What is the verification code sent by 12368?

First of all, it should be clear that 12368 is the judicial information public service number in the national court information system. Although loans overdue was later prosecuted, he would receive a text message beginning with 12368.

However, the content of the short message will be headed by a people's court, and there will be relevant information such as the case number, cause of action, plaintiff, etc. The court will also issue a subpoena to the defendant, informing him to appear in court at a designated time and place to participate in litigation activities.

If, as mentioned above, the short message only contains the header and verification code of a people's court, and there is no case number, cause of action, plaintiff and other related content, it can be preliminarily confirmed that this short message is not really a prosecution.

The collection is likely to use the borrower's mobile phone number to register on the judicial network, and use the debtor's fear of being sued to pressure them to force the borrower to repay as soon as possible.

However, it should be reminded that even if the court SMS verification code sent by 12368 is not prosecuted, as long as the borrower really defaults on the loan, it is necessary to actively deal with the problem, repay the arrears as soon as possible if it is able to repay, and contact the loan platform for negotiation as soon as possible if it is unable to repay.

Extended data:

Overdue loans are also called "overdue loans" or "overdue loans". Refers to the unpaid part of the loan within the repayment period stipulated in the contract.

From the date of overdue, transfer to the overdue loan account, and indicate the words "overdue loan" in the header of the loan account. In order to urge the loan unit to return the overdue loan as soon as possible, 20% interest will be charged on the overdue part. According to the national loan regulations, if the principal and interest cannot be repaid on schedule, it shall be returned with the retained basic depreciation fund, enterprise fund or retained profit, and shall not be squeezed into the cost, occupy taxes or collect profits.

First, how to determine the interest period.

Interest shall be calculated from the date of borrowing, and when interest is settled according to the contract or regulations, compound interest shall be calculated from the date of default. There is no doubt, but it is not clear when interest or compound interest should be calculated.

One view is that the interest and compound interest of overdue loans should be calculated to the due date of performance determined by the judgment, and the borrower fails to repay the principal and interest of the loan on time. The bottom line of civil liability for breach of contract should be the due date of performance determined by the court judgment. Once the judgment determines the repayment date, the borrower may not continue to breach the contract after the judgment takes effect, which is the coercive, binding and executive power of the court judgment.

If the borrower still fails to pay off after the maturity, it shall bear the responsibility of delaying the performance of the court's judgment according to the provisions of Article 232 of the Civil Procedure Law of China, that is, double the interest on the overdue money. If the borrower pays off before the expiration of the performance period determined by the judgment, the interest payment shall be reduced accordingly on the basis of the judgment. This is a voluntary settlement between borrowers and does not violate the law.

Another view is that the interest and compound interest of overdue loans should be calculated until the actual repayment date, and the borrower fails to pay off according to the performance period determined by the effective judgment, which is not only an act of refusing to perform the court judgment, but also a continuation of the lender's breach of contract.

An act has two natures. A loan policy enjoys two kinds of creditor's rights for the convenience of borrowing money, namely, payment of deferred performance payment and liquidated damages, and is allowed to choose one of them.