The loan sends a text message, and the loan interest pushes a text message.

What message will you send me when the online loan is overdue?

First of all, answer directly.

If the online loan is overdue for more than three months, the platform will have the right, but not immediately after three months. Because litigation often takes a lot of time and energy, it will not be easy. Unless it is really overdue for a long time, the arrears are also high, and the platform has not responded to repeated dunning, it is possible.

Second, the specific analysis

If the borrower fails to repay the loan after the judgment, it may be enforced, and even the borrower may be listed as a faithless person. We also need to pay attention to the fact that overdue itself will also bring serious adverse effects. Before the arrears are paid off, we will continue to collect penalty interest, and personal credit will be damaged due to overdue.

Quickly check in the north, get a big data report, find out your overdue records, and classify your online loans, formal and informal, with credit and without credit. If you want to pay back the money but don't have enough funds, then negotiate with the online lending platform, give priority to formal credit reporting, and minimize the impact on yourself.

Three, personal credit records query website official website download?

There are several ways to check personal credit.

1, go to the People's Bank of China for on-site inquiry. You can bring your ID card to the branch counter of the People's Bank of China or print your own credit report. However, there are not many online loans from the People's Bank of China, so you need to make corresponding arrangements in advance.

In addition, you can only go to the outlets of the People's Bank of China for credit inquiry on working days, and the People's Bank of China may not go to work on non-working days, so you need to make corresponding time arrangements. When printing a credit report, you can choose to print a short version or a full version of the credit report. A person can only print a credit report for free twice a year.

2. Go to the commercial bank authorized by the People's Bank of China to inquire about credit information. Since there are not many outlets of the People's Bank of China, in order to facilitate the inquiry of credit information, the People's Bank of China will authorize some commercial banks to have the function of inquiring and printing credit information. You can call the local people's bank to find out which commercial banks can check the credit information, and just bring your certificate.

Inquiring about credit information in commercial banks is similar to that of the People's Bank of China, which needs to be handled during bank working hours. The same person can only print the credit report twice a year for free. The mobile banking of some banks has also opened the right to inquire about credit information.

3. Inquire in official website, Credit Information Center of China People's Bank. If you don't need to print a full version of the credit report, you can go to the online credit information center of the People's Bank of China, register and log in your account information, and then you can apply for viewing your credit report.

However, the credit information inquired by the online credit information center is a simplified report, through which you can have a general understanding of your own credit information, but sometimes it can't be used as a loan voucher and needs some understanding.

4. Inquire about credit information through some third-party institutions. At present, there are some third-party organizations, such as Beijian Quick Check and Xiaoqi Credit Information, which have the function of inquiring about the credit of online loan big data. Click to query now.

There are many ways to query personal credit reports, so you can choose the appropriate way according to your actual situation.

What are the regular dunning SMS numbers? What are the regular dunning methods?

After the borrower loans overdue, the lender lost a sum of money, and the first reaction was definitely to recover the arrears. Most lenders collect debts through collection, which is mostly in the form of phone calls and text messages. What are the regular dunning SMS numbers? What are the regular dunning methods?

What are the regular dunning SMS numbers?

In fact, there is no fixed number when the lender or the collector sends the collection message. These collectors or lenders generally choose to cooperate with regular telecom platforms and send dunning messages with numbers approved by the State Grid.

Such as 1068, 1069 and so on. , all belong to the more common regular set of SMS numbers. Phone numbers start with 955. If they start with 00, many of them are fake.

If the borrower really can't judge the truth by the dunning number, he can also judge it by the content of the short message. Regular collection of short messages will clearly indicate the standard borrower's loan contract, overdue principal, overdue interest, etc. If the short message only urges the borrower to repay, then nine times out of ten it is a fake collection message.

What are the regular dunning methods?

Formal lending institutions will remind borrowers of repayment by SMS or telephone after they are overdue. No short message bombing, no telephone harassment, no unauthorized contact with the borrower's relatives and friends or work units. In addition, the door-to-door collection also needs to bring a third-party notary, and the borrower's consent is obtained in advance before the door-to-door collection can be carried out.

Direct dunning of borrowers is also one of the formal dunning methods.

The above is the related content sharing of "What are the regular dunning SMS numbers?" I hope I can help you!

How to reply to the dunning information of consumer finance companies?

The correct consumer finance collection SMS is as follows:

Consumer finance XXX, your loan has been seriously overdue, and your account has been judged as a high-risk overdue account by our department. Repeated phone calls can't reach you normally. Not answering the phone doesn't mean you don't need to pay back. Our department will contact your parents, relatives and work units to verify your personal economic situation. In order to avoid damaging your personal reputation, please go to the app to apply for overdue loans before 16 pm at the latest. Unsubscribe back to t

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. Consumer finance is not a loan platform, but a financial service mode that provides consumer loans to consumers at all levels.

3. Consumer Finance Company is a non-bank financial institution established with the approval of China Banking Insurance Regulatory Commission, which provides loans for the purpose of consumption for individual residents 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.

4. Customers can apply for loans from the above-mentioned consumer finance institutions. Generally speaking, as long as the personal credit is good and there is enough repayment ability, the loan can be successfully obtained. In addition, some consumer finance companies cooperate with other lending platforms and can also issue loan funds as lenders.

Second, how to deal with the harassment of consumer finance collection SMS?

1. With the introduction of online loan management measures, violent collection has also become the focus of the regulatory authorities. If the collection of online loans seriously affects the physical and mental health of borrowers and violates the rules, then you can collect relevant evidence first and then report it through certain channels.

2. China's laws have the following provisions on private lending. If the interest rate agreed by the borrower and the borrower does not exceed 24% per annum, and the lender requests the borrower to pay interest at the agreed interest rate, the people shall support it. If you have no money at hand, you should also show a good willingness to repay, actively communicate and coordinate on the platform, and make a repayment plan acceptable to everyone. Repayment on time is fundamental, so it won't.

