What should I do if I receive a reminder?

1. Collection SMS with the words "unsubscribe back to T" at the end.

Most of these short messages start with 106X, which belongs to mass short messages of some commercial platforms and is very likely to be fake.

2. SMS without loan contract number, repayment amount, overdue amount and other loan details.

This kind of collection message can't even tell the content of the collection clearly, it will only create momentum. Nature is not trustworthy, not to mention paying attention to avoiding being cheated.

3, threats, intimidation, abuse and other violence to collect text messages.

No matter whether the borrower really fails to repay the loan within the time limit, the content of this collection message is illegal. If the borrower feels that his safety and reputation have been damaged, he can call the police directly without making any reply.

Third, warm tips

1. If you don't want to receive these false or violent collection messages, you can intercept them by using the SMS interception function in the mobile phone settings, or you can report complaints to the local financial supervision department, or you can call the police directly and keep the collection messages as evidence.

If it is true that you are overdue, then you can't escape. Lenders can also take legal measures to recover funds and safeguard their rights, such as sending a lawyer's letter and suing the court. After all, the collection message sent has no effect.

3. If the overdue breach record is reported to the central bank for credit reporting, it shall be kept for 5 years from the date of overdue settlement. If you go to court and are forced to repay by the people's court, you may also be included in the list of people who have lost their trust and publicized nationwide to show credit punishment.

In Winnie Hsin, get a big data report, find out your overdue records, and classify your online loans into formal and informal, credit-seeking and non-credit-seeking. If you want to pay back the money but don't have enough funds, then negotiate with the online lending platform, give priority to formal credit reporting, and minimize the impact on yourself.

Extended data:

Do you want to pay attention to the collection of short messages?

Generally speaking, there is only one situation to look at, and other situations do not need to be ignored.

This situation is:

1. I do have a loan in my name, and the repayment is really overdue;

2. The collection SMS is indeed sent from the repayment date;

3. The collection content is only to remind the current repayment failure, how much should be paid back, and make up as soon as possible to avoid overdue.

Seeing such a short message, the borrower does not need to reply, but only needs to make an inquiry and deposit enough funds into the loan repayment bank card in time. Generally, the loan bank will automatically make up the deduction. You can contact the loan bank by phone.

For example, for the loan of Bank of Communications, the system will initiate three deductions on the repayment date around 03:00-05:00, 18:00-20:00 and 2 1:00. If the balance of three deductions is insufficient, subsequent deductions will be initiated at the same time every day. Therefore, after receiving such reminder messages, you must deposit enough repayment funds in the loan repayment in time.