The online loan was overdue, and the other party sent a text message saying that they would sue and arrest me. Is it true or not?

Lawyer 1: Now, many collection messages say that they are well organized, and the arrest warrant has come down. I will also send you text messages and ink, and just go home to arrest people, so nine times out of ten it is either a liar or a collection agency.

when you are overdue, first, the internal staff will collect the money, but the internal collection can't come back, and then the bank will entrust this kind of case to the collection agency for collection and give them a commission. Of course, the commission is very rich, and there are also a few bank collectors. Generally, this living bank will not spend labor costs, because it will cost too much labor. There are a lot of people with overdue credit cards, but there are not so many credit card account managers. It is better to develop more customers and earn money back than to make efforts to recover accounts.

Therefore, it can be concluded that many short messages are false except that your debt is true! If it's not a collection agency or a bank, it's a liar. A real liar will use people's hearts, then tell you his phone number, invite you to contact him, and then start to implement real deception, which will not only make you unable to pay back the money, but also make you owe more money.

besides, what will happen to the arrears?

Generally, banks will regularly bring all cases of overdue credit cards to court for prosecution. If you can't be contacted, it doesn't matter. The announcement will be delivered, and then the trial will be held in absentia. Finally, the deduction will be carried out to recover the arrears! It is worth noting that if in the past, all cases of overdue credit cards would not be executed by the court in the end, it would be impossible for the judge to investigate and freeze the deduction case by case, and the workload was too large, so it was finally dropped. But now the world has changed! A large number of enforcement cases were squeezed in the court, and the court was helpless. Therefore, the Supreme Court took the lead, and the People's Bank of China, the China Banking Regulatory Commission and major financial institutions jointly pushed the network to check the frozen buckle. At present, it has been implemented, but the coverage is limited, and it will be further promoted in the future. The powerful point of this system is that it can query a person's accounts in all banks, and directly send the notice to the bank where the account is opened, and then the bank will complete the deduction in one go, which successfully solves the problem of checking the frozen deduction during implementation. This is really terrible, because Lao Lai has nowhere to hide, unless he doesn't need a bank card, Alipay, and only cash, otherwise as long as the bank account has money, it will be deducted.

let's talk about malicious overdraft again. Malicious overdraft of credit cards is indeed suspected of a criminal offence, and the judicial organs can arrest it. But the national public security authorities have done nothing to check, and are they dedicated to catching people who have malicious overdrafts? Can you finish it? And even if you do, the bank won't get the money, because at this time, even if you have money, you won't give it! Therefore, the bank would rather scare you into paying back the money, and other measures are rare. In the end, they all became dormant account, and disappeared after a few years of death.

lawyer 2: I'll summarize a few key points for you to see.

first, they broke away from the old collection SMS mode (you should pay back the money quickly, etc.) and adopted a new type of letter that looks very formal, such as the so-called warning letter of court prosecution.

second, they will come up with a lot of seemingly awesome legal basis and relevant regulations, which look very professional, so that the trust of the recipients will increase, and it will be asked whether I am really being sued. Are you really going to jail?

Third, they scare you with very awesome identities, such as public security law and lawyers, which looks more credible and more effective in scaring people.

What I want to tell you here is that if you receive the above or similar text messages and letters, please don't believe them!

Here's what's wrong with it:

First, if you really make an online loan, friends, it's only natural to pay back what you owe. Unless you haven't borrowed anything from others, you should still pay back the money. However, this is just an ordinary private lending dispute, which belongs to the category of civil disputes. There is no suspicion of fraud or contract fraud, so don't panic when you see these things. If you are willing, just contact the other party and tell them to sue, and then entrust a lawyer to respond. Why do you want to entrust a lawyer? Because lawyers know that there are more or less illegal routines in your online loans, since they want to take the law, then follow them well, who is afraid of who.

second, in fact, most people who receive this message or letter must have borrowed money, so most people still owe money. Then I will tell you about their formal loopholes. First of all, the court will not send the so-called lawsuit notice or warning letter to the defendant, let alone send a text message to you. Please, I am a national judicial organ. Is it so LOW?

Third, if you are really prosecuted, the materials you receive must be those with the national emblem of the court, rather than such LOW materials. Please read the warning letter, the title of which is the warning letter issued by the court, but the last place to sign it is the so-called lawyer. What are you doing? Only fools fall for it.

finally, let's talk about lawyers' letters. In fact, I have sent quite a lot of lawyers' letters at work, but here are the correct forms and key points of lawyers' letters. After reading this, you will know how fake that indecent warning letter is. First of all, although the lawyer's letter is called a lawyer's letter, it is actually not a letter sent by a lawyer personally, but it is sent in the name of a law firm, so the one with its own name stamped on it can't be fake any more. Then some friends asked, what if someone faked it and got a law firm seal? Hey. Not to mention that I have, I was almost blindfolded. Because the format looks ok, and then there is a chapter. Although the content is not very professional, what if it is written by a novice lawyer? Be tolerant, so when I was not sure, I went to search this law firm online. After typing the name of their law firm in the search bar, I found that all the people jumped out. Is the lawyer's letter from this law firm true or false? There is also a verification method. You can directly call the local judicial bureau to check whether there is this law firm.

of course, it's wrong for your credit card to be overdue, which goes without saying. What we are discussing here is whether the bank will send you a "filing notice" because your credit card is overdue. The answer is no.

banks do report suspected credit card fraud (i.e. malicious overdraft, etc.), but they are not considerate enough to send you the phone numbers of the police officers and lawyers handling the case. This is a well-designed game, using your "guilty" psychology to lead you into a trap step by step. The old-fashioned drama is that the "police officer" who answers the phone will tell you that a deposit will be paid to a designated account and will be returned to you after investigation. There are many new plays, which are staged almost every day now ... Anyway, in a word, let you make money.

this is a means for banks to collect staff, and the phone number of police officers is only the phone number of their internal staff or the phone number of a third party.

User 1: Let me talk about my experience. Before, the universal fund of Shanghai Pudong Development Bank was overdue by about 3, days, and the overdue days were more than 1 days. In the middle, a bank collector called to negotiate repayment. If they can handle part of it, they can apply for deferred repayment. I handled 2 once in the middle, and then I called every day. I just had to handle it today, so I hung up and didn't listen to you. Later, I stopped answering the phone directly, and then I received a text message and a lawyer's letter, which was sent directly to my unit by post. All this was false. They just want to make you feel that your behavior has constituted a crime through such a means, but it's really not that serious!

I remind you:

If you have money, pay it back. If you really don't have it, don't worry about it. You won't go to jail when you have it! Of course, you can't escape the money from the bank, and you will have to pay it back eventually. Take the time to make money, and don't worry about it and affect your work mood!