial service model that provides consumer loans to consumers at all levels. Under the current macroeconomic situation in China, it is necessary to introduce relevant management measures in time to adapt to the trend and needs of the objective economic situation. From the perspective of financial product innovation, personal credit business is an area that traditional banks cannot fully benefit from. Establishing a professional personal consumption financial system can better serve individual residents.

2. A consumer finance company is a non-bank financial institution established with the approval of the China Banking Insurance Regulatory Commission, which provides loans for consumers in China. For example, Gitzo Consumer Finance, Instant Consumer Finance, Zhongyuan Consumer Finance, China Post Consumer Finance and Shanxi Merchants Consumer Finance. There are Xiaoman Finance, Suning Finance, Jingdong Finance and so on. 、

Customers can apply for loans at the above-mentioned consumer finance institutions. Generally speaking, as long as they have good personal credit and sufficient repayment ability, they can successfully borrow money. In addition, some consumer finance companies cooperate with other lending platforms and can also issue loan funds as lenders.

Second, the supervision of consumer finance has become stricter, and the growth rate of the industry has slowed down significantly.

1. The consumer finance industry in China has reached a mature stage. According to the Report on the Development of Consumer Finance Companies in China (202 1) issued by China Banking Association, by the end of 2020, the assets of domestic consumer finance companies exceeded 500 billion yuan for the first time, up by 5. 18% year-on-year. The loan balance increased by 4.34% year on year. In contrast, in 20 19, the year-on-year growth rates of asset scale and loan balance were 28.67% and 30.5%, respectively, and the growth rate of the industry slowed down significantly.

2. At the same time, in 20021year, the supervision faced by the consumer finance industry will be further tightened. In August this year, many regulatory authorities required the consumer finance companies under their jurisdiction to control the personal loan interest rate within 24% in an all-round way, and set a transition period to make adjustments, which directly led to the compression of the profit margin of the consumer finance industry.

3. Prior to this, in response to the chaos of medical loans to the United States, in June 20021,the Internet Finance Association issued the "Initiative on Regulating Financial Products and Services Related to Medical Beauty", requiring financial institutions not to cooperate with any illegal medical beauty institutions and not to provide relevant financial products and services to any illegal medical beauty institutions. At the same time, with the implementation of the policy of "Opinions on Further Reducing Students' Homework Burden and Off-campus Training Burden in Compulsory Education Stage" issued by the General Office of the Central Committee and the General Office of the State Council in July 20021,the supervision of loans in the training field has been strengthened, and the training loans related to exam-oriented education have also been impacted, and the business has obviously shrunk.

Is it true that you received the reminder of consumer finance?

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 it true that consumer finance receives text messages?

Consumer finance collection SMS is a third-party collection agency.

1. Collection means that the money you owe to the bank or online lending platform is not paid back in time, and it is overdue, and the internal staff of the other party or the entrusted third-party collection agency collects the arrears from you. This is a very professional, organized and disciplined team with strict training, all for one purpose, so that you can return the money. In this process, the other party will have some illegal or even illegal operations. There are also some fake actions, fake operations, cajoling, scaring, even threats, intimidation and so on. Although the purpose is to make you pay back the money, after all, you owe the other party money. Even if you pay back the money because of the other party's collection action, this should not be equated with "fraud". So the above is for your reference. If you have any related questions, you can consult me, leave your contact information and telephone number for detailed communication.

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Second, in fact, in any case, it is only natural to pay back debts. As long as you don't cheat, provide false information and make up stories to get a loan, you won't bear criminal responsibility, such as going to jail, as we often say, but make sure that the information you provide is true and you don't deliberately escape. No matter who collects money from you, if the other party violates the rules, you can complain and safeguard your legitimate rights and interests. But the fact is that there will be violations in most cases, so there is an anti-collection on the internet, which specifically advertises that interest can be paid without interest or less. They have channels to let the staff of banks or consumer finance companies ask for interest rate cuts in violation of regulations. But then again, people are not free, and they want to charge you. This is no small matter. The important thing is that many people cheat you with the gimmick of giving you interest relief.

Third, say that your loan has not been submitted to the arbitration commission for arbitration, and inform you to download the arbitration results from the xx arbitration website or make telephone consultation. We should know that the result of arbitration is legally binding, and the arbitration commission itself has no right to enforce it. When one party fails to perform the arbitral award, the other party may apply to the people's court for enforcement, and the people's court that accepts the application shall enforce it, so the arbitral award has the force of enforcement. In other words, the arbitration result can be applied to the court for enforcement, and your assets may be frozen, sealed up or deducted as the result of the court judgment.