Joke Collection Website - Public benefit messages - What should I do if I need to repay after receiving the text message?

What should I do if I need to repay after receiving the text message?

Why did you immediately receive a reminder message from consumer finance?

If the user has registered the amount of immediate consumption, or applied for a loan product of immediate consumption finance, then it is possible to receive a short message from immediate consumption finance. Users who have not registered for immediate financing or applied for immediate financing loan products can directly ignore short messages such as advertising promotion and registration verification code.

If users receive dunning messages, they should pay attention to the repayment time and repay on time, otherwise there will be overdue records uploaded to the credit information.

If you don't apply for instant consumer finance, but you receive the verification code, it is mostly because the user information is leaked and taken to the online loan, or the police tricked the SMS fraud. Once the user enters the verification code on the pushed website as required, it is very likely to cause financial losses.

It is suggested that if you want to apply for a loan, you should go through the channels designated by the official process, such as loan app, official WeChat WeChat official account and official website. Others should protect their privacy and don't disclose your ID number and mobile phone number to others.

1, phishing website. In order to cheat users' information and funds, many illegal websites will pretend to be various platforms to send collection messages, taking advantage of users' fear of overdue to cheat. Don't pay attention to this situation, and don't click on the link sent by the other party, which will easily lead to information leakage.

2. Just because the user didn't apply for a loan immediately doesn't mean that the relatives and friends around him didn't. If the other party leaves a contact number when applying, the platform will also send a reminder message. When the platform collection is confirmed to be true, it can help the borrower to solve the problem, or directly explain the situation to avoid being harassed again.

3. It is also possible that the user's personal information was stolen and he immediately applied for a loan. In particular, people who are close to themselves have applied for registration after obtaining the personal information of users. It is suggested to explain the situation to the platform in time and call the police if necessary.

The above is the answer to "How to deal with overdue loans received from consumer finance immediately without reason". Generally speaking, this situation is probably due to phishing website fraud, information left by its borrower or personal data leaked and lent. After finding the possible reasons, we will solve them in detail.

I received a reminder of consumer finance. What happened? ?

Receiving consumer finance SMS may be due to user registration, browsing loan platform, loan expiration, platform dunning, loan emergency contact or personal information disclosure.

First of all, the reasons for receiving consumer finance information

1. There is no lending behavior.

Customers have logged on some loan platform websites before surfing the Internet, or paid attention to the advertisements of loan platforms. Therefore, it became the target customer of the platform and was sent many short messages recommending loans. 2. Borrowing behavior.

The platform reminds customers not to forget to repay. Of course, it is also possible that the customer owes money after borrowing money, and the platform sends a text message for dunning.

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.

3. Other circumstances

(1) Some relatives and friends borrowed money, and then regarded the customer as the emergency contact person for their loan, leaving the contact information of the customer. The loan platform can't contact each other, so it naturally finds customers.

(2) The customer's personal identity information was leaked, stolen by criminals and defrauded. The other party did not return the money after borrowing it, and the platform found the customer according to the information left by the other party. In this case, the customer can make it clear to the platform without having to bear the repayment responsibility. Second, how to prevent it

1. Don't tell anyone your ID number, bank card number and bank card password anytime and anywhere.

2. When you can't tell whether the text message is true or false, you should call the bank's enquiry number at the first time.

Note: don't call the number left in the text message first!

3. Don't call back with your mobile phone. You'd better find a landline to call back.

4. The best way is to ignore some unfamiliar short messages that are completely unrecognizable.

If you are cheated, please report it immediately.

6. Don't talk to strange text messages-don't believe it, don't be greedy, and don't reply. This is the best way to deal with fraudulent text messages.

In short, when you receive a loan message, you should first identify the authenticity of the content and be alert to some messages that need links/credit. Of course, users still need to repay in time, maintain good repayment habits, and reduce the probability of receiving such short messages.

Where is the notice message of consumer finance filing?

1. In general, the notice of filing a case will not be notified by SMS, but in written form. Therefore, after receiving similar information, if users are not sure whether it is true or not, they can go to the court to inquire.

2. Generally speaking, it is mainly the collection of loan platforms or similar short messages sent by third-party collection companies, in order to urge users to repay as soon as possible.

What is the impact of evading debts and maliciously overdue loans?

1. It will be recorded in the credit report.

2. Other channels will also have overdue repayment records.

For example, for users who evade debts, the local mutual fund association will also release information in the official and play it in turn.