I received a reminder of consumer finance. What happened? ?

Receiving consumer finance SMS may be due to user registration, browsing loan platform, loan expiration, platform dunning, loan emergency contact or personal information disclosure.

First of all, the reasons for receiving consumer finance information

1. There is no lending behavior.

Customers have logged on some loan platform websites before surfing the Internet, or paid attention to the advertisements of loan platforms. Therefore, it became the target customer of the platform and was sent many short messages recommending loans. 2. Borrowing behavior.

The platform reminds customers not to forget to repay. Of course, it is also possible that the customer owes money after borrowing money, and the platform sends a text message for dunning.

For some malicious overdue users, the relevant lending institutions/platforms will take some repayment methods, such as sending text messages and making phone calls. , but learn to distinguish the authenticity of the repayment message received.

3. Other circumstances

(1) Some relatives and friends borrowed money, and then regarded the customer as the emergency contact person for their loan, leaving the contact information of the customer. The loan platform can't contact each other, so it naturally finds customers.

(2) The customer's personal identity information was leaked, stolen by criminals and defrauded. The other party did not return the money after borrowing it, and the platform found the customer according to the information left by the other party. In this case, the customer can make it clear to the platform without having to bear the repayment responsibility. Second, how to prevent it

1. Don't tell anyone your ID number, bank code and bank card password anytime and anywhere.

2. When you can't tell whether the text message is true or false, you should call the bank's enquiry number at the first time.

Note: don't call the number left in the text message first!

3. Don't call back with your mobile phone. You'd better find a landline to call back.

4. The best way is to ignore some unfamiliar short messages that are completely unrecognizable.

If you are cheated, please report it immediately.

6. Don't talk to strange text messages-don't believe, don't be greedy, don't reply, this is the killer to deal with text messages.

In short, when you receive a loan message, you should first identify the authenticity of the content and be alert to some messages that need links/credit. Of course, users still need to repay in time, maintain good repayment habits, and reduce the probability of receiving such short messages.

Where is the notice message of consumer finance filing?

1. In general, the notice of filing a case will not be notified by SMS, but in written form. Therefore, after receiving a similar message, users can check it if they are not sure whether it is true or not.

2. Generally speaking, it is mainly the collection of loan platforms or similar short messages sent by third-party collection companies, in order to urge users to repay as soon as possible.

What is the impact of evading debts and maliciously overdue loans?

1. It will be recorded in the credit report.

2. Other channels will also have overdue repayment records.

For example, for users who evade debts, the local mutual fund association will also release information in the official and play it in turn.

3, affect the follow-up consultation application

Users should deal with overdue loan platforms as soon as possible. The longer loans overdue time, the more accumulated penalty interest.

10655 What SMS platform is it?

10655 is a short message platform for loan collection.

Loan collection is the collection of non-performing loans, including sluggish loans and overdue loans. Sluggish loans refer to loans that have not been returned after the expiration of the prescribed period (including extension) according to the relevant regulations of People's Republic of China (PRC) and the Ministry of Finance.

Or loans that are not overdue or not up to the specified number of years, but the production and operation have been terminated and the project construction has stopped, excluding non-performing loans. Overdue loans refer to loans due according to the loan contract, including overdue loans after extension, excluding sluggish loans or non-performing loans.

loan

Loan refers to a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. The simple and popular understanding is to borrow money with interest.

Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.

Interest refers to the remuneration paid by the borrower to the lender in order to obtain the right to use the funds, which is the use price of the funds in a certain period (that is, the loan principal). The loan interest can be calculated in detail by the loan interest calculator.

Why do you keep sending me dunning messages after the loan?

It shows that users who apply for loans overdue on the platform will regard you as an emergency contact, or the two parties have frequent detailed calls, which is recognized as close by the platform. So when the borrower can't be contacted or the borrower's repayment attitude is negative, a dunning message will be sent to the contact person's mobile phone.

There are two main reasons. The first one is that the debtor really doesn't know, but there are many calls, express delivery, take-out and customers. The second is that the user's mobile phone number is "old card", and finally the owner has more contact with the debtor.

Loan repayment method

(1) Equal principal and interest repayment method: equal repayment every month, the sum of loan principal and interest. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

(2) average capital repayment method: that is, the borrower distributes the loan amount to each period (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

(3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;

(4) Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, which is generally an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

(5) prepayment of all loans: that is, the borrower can repay all the loan amount in advance when applying to the bank, and the loan bank will terminate the borrower's loan at this time after repayment and handle the corresponding cancellation procedures.

(6) Pay back as you borrow: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.

Interest refers to the remuneration paid by the borrower to the lender in order to obtain the right to use the funds, which is the use price of the funds in a certain period (that is, the loan principal). The loan interest can be calculated in detail by the loan interest calculator.

In civil law, interest is the legal fruit of principal.

The benchmark interest rate is a universal reference interest rate in the financial market, and other interest rate levels or financial asset prices can be determined according to this benchmark interest rate level. Benchmark interest rate is one of the important prerequisites for interest rate marketization. Under the condition of interest rate marketization, financiers measure financing costs, investors calculate investment returns, and management regulates macroeconomics. Objectively, a universally recognized benchmark interest rate level is needed as a reference. Therefore, in a sense, the benchmark interest rate is the core of the formation of interest rate marketization mechanism. Simply put, you usually deposit money in the bank and he gives you interest. The greater the benchmark interest rate, the more interest; The smaller the benchmark interest rate, the smaller the interest.

This concludes the introduction of loan interest SMS and loan SMS. I wonder if you found the information you need from it?