Baiqian Finance gave me a notice of prosecution. I don't know if it's true or not. At first, I borrowed more than 4000 yuan, and later I divided it into 24 installments. After the loan was released, i

Baiqian Finance gave me a notice of prosecution. I don't know if it's true or not. At first, I borrowed more than 4000 yuan, and later I divided it into 24 installments. After the loan was released, it became 12. You can identify the notice of prosecution by yourself, and it is relatively easy to distinguish the authenticity of the warning letter of prosecution.

1. If the content of the prosecution warning letter is only a warning, that is, if you don't do more, the other party will go to court to sue you. The signing unit is Shenzhen Baiqian Finance. If you don't lend it money, you can completely ignore it, then the publisher of this letter is a liar. If you borrow money from it, you should contact the other party, either to repay it or to contact the other party to agree to postpone the repayment. 2. If this prosecution warning letter is served by the court, and the signature and official seal below belong to a court, you can contact the signing court directly and tell the truth at once.

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Pay attention to the identification and prevention of conventional loan risks. The illegal and criminal acts of "routine loan" involve fraud, extortion and other crimes. The performance of this kind of illegal crime is:

1. Solicit business in the name of "small loan company" and "guarantee company", sign loan contract with you, create the illusion of private lending, and defraud you to sign "inflated loan contract", "yin-yang contract" and real estate mortgage contract with various names such as "liquidated damages" and "deposit", which is obviously unfavorable to you. In the name of peer-to-peer lending, applicants are required to pay the so-called "capital verification fee", "insurance premium" and "deposit" in advance.

Second, forge the bank flow and deliberately create the illusion that you have got all the money borrowed from the contract.

Third, arbitrarily identify your breach of contract and ask you to repay the "inflated loan" immediately.

Fourth, maliciously increase the loan amount. When you are unable to pay, the other party introduces other fake "small loan companies" or individuals, or "plays" with other companies to sign new "false loan contracts" with you to "balance the accounts" and further increase the loan amount.

5. Blackmailing "debts" and falsely claiming that they are in court. To achieve the purpose of sending money.

6. Fraudulent use of P2P online lending platforms, small loan companies, financial service companies, banks and other entities and institutions to implement a series of frauds under the guise of issuing loans. In case of the above situation, everyone must first refuse all the payment requirements of the other party, remain calm, pay attention to identify and prevent illegal and criminal acts such as fraud and extortion, and ensure the safety of their own funds. (If the funds are actually received, the funds received shall be handed over to the public security organ. )