Is it true that this kind of short message was sent on the back?

Recently, a netizen sent Bian Xiao a screenshot of overdue auction loan. Bian Xiao hasn't received a short message about the auction loan for a long time. In fact, as an industry leader in the p2p field, the collection method has indeed been revised a lot in the past year. Compared with the beginning of last year, the current loan collection method has converged a lot.

▲ The netizen received the loan filing notice.

This netizen expressed some panic when he suddenly received this reminder message, because loans overdue died. I wonder if what is said above is true or not?

Screenshot SMS has several key contents:

1. They will be entrusted to file a lawsuit against the borrower, and the relevant provisions of Article 193 of the Criminal Law of China will be eradicated. Combined with the amount involved, once the case is successfully filed, they will face 1-6 months of criminal detention;

2. Being included in the blacklist of personal credit information system connected with the whole country, and being published on the media network as a permanent bad credit customer;

3. There are certain restrictions on children's large-scale consumption such as further education and employment and purchase of real estate.

How much of this information is true? First of all, the overdue online loan is a civil dispute, which generally does not involve criminal cases and cannot be filed. I remember that many big brothers received short messages from online lending platforms, asking them to go to the police station for investigation. After the result went, the staff of the police station looked blank and had no idea what was going on.

Secondly, even if credit cards and banks loans overdue, it will not have an impact on future generations. It only affects the borrower himself. Moreover, at this point, the borrower is sued and the court demands repayment. Only when the borrower does not repay, the court will enforce it. Therefore, receiving similar text messages can be completely ignored.

In addition, all p2p online loans are non-creditable. In other words, even if the borrower is overdue, there will be no record in the credit information system. In September last year, the Mutual Gold Association issued a document to crack down on the malicious evasion of debts by p2p online loans, and urged the p2p platform to upload a list of malicious overdue borrowers as soon as possible. At that time, many p2p platforms published the upload list, and the auction loan was also uploaded. Now the list has been uploaded. So, why do you suddenly want to accept borrowers like this now? Are you afraid to upload it?

For borrowers, as long as the list is not uploaded, the credit information system will not have this overdue record, and handling credit cards and bank loans will not be affected at all. The most affected thing is that online loans cannot be made.