Will the bank loans overdue send a text message to urge it to be returned?

Short messages are true, because they have real names, and they are overdue, so such information is generally true. There will be no falsehood. Of course, you can call to verify whether it is true.

1. Is it true or false to receive the short message of litigation notice starting with 1068?

Recently, I have always received repayment loans. If there is indeed a loan behavior here, and then there is indeed an overdue behavior, it is really possible to send you a text message, so you should judge whether the situation is true according to your actual situation. In particular, after we get the loan on the online lending platform, we need to pay off the bill before the repayment date of each month. If you don't pay back the money in time, you will receive a reminder from the staff of the bank or online lending platform. If the repayment date exceeds a few days, the lending platform or financial institution will generally call or send a text message to remind the borrower. After a long time, you will receive a lawsuit notice message starting with 1068.

Second, what will happen if it is overdue?

1. overdue fee: failure to repay on time will result in corresponding overdue fee. Lending banks or licensed financial institutions will calculate overdue fees according to regulations, and the longer the overdue time, the higher the fees.

Therefore, it is best to develop good repayment habits and avoid extra expenses.

2. Credit damage: If the repayment is overdue, it will also have a serious impact on personal credit. Once a person's credit record is stained, it is basically difficult to apply for a loan business. To make matters worse, if you want to buy a house in the future, the loan amount will be less than others, and the interest rate will be higher than others. If it is serious, even the application for mortgage will be rejected by the bank. If you become a serious untrustworthy person after the deadline, you can't even take the plane high-speed rail, and your child can't go to a private school. It can be said that it is difficult to move.

3. If the circumstances are serious, it will lead to imprisonment: if the debtor resolutely fails to fulfill the repayment obligations and wants to default, if the circumstances are very bad, the court will investigate the criminal responsibility of the debtor, and if it is too serious, it will go to jail.

Article 108 of the General Principles of Civil Law of People's Republic of China (PRC): The debt shall be paid off. If it is temporarily unable to repay, it may be repaid by the debtor in installments with the consent of the creditor or the ruling of the people's court. Those who have the ability to repay and refuse to repay shall be forced to repay by the people's court.