3, affect the follow-up consultation application

Users should deal with overdue loan platforms as soon as possible. The longer loans overdue time, the more accumulated penalty interest.

Never used consumer finance immediately, but suddenly received a repayment reminder message?

If you have not handled the relevant online loan business, you can ignore similar text messages. But don't take it lightly. I can take my ID card to the relevant departments to check the personal credit report and see if there is such a loan record. Finally, I'm considering whether to call the police.

1. If there is a record of this loan in the credit report, it can be withdrawn.

Apply on the website and ask the institution where the loan data occurred to delete the loan record.

2, but after inquiry, there is no record of this loan, then it is not.

Don't worry, don't pay attention to the relevant text messages.

3. The directly affiliated consumer financial institutions are approved by China Banking and Insurance Regulatory Commission.

For financial institutions with consumer finance licenses, provide credit information at the loans overdue project meeting. If you really borrow money from consumer finance institutions at once, but just forget it, you should pay off your debts immediately after receiving the dunning message, so as not to bring greater and more serious trouble to your credit information. In addition, if you have never applied for an instant consumer finance loan, but you have received a short message that you need to repay it, it is recommended to find an instant financial institution, that is, their online customer service, to find out whether someone has stolen your ID card to borrow money. If so, be sure to call the police immediately and seek police help.

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Most of the perpetrators of sending illegal mobile phone text messages are gangs. The division of labor within the gang is strict. Some buy mobile phones and mobile phone numbers, some open bank accounts, some send mobile phone text messages in groups, some are specially responsible for sending text messages, and some withdraw money from ATM machines. Hide immediately after you get it, which is extremely concealed. "I didn't see anyone, I just listened to the sound."

The number of illegal short messages sent by mobile phones is huge. More and more criminals use special tools such as SMS group sender and group software to send illegal information to a large number of user numbers in a short time. It has the rapidity and universality of infringement. Send thousands at a time, and you will always be cheated. Therefore, it is fast, destructive and harmful.

The activities of sending illegal mobile phone short messages mostly use remote mobile phone numbers. Sending text messages, opening bank accounts, withdrawing money and other links are usually not implemented in one place, but in many places, with a wide geographical distribution. It has cross-regional liquidity.

The content of illegal short messages on mobile phones is more and more attractive and irresistible. What's more, impersonating banks and public security organs, impersonating financial departments, and using people's trust in banks and public security organs to cheat are very deceptive.

How to deal with consumer finance collection SMS?

Users don't need to panic when they receive overdue short messages. Many times users receive overdue short messages, which is not necessarily that users are really overdue. It can be handled in the following four ways.

1. Check whether the loan in his name is overdue.

The short message received by the user is sent by the consumer finance company. Users can find out whether the loan under their name is overdue by querying the personal credit report and the loan APP. Users are advised to check the personal credit report first, because the loan records of loans issued by consumer finance companies will be reported, so users can know whether there is loans overdue under their name by checking the credit.

2. Verify whether the message content is accurate.

(1) The user confirms that the loan under his name is indeed overdue through the first step, and needs to verify the accuracy of the text message. Usually, the content of short messages will include specific loan products, overdue amount, overdue days and so on. If it can correspond to the overdue information of the user, then this short message is indeed sent by a consumer finance company.

(2) Through the first step, the user confirms that there is no overdue loan under his name, which may be a mistake made by the consumer finance company when sending short messages in groups. At this point, the user can directly ignore the expired SMS without further operation.

3. Return overdue debts.

Users have confirmed the existence of loans overdue, and should pay off overdue debts as soon as possible according to the requirements of overdue SMS. After paying off overdue debts, users can choose to contact the lending institution again, such as asking for non-malicious overdue certificate after the loan is paid off, or applying for partial exemption from overdue fees and not uploading overdue records. After paying off the overdue debt, the user will make a request to the consumer finance company. At this time, consumer finance companies will consider agreeing to the user's requirements as appropriate.

4. Return the remaining payable amount on time.

Users have paid off their overdue debts and will not encounter any collection from consumer finance companies. But users still need to repay the remaining amount on time. Otherwise, once overdue, the user will receive a reminder message from the consumer finance company again.

Users can solve the problem according to the above four measures when they receive the short message of consumer finance saying that it is seriously overdue. When receiving the reminder information, the user should not panic at first. After all, users have not verified the truth of the matter, and blind panic will affect users' judgment. Only by calming down and dealing with it calmly can users solve problems better.

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How to report SMS harassment?

According to the degree of harassment or malicious situation, there are different ways to report, as follows: