Is it true that the text message sent by consumer finance said that it would come to the door?

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.

Did consumer finance send a message to the door immediately after the deadline?

False, that is, collecting money to scare you and ask you to pay back the money.

It is unrealistic to collect money at home. However, big data will be seriously damaged after it expires immediately. Third-party platforms can be used to check whether there are problems such as long-term lending, ID card risk list and loan blacklist. Moreover, in the case of consumer finance immediately collecting credit information, big data and credit information will be damaged, and comprehensive credit qualifications will be destroyed, making it difficult to get loans in the future.

Simply put, as long as you still need a loan, you must solve its arrears, which is the main risk control means of online lending. But there is no need to repay as it says, and it is best to negotiate interest reduction. If you don't agree, you can complain to the CBRC, Black Cat and other platforms. Now this piece of management is quite strict and the effect is still there.

No matter what kind of online lending platform, anyone who calls you to collect debts at home is a means of collection by collectors. As for the authenticity, most of them are to scare the debtor, but they really have to be collected at home. Therefore, we should be psychologically prepared in this regard.

As for why I called you home, the high probability is that the other party has not made any progress so far, so I will call you home to collect. If you are worried that coming to your home will affect your family and work, then I suggest you confess to your family and friends as soon as possible.

If it really can't be repaid in a short time, then try to pay off the loans related to credit information and big data first. If you don't know, you can check it directly on WeChat. For example, this official WeChat account can detect personal online loan details and credit problems, and bad records must be handled in time.

Is it true that consumer finance sends a text message saying that malicious arrears will come to you?

If they are really in arrears, then the news is true, because they all have personal information, especially their home addresses. If consumer finance has never been involved, then this text message is fake. It is normal for people who owe money and don't accept it. After all, financial institutions are engaged in risk. Once you borrow money and don't pay them back, they will definitely try their best to get them to pay back.

First, it is normal for lending institutions to collect money at home.

Under normal circumstances, lending institutions will have their own collection procedures. If the borrower is overdue, these lending institutions will generally follow the following procedures for collection.

Within one month after the deadline, it will be collected mainly by SMS and telephone.

In loans overdue, the frequency of text messages and phone calls will be more frequent for more than one month and less than three months. At the same time, they will send some lawyer's letters or court summons to the debtor (of course, many of these lawyer's letters or court summons are false). In addition, at this stage, some non-performing lending institutions will even contact the relevant contacts of borrowers.

Overdue for more than three months, and the amount is relatively large, then these lending institutions may come to collect. Of course, for institutions such as consumer finance, they have businesses all over the country, and mainly conduct business online, so their collection work is basically entrusted to local third-party collection agencies. If your overdue amount is relatively large, and the overdue time is more than three months, it is very likely that someone will collect it.

Two, the lending institutions must be in accordance with laws and regulations, can not use violent means of collection.

However, at present, the collection work of financial institutions such as consumer finance is generally entrusted to third-party institutions, especially for customers who are overdue for a long time. These consumer financial institutions may directly package these bad debts and sell them to other third-party companies at a relatively low price, so that third-party companies may adopt violent collection methods.

At present, the state has cracked down on the loan industry very severely, and lending institutions dare not violate the rules too much. Over the past year or so, China has been cracking down on all kinds of illegal loans from the public security departments to the regulatory authorities. The whole country is vigorously rectifying various illegal loans such as consumer loans, cash loans and routine loans. Up to now, a number of cash loan platforms and routine loan platforms have been terminated by the police.

Consumer finance sent a text message, and the home address said it would come to the door. Is it true?

Fake. What kind of organization is consumer finance? Some of them are very cunning, so don't pay attention and provide any personal and family information.