The auction loan is overdue. Send me a text message and tell me that it is a pre-litigation notice. Is it true or not?

If you really borrowed money from the auction and failed to pay back the overdue debt, it should be judged according to the content of the short message. If there are words such as being detained and not being held criminally responsible for the arrears in the short message, this kind of short message is likely to be sent by the collector in the name of the court. In this case, it is suggested that you should go to the litigation service website of the Supreme Court first and enter your name and ID number for inquiry.

However, even if the notification of the case of taking a loan by SMS 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 the lender who fails to pay the arrears to sue, and once sued, most of them are sure to make a profit. At that time, they will not only have to pay back the principal and interest, but also bear various expenses such as legal fees.

If the debt is not paid off within the time limit given by the court, the court may be required to enforce the assets under the lender's name and put the lender on the list of untrustworthy enforcers, so don't think about going to high consumption, and flying and sleeping on high-speed rail will be rejected.

The above is the introduction of "Is the notification of the case of taking a loan by SMS true or false". In short, if you receive the SMS notification of the case of pat on loan, whether it is true or not, as long as it is really overdue or it is good to return it as soon as possible, and you feel that the interest is unreasonable, you can negotiate with pat on loan, and pat on loan 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.

overdue loan repayment will result in 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 should not exceed 15% of the agreed loan interest rate. In fact, the penalty interest of most lending institutions is charged at 15% of the loan interest rate, especially for unsecured loans;

secondly, the overdue penalty interest is not compounded. During the period of calculating default interest, loan interest can no longer be calculated. Penalty interest can no longer be calculated with interest. (Some banks' credit card penalty interest/late payment fee is calculated by compound interest); When the borrower repays, the repayment order should be: overdue penalty interest, interest and principal.

Related knowledge

The Notice of the People's Bank of China on Issues Related to RMB Loan Interest Rate issued by the central bank on December 1, 23 stipulates that the default interest rate for overdue loans (loans that the borrower fails to repay on the date agreed in the contract) will be changed from the current daily interest rate of 2.1% to 3%-5% on the loan interest rate level specified in the loan contract; If the borrower fails to use the loan for the purposes agreed in the contract, the default interest rate will be changed from the current daily interest rate of .5 ‰ to 5%-1% on the loan interest rate level specified in the loan contract.

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