Consumer finance sent a text message saying that it would freeze the spouse's account and forcibly deduct the full amount. Is it true?

Is it true that the online loan is overdue and it is said that the savings account and payment account should be frozen in full?

There is something wrong with this statement.

Freezing and deducting savings accounts or payment accounts can only be done by judicial organs.

As an ordinary enterprise legal person, online lending companies have no law enforcement power, so they have no right to freeze deductions.

Online lending companies can go through legal procedures, apply to the court for litigation preservation and freeze accounts. After obtaining an effective judgment, the online loan company can apply to the court for execution, and the court will deduct funds to fulfill the judgment obligation during the execution stage.

It should be noted here that measures such as sealing up, seizure and freezing taken by judicial organs also need to be carried out in strict accordance with legal procedures. It's not that online lending companies freeze if they want to, and deduct if they want to. It needs to be carried out in accordance with legal procedures.

All in all,

When the online loan is overdue and there is no prosecution, it is definitely false to say that the savings account and the payment account should be fully deducted.

It is generally false to say that savings accounts and payment accounts should be forced to freeze. If pre-litigation preservation is really done, the account will not be frozen. If you notify first and then freeze, then nothing will be frozen. If you do this, it will appear that there is something wrong with your IQ. So it is not really necessary to freeze the notice, which is generally false.