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What should I do if a collection text message starting with 1065 is sent to my family?

What should I do if the 1069 lawsuit text message was sent to my family?

1069 sent a message saying that it would send materials to my home and also sued you. First of all, it is certain that the collection that starts with 1069 Text messages are generally true. Because numbers starting with 1069 are very common in commercial SMS platforms, based on the three major operators, through the Internet and big data, group SMS can be easily realized. Therefore, collection text messages starting with 1069 are also commonly used by various large and small loan institutions.

There is a difference between a lending institution saying it wants to sue and having already sued. If in a text message starting with 1069, the collection officer informs the institution that the institution has sued the borrower, it is most likely to scare the borrower in order to collect the debt. Because once a lawsuit is filed, the court will notify the borrower of the summons by mail or telephone notification as soon as possible. The state supervises the collection of small loans very strictly, especially prohibiting violent collection. When collection agents have limited means, they will choose to pretend to sue the borrower in the content of the text message to scare the borrower. If the borrower is really worried, you can also choose to find the official website of the local court to check the specific situation. If there is a case number, it means that the borrower has indeed been sued. If not, it means that the prosecution is nonsense. What should I do if I receive a debt collection text message?

1. Collection text messages with the words "Unsubscribe and reply" at the end.

Most of these text messages start with 106X. They are batch text messages sent by some commercial platforms and are very likely to be fake.

2. A text message that does not specify the loan contract number, repayment amount, overdue amount and other loan details.

This type of debt collection text message does not even clearly explain the content of the debt collection. It only creates momentum and is naturally not worth believing. Let alone ignore it to avoid being deceived.

3. Text messages containing intimidation, threats, abuse and other violent collections.

Let’s not talk about whether the borrower really fails to repay the loan after the due date. The content of this kind of collection text message is illegal. If the borrower feels that his or her safety, reputation, etc. have been harmed, he can call the police directly. Do not give any reply.

3. Warm Tips

1. If you no longer want to receive these false or violent collection text messages, you can use the text message interception function in the mobile phone settings to intercept them, or you can Feedback to the local financial regulatory department, make a report and complaint, or directly call the police, and retain the collection text message as evidence.

2. If it is true that you have not repaid the loan overdue, you cannot escape. The lending institution can also take legal measures to recover funds and safeguard rights, such as issuing a lawyer's letter, filing a lawsuit in court, etc. After all, sending collection text messages no longer works.

3. If the overdue default record is reported to the central bank for credit reporting, it will need to be retained for 5 years from the date of overdue settlement. If you go to court and are forced to repay the debt by the people's court, you may be included in the list of dishonest persons subject to enforcement and be publicized nationwide as a sign of credit punishment.

In Xiaoqixincha, you can get a big data report, find out your overdue records, and classify your online loans into formal and irregular ones, those that are credit-reported and those that are not. Believe it. If you want to repay the money but don't have enough funds, then negotiate with the online loan platform and give priority to repaying those with regular credit reports to minimize the impact on you.

Extended information:

Should I ignore collection text messages?

Generally speaking, there is only one situation that needs to be paid attention to, and other situations do not need to be ignored.

This situation is:

1. There is indeed a loan in your name, and the repayment is indeed overdue;

2. The collection text message is indeed from It will be sent starting from the repayment date;

3. The collection content is only a reminder of failure to repay the current period, how much should be repaid, and how to make it up as soon as possible to avoid overdue payments, etc.

When seeing such a text message, the borrower does not need to reply. He only needs to make an inquiry and deposit enough funds into the loan repayment bank card in time. The lending bank will usually automatically make additional deductions. Specifically, you can Contact the lending bank by phone.

For example, for a loan from Bank of Communications, the system will initiate three deductions around 03:00-05:00, 18:00-20:00 and 21:00 on the repayment date. If all three deductions are If the balance is insufficient, additional deductions will be initiated at the same time every day. Therefore, after receiving such collection reminder text messages, you need to deposit sufficient repayment funds in the loan repayment in a timely manner and cannot ignore it. How to deal with debt collection and harassment of family members?

1. Answer positively

If debt collection harasses family members, the borrower can choose the following methods to deal with it.

2. Specific analysis

1. Use mobile phones to block collection numbers

Although most collection numbers are not fixed, they are basically unfamiliar numbers. People can directly set up the function of blocking calls from unknown numbers to help their families avoid the harassment of debt collection.

2. Report to the operator to which the number belongs

You can directly find the operator of your family member’s mobile phone number and inform them of the current situation. The operator will verify whether the number has been harassed. Once it is determined that the number has been harassed, relevant measures will be taken to protect the number.

3. Set up third-party software interception

The borrower can help family members download a third-party software interception. Such as: Tencent Mobile Manager, Baidu Mobile Guard, 360 Mobile Guard, etc.

It should be noted that neither the software function that comes with the mobile phone nor the third-party interception software can block all collection numbers, but can only reduce the harassment of family members by collection calls to a certain extent.

4. Ask for help from the public security agency

The borrower can also choose to collect relevant evidence of family members being harassed, and then directly find the local public security agency for help. The public security agency will contact the collection personnel to allow both parties to negotiate.

If you encounter an emergency, such as the loan company sending people to collect debts, using abuse, threats, intimidation, spray painting, etc., or taking drastic actions against the borrower's family, you can call the police immediately. Stop the behavior of debt collectors.

5. Timely repayment

If conditions permit, the borrower can choose to repay in time. After the loan is paid off, the collection agents will naturally stop collection and will not harass the borrower's family.

6. Directly sue the lending institution or collection personnel

The borrower can also choose to sue the lending institution. According to regulations, if the lending institution can contact the borrower during collection, it is You are not allowed to harass the borrower's family or friends, as this is a soft-violence collection.

7. Online complaints

Borrowers can also choose to complain on some online platforms, such as the China Internet Finance Association.

According to regulations, if a borrower faces violent debt collection, he or she can report it to the China Internet Financial Reporting Information Platform, the complaint hotline or email system of relevant regulatory agencies.

You can get online loan big data reports from the "Xiaoqixincha" platform, which contains information such as online loan history, online loan overdue details, debt status, dishonesty information, and online loan blacklists.

3. Is it useful to complain about credit card debt collection and harassing family members?

Family complaints about credit card collection harassment are useful.

Harrassing family members for credit card collection is violent collection and is illegal.

As long as you have evidence of the other party’s violent debt collection, keep the debt collection text messages, and turn on recording when you answer the phone, you can complain directly to the bank or to the China Banking and Insurance Regulatory Commission.