What's the difference between a real collection and a fake collection?

1. All the information about wanted criminals, who are listed as untrustworthy people and Lao Lai is false. If you really broke the law and were wanted, why didn't the police come to arrest you? As for the perfidious Lao Lai, this can't be identified through collection. Only after the court's decision, refusing to return it may be included in the list of untrustworthy people.

2. As long as the contents of court prosecution and investigation by public security organs appear in short messages, they are basically false. First of all, if you are really sued, the court will inform you directly by landline number, and then send you relevant prosecution documents by registered mail; Secondly, if the public security organ wants to investigate you, it will directly look for you. Will they text you when they are free?

3. The text messages sent to you by private mobile phone numbers are basically fake. Who will send you a formal unit and formal documents, as well as a private mobile phone number?

4. The content of the information is what will happen if you don't repay the money, and then the people who finally let you contact Director XX and lawyer XX are all fake. The so-called director and lawyer are just another collector.

5. The SMS number starts with 106, and the word unsubscribe appears after the SMS. These messages are all sent by commercial SMS platforms, and they are all sent in groups. This kind of short message is ignored directly.

6. SMS is XX, XX, XX. How many people visit their families and conduct community surveys? This information is basically false. Many online loans are afraid to come to the door. Regular banks will contact you through the landline number if they want to come to the door. As for village committees and community surveys, they still don't have this right.

In the face of all kinds of threats and collection threats, people who say that they will sue, go to jail or freeze all their property under their names should not be easily believed. After loans overdue, most of the collectors will try their best to scare you into paying back. You should know that all lawyer's letters, collection letters and warning letters sent to you by phone, SMS or WeChat have no legal effect.

Calculation method of overdue x:

1. Article 207 of the Contract Law stipulates: "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 relevant state regulations."

2. The repealed "Economic Contract Law" and "Regulations on Loan Contracts" have clearly stipulated that interest plus penalty interest shall be paid for X days overdue. 1995 "notice of the people's bank of China on interest-bearing measures after adjusting the interest rate of x" (hereinafter referred to as the "notice") and 1999 "regulations on the administration of RMB interest rate" have detailed provisions on the collection of overdue interest of x, and the Supreme People's Court has also made corresponding answers to such questions.

3. According to the above provisions and trial practice, there are two main ways to calculate overdue X interest: one is to charge according to the agreed interest rate during the contract period.

4. Within the performance period agreed in the loan contract, the interest rate paid by the borrower can be calculated according to the interest rate agreement as long as it does not violate the provisions of the People's Bank of China on the upper and lower limits of the X interest rate of financial institutions, in which private lending is not higher than 4 times the X interest rate of the bank.