Is the information sent by the loan company credible?

Legal analysis: 1. The local court has its own official website. As long as you enter the case number, you can find out the details of this case and see if it is really prosecuted.

2. It must be sealed by the court. If you really send a scanned copy, you can carefully check the foothold. It should be the seal of the local court. Of course, it can also be fake, but it is illegal. Therefore, some online loans will use details that the borrower does not understand to stamp the chapter of the lending institution, which is useless.

3. The summons issued by the court will be accompanied by a civil complaint, evidential materials, notice of case acceptance, etc. Generally, a short message will be sent twice, the first time is to inform the case of acceptance, and the second time is to file a short message (the short message will finally have the website of the local court). You can log in to check the progress, and finally the summons will be mailed to me for signature.

If it is confirmed that the case is really filed, then you can choose to collect information to respond to the lawsuit or contact the court for mediation. If you have the opportunity, you can reduce a large part of liquidated damages, interest and handling fees.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 673 Where the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract.

Article 674 The borrower shall pay interest at the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan.

Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.

Article 175 of the Procedures for Handling Criminal Cases by Public Security Organs: If, after accepting a case, a public security organ considers that there are criminal facts that need to be investigated for criminal responsibility, and it belongs to its own jurisdiction, with the approval of the head of a public security organ at or above the county level, it considers that there are no criminal facts, it shall file a case, or if the criminal facts are obviously minor, there is no need to be investigated for criminal responsibility, or if there are other circumstances in which criminal responsibility is not investigated according to law, it shall not be filed with the approval of the head of a public security organ at or above the county level.