Received a reminder message with your name.

When you receive a dunning message with your own name, you need to confirm the arrears, verify the identity of the sender and protect your personal information.

First of all, you should make sure that you have any arrears or overdue payments. You can call the customer service phone of a bank or institution to ask whether the other party has any arrears or overdue payments. If there is any arrears or overdue payment, it is recommended to negotiate with the other party as soon as possible.

If it is confirmed that the short message comes from a regular institution or bank, the identity of the sender can be further verified. You can ask which organization or company the other party belongs to and why you sent such a message to yourself by replying to a text message or calling. After receiving such a short message, you should always be vigilant to avoid the disclosure of personal information. It is recommended not to provide personal information to strangers easily, especially sensitive information such as bank card number and password.

Collection program

1. Telephone harassment: the collection personnel harass the debtor through frequent telephone calls and text messages, forcing him to repay.

2. Threats and intimidation: The collection personnel use threats and intimidation, such as threatening to take legal action and exposing personal information to force the debtor to repay.

3. False promise: The collector may promise some preferential conditions to the debtor, such as reducing or exempting part of the debt and extending the repayment period, so as to induce him to repay.

4. Illegal means: some collectors may take illegal means such as impersonating public security organs and forging evidence to force debtors to repay.

5. Personal attack: The collection personnel may insult, slander and other personal attacks on the debtor to force him to repay.