Is consumer finance short message true or false?

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. Because generally speaking, if it is really sued by the lender, then the specific situation can be viewed in the relevant lawyer network/firm, that is, the truth can be identified through inquiry.

What you need to know is that if it is true, you will usually receive a subpoena or phone call from the relevant court. As for the notification message, it is easier to distinguish. You can go to the relevant lending institutions to consult customer service or call the official hotline to ask if it is true or false.

However, if the loan information received by the user is not a loan, it is likely to be a fraudulent phone call, because personal information is inadvertently leaked, lending institutions/platforms send corresponding loan invitations in order to expand their business, or their personal information is stolen, resulting in loans.

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It is normal for people to accept the money you owe if you don't pay it back. After all, financial institutions are risky. Once you borrow money from them and don't pay it back, they will definitely try their best to get you to pay it back.

First of all, it is certain that it is more serious for you to be overdue for three months, and 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.

1, overdue within one month, mainly through SMS and telephone collection.

2. If loans overdue is more than one month but less than three months, the frequency of text messages and phone calls from these lending institutions will be more frequent. 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.

3, 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.

Secondly, lending institutions must collect in compliance with the law and cannot use violent collection methods.

As a licensed consumer finance institution, Instant Consumer Finance is supervised by China Banking and Insurance Regulatory Commission. Therefore, both daily business activities and collection activities must be carried out in accordance with the relevant regulatory policies and laws and regulations of the China Banking Regulatory Commission, and you cannot do anything that violates regulatory policies or laws and regulations, otherwise you will face fines and the license of consumer finance may be revoked.

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.

Thirdly, 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.

Moreover, now is the critical moment for the police to close the net. At this time, many lending institutions are very cautious and dare not make obvious violations. If these lending institutions are found to have violated laws and regulations, they can report the case directly to the public security department. Perhaps in the end, these lending institutions will be wiped out.

Therefore, in the face of the violent collection behavior of some consumer loan companies, we must face it bravely, don't be intimidated by them, and report to the police in time when we find the violent collection behavior, so as to truly safeguard our rights and interests.

Finally, no matter how things develop, if you have the ability, I suggest you pay back the money as soon as possible to avoid some unnecessary troubles.

Although the current regulatory authorities and public security departments are very strict about illegal lending, there is nothing the regulatory authorities and the police can do about some formal lending institutions. If the interest rate of the lending institution is within the reasonable scope of the law and the collection means are within the scope permitted by the law, then the lending institution will not be held accountable.