Is it illegal to receive fake negotiations and reduce text messages?

False, this financial consumption dispute mediation is also a non-governmental organization, so don't worry about it.

This is a means of collection. The final decision on interest-free and relief lies with your lending institution and bank. If it is really negotiated, adjust the interest-free and installment with the institutions and banks, and you will also return the money to the banks and institutions. Be careful not to be cheated.

Whether it can be reduced or exempted depends mainly on the bank. Has nothing to do with other departments.

It is suggested to directly restore it on the APP and return it, and ask the official customer of the loan platform whether it is really restored and keep the record. Don't transfer money to a third party, you can only repay it on APP or WeChat official account.

Loan collection is the collection of non-performing loans (including sluggish loans and overdue loans). Sluggish loans refer to loans that are overdue (including loans due after extension) and have not been returned within the specified time according to the relevant regulations of the Ministry of Finance of People's Republic of China (PRC) (China), or loans that have terminated production and operation and suspended projects (excluding bad loans), although they are not overdue or overdue for less than the specified time.

Overdue loans refer to loans due (including those due after extension) according to loan contracts (excluding sluggish loans or bad loans).

How to collect non-performing loans:

(1) Use interest rate leverage to collect money by raising interest rates and imposing penalty interest.

② Stop new loans and recover old loans in advance.

③ Take legal measures for collection. Sell the collateral through legal procedures, and investigate the guarantor's responsibility until the enterprise goes bankrupt and repays.

(4) promoting income by loans. For enterprises with temporary operation difficulties but marketable products and good market prospects, they can help enterprises do a good job in production and operation by increasing start-up funds, and resolve and recover non-performing loans.