Pat, IOUs, and text messages have all been prosecuted.

If you do borrow money through auction and have overdue debts, you should judge according to the content of the short message. If there are words such as being detained and not being investigated for criminal responsibility for arrears in the text message, this text message is likely to be sent by the collector in the name of the court. In this case, I suggest you go to the litigation service website of the Supreme Court and enter your name and ID number for inquiry.

However, even if the SMS notification of the loan auction case is false, it will become true sooner or later as long as the arrears are not paid off and the overdue time is long and the amount is large. After all, it is possible for lenders who fail to repay their debts to sue, and once they sue, most of them will definitely be profitable. At that time, they will not only repay the principal and interest, but also bear various expenses such as legal fees.

If you don't pay off the debt within the time limit given by the court, patting the loan may require the court to enforce the assets under the lender's name and include the lender in the list of people who have lost their trust, so don't think about high consumption. Flying and high-speed rail sleepers will be rejected.

The above is the relevant introduction of "the notification of the case of short message loan taking". In a word, if you receive the SMS notification of the loan auction case, whether it's true or not, it's good as long as it's really overdue or returned as soon as possible, and you feel that the interest is unreasonable, you can negotiate with the loan auction, and the loan auction will also report the list of evaded debts to the central bank for credit investigation, even if it is not filed, it will become an old lai.

Loans overdue repayment will generate penalty interest. How to calculate the penalty interest of unsecured loans?

First of all, the penalty interest standards of different lending institutions are not necessarily the same, and the loan contract shall prevail. The central bank's regulations on penalty interest require that the penalty interest of financial institutions shall not exceed 150% of the agreed loan interest rate. In fact, the penalty interest of most lending institutions is charged at 150% of the loan interest rate, especially unsecured loans;

Secondly, overdue penalty interest is not compound interest. During the calculation of default interest, loan interest can no longer be calculated. Penalty interest can no longer be calculated by interest. (The penalty interest/late payment fee of some banks' credit cards is calculated according to compound interest); When the borrower repays, the repayment sequence should be: overdue penalty interest, interest and principal.

relevant knowledge

On June 5438+February 10, 2003, the Notice of the People's Bank of China on Issues Concerning the Interest Rate of RMB Loans stipulated that the default interest rate of overdue loans (loans that the borrower fails to repay on the date agreed in the contract) was changed from the current daily interest rate of 2. 1% to 30%-50% higher than the loan interest rate agreed in the loan contract; If the borrower fails to use the loan as agreed in the contract, the penalty interest rate will be changed from the current daily interest rate of five ten thousandths to 50%- 100% of the loan interest rate agreed in the loan contract.

For loans that are overdue or not used according to the purpose agreed in this contract, interest will be charged at the default interest rate from the date when they are used in loans overdue or not according to the purpose agreed in this contract until the loan principal and interest are fully paid off. For the interest that cannot be paid on time, compound interest shall be calculated at the penalty interest rate.