Who owns the short message of consumer finance that owes money?

If you have a loan, it may be sent to you by your loan platform. If you don't have a loan, I suggest you take your ID card to the bank for verification. Maybe someone else used your ID information to borrow money.

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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.