If the online loan is sued, how to test the authenticity?

There is an online loan, how to tell whether it is a collection or a real lawsuit?

Under normal circumstances, if you receive a collection notice, a lawsuit notice or a report notice, you can basically confirm that it is sent by a collection company or a collection staff. If you have received a notice of hearing, that is, a court summons, it is very likely that you have been sued. Why do you want to add a "possible" here? That's because some unscrupulous collectors dare to forge court summons.

First of all, the reminder notice mentioned above is usually a "reminder notice". This kind of notice usually urges you to repay as soon as possible. It was sent to you in the name of a company or a law firm. This kind of notice will generally tell you what will happen if you don't pay back the money, and so on. And this is also one of the means of collection.

Secondly, the notice of litigation mentioned above is actually a lawyer's letter. This kind of document is usually sent to you in the name of a law firm. It usually tells you that if you don't pay back the money, you will be sued. This is actually a means of collection. If the amount you owe is not large, then such documents are likely to be forged. After all, the lawyer's fee is quite expensive. If you are worried about its authenticity, it is recommended to log on to the lawyer's website or the law firm that signed the bill to consult the specific situation.

Moreover, the report notice mentioned above is basically a slip number record. Credit card arrears or online loan arrears are generally not under the control of the public security department. And if you really report or file a case, the public security department will not inform you at all unless you need to assist in the investigation. It can be said that this is usually a collection to scare you.

And if you receive a court notice, that is, a court summons, then you should really pay attention. If you are really sued, the court will definitely send you a court summons with official seal, and will call you in advance, which will be served by China Post EMS. If you are worried about receiving a forged subpoena, there are three ways to check the authenticity:

Method 1: Is there an official seal of the court on the summons? There is no evil in the collection, and I dare not forge the official seal of the court.

Method 2: Have you received the message of 12368? If it is a case accepted by the court, then you will receive 2-3 text messages, which will generally confirm the filing, case number, progress and other contents. Generally speaking, you will only receive a subpoena if you receive a text message.

Third, if the case is really prosecuted and the court has accepted it, you can enter the case number or ID number in the court official website to find the case information.

Is it true that online loans are overdue to send text messages saying that they are being sued?

1, pay attention to the SMS number

Every bank has a special SMS service number, which usually starts with 955. If the sender of the received text message is a bank, but it starts with "00" before the official number, and the contact number is reserved in the text message, then it is very likely that criminals have dialed a fake number through the Internet. It's best not to believe this kind of overdue text messages, and don't call the reserved number to contact. If in doubt, call the service hotline of the issuing bank directly for confirmation.

2. SMS content

If we receive the notification of filing a case by SMS, we need to check whether there is a filing number in the content of the SMS, and then inquire at the local court in official website, and enter this filing number to see if there is any detailed information about the case. If it is found, it means that it is really being sued. If it is not found, it means that it is collecting forged text messages.

3. Pay attention to SMS links

Some friends may click on the link in the text message curiously, and then they will go to a page similar to the bank website. They should pay attention to the information required on the website, such as providing the bank card number, payment password and verification code, and close the website immediately. Regular bank websites do not require such private information. After all, this is related to the safety of funds.

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How to distinguish the authenticity of the summons sent by the court when the online loan is overdue?

At present, there are countless loan platforms with various rogue terms. If your loan amount belongs to the formal platform, but the annual interest rate is higher than 24%, then you only need to pay it back within the appropriate range. Everyone knows that other parts are not protected by law. Don't panic if you are sued. It is out of the question.

First of all, let me say one thing. Generally, the subpoenas received by everyone are basically false.

But it doesn't rule out that some of it is true. If we don't distinguish between true and false, and you get a real subpoena, but you think it's fake, it's in big trouble. If you get a real subpoena, you still ignore it. The court may also announce the acceptance. After the announcement period, whether you actually receive the summons or not, the court can make a judgment by default. Then the verdict is basically that the online loan platform won the case! In that case, is it a loss?

How to distinguish the authenticity of a court summons?

1. Call form

In this way, the court will first verify the identity of the defendant and generally inform the case involved.

For example:

Are you Asako Wang Er? XX loan platform Because you have been in loans overdue for a long time, please go to X court to get a subpoena from Judge X.

That's what they usually say. The phone calls people usually receive are those that directly tell you that you have been sued and ask you to provide information about the case.

There is no doubt that it must be fake! In addition, the court usually uses a fixed telephone to contact you, not a mobile phone number or a computer virtual phone.

2. Paper summons

If you receive a paper summons from the courier, you should see clearly how many pieces of paper are in the mail you receive.

There must be not only subpoenas, but also civil complaints, evidence materials and notices of case acceptance in the mail sent by the court. And this email usually needs my signature.

It is also very important that the court will send you two short messages before sending you an email. The first time is to inform you to accept the case, the second time is to file a case by SMS, and the SMS will finally have the website of the local court.

If you receive an email, there is only one piece of paper, no text message. Even if there is a text message, there is no website of the local court. You don't have to read it. Fake!

Scan copy

Some courts also send scanned copies of paper subpoenas to defendants. If so, there are two places to visit.

① Case number. Enter the case number in official website, the local court, and you can find out the detailed information of this case and whether this case really exists. If it is a real summons, you can also use the case number to check the progress. If you can't find it, it's fake.

(2) Looking at the foothold of the document, the part stamped with the official seal should be the official seal of the court. However, many fake court subpoenas are stamped with the online loan platform.

Borrowing money to repay the principal should be a virtuous circle. Take what you need. People who are short of money can borrow money in time to tide over the difficulties, and borrowers can charge interest appropriately.

Both sides have a bottom line that must be adhered to, but the means of violent collection are endless. Some platforms are even worse. Before the repayment time, they began to collect it. There are also various routines, saying that you will be given an amount after repayment, and then saying that your comprehensive credit score is insufficient after repayment.

Informal platforms dare not sue, and lawyers' letters or dunning notices are sent on the annual interest rate. Most collectors will fabricate various state-level organs to scare you. Remember, illegal online lending platforms dare not go to court to sue, and it is illegal to forge national certificates. Don't be fooled.

Control yourself, stop making mistakes and go ashore as soon as possible.

After the introduction of the new online loan policy, it is expressly stipulated that violent collection is not allowed, but the reality is that the violent collection that should have been stopped is still rampant, and it seems that the final struggle is being staged. Many people have even encountered routine loans, and the profit is never clear. If there is a violent collection, how should the borrower respond?

This kind of violent collection not only targets at the borrower himself, but also often harasses people in the borrower's address book, involving innocent people, which is a great insult to the borrower. This kind of behavior violates the commercial bottom line and laws and regulations!

Therefore, there is still a long way to go to truly realize inclusive finance. In case of violent collection, take decisive measures to safeguard their own interests.