How to tell the truth of a collection message?

1

Although the contents of fake collection messages are varied, there are four types of fake collection messages according to the sender's "role" and tendency.

The first category is the following, fake law firms.

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Ordinary lawyers will show their practice licenses when practicing, and call themselves lawyers only by a short message. And in the end, we have to add high lawyer fees, which is the routine of telecom fraud.

Chapter 02

Type 2

The second type: pretending to be a policeman.

Such short messages often contain words such as arrest warrant, a policeman leading the team, and on-the-spot arrest. Imagine, if it was really an arrest, would I send you a text message in advance? Didn't this expose the action information?

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Chapter 03

The third kind

The third type: door-to-door collection

Door-to-door SMS collection is often a means for third-party collectors to scare debtors.

If the third-party collection personnel contact the debtor offline, there is a great possibility of physical conflict, and there are many uncontrollable factors.

The purpose of collection is to make debtors pay attention to overdue payments and find ways to repay them.

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Chapter 04

The fourth kind

The fourth type: the list of untrustworthy.

List of untrustworthy people, restrictions on high consumption, restrictions on travel, etc. It must go through a series of judicial procedures and be executed by the court. Financial institutions and third-party collection companies do not have this judicial power.

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There are many kinds of fake collection short messages, how to quickly distinguish between true and false?

We have summarized several methods to distinguish between true and false short messages, hoping to help you.

Such as courts, public security organs and police. The text message is fake.

Wanted, included in the list of dishonesty, Lao Lai's appearance and other information. It's fake.

Finally, the news that you contacted Director XXX and Commissioner XXX was false.

Send text messages in the name of individuals and ask for high fees (attorney fees, attorney fees, etc. ) It's all fake.

If the debtor receives a collection message, he must first determine whether it is his own online loan information (confirm the online loan platform and loan amount information).

Secondly, take the initiative to call the official customer service phone of the online loan platform to verify the authenticity, and don't trust the intimidation in the text message.

In addition, if the credit card and online loan are overdue, you can apply to negotiate with banks and third-party financial institutions to postpone repayment, so as to reduce liquidated damages and interest.

The effect is as follows

Related Q&A: Which consumer finance collection SMS is the third-party collection agency? 1. Collection means that the money you owe to the bank or online lending platform is not paid back in time, and it is overdue, and the internal staff of the other party or the entrusted third-party collection agency collects the arrears from you. This is a very professional, organized and disciplined team with strict training, all for one purpose, so that you can return the money. In this process, the other party will have some illegal or even illegal operations. There are also some fake actions, fake operations, cajoling, scaring, even threats, intimidation and so on. Although the purpose is to make you pay back the money, after all, you owe the other party money. Even if you pay back the money because of the other party's collection action, this should not be equated with "fraud". So the above is for your reference. If you have any related questions, you can consult me, leave your contact information and telephone number for detailed communication. Second, in fact, in any case, it is only natural to pay back debts. As long as you don't cheat, provide false information and make up stories to get a loan, you won't bear criminal responsibility, such as going to jail, as we often say, but make sure that the information you provide is true and you don't deliberately escape. No matter who collects money from you, if the other party violates the rules, you can complain and safeguard your legitimate rights and interests. But the fact is that there will be violations in most cases, so there is an anti-collection on the internet, which specifically advertises that interest can be paid without interest or less. They have channels to let the staff of banks or consumer finance companies ask for interest rate cuts in violation of regulations. But then again, people are not free, and they want to charge you. This is no small matter. The important thing is that many people cheat you with the gimmick of giving you interest relief. Third, say that your loan has not been submitted to the arbitration commission for arbitration, and inform you to download the arbitration results from the xx arbitration website or make telephone consultation. We should know that the result of arbitration is legally binding, and the arbitration commission itself has no right to enforce it. When one party fails to perform the arbitral award, the other party may apply to the people's court for enforcement, and the people's court that accepts the application shall enforce it, so the arbitral award has the force of enforcement. In other words, the arbitration result can be applied to the court for enforcement, and your assets may be frozen, sealed up or deducted as the result of the court judgment. Related Q&A: Is it true that online loans urge to send and receive report messages? situation

Xiao Hu found an online loan platform loan on his mobile phone because he needed money badly a few days ago.

After registering as a platform user, Xiao Hu filled in relevant information in turn as required, including identity information, education background, emergency contact, etc. After that, the mobile phone prompts that you need to access the address book, otherwise you may not be able to successfully obtain the loan. Because Xiao Hu was in urgent need of money, he chose to allow him to study.

Xiao Hu successfully borrowed 5,000 yuan from the platform with a loan period of 30 days. On the day when the loan was due, Xiao Hu was unable to turn around for personal reasons, loans overdue.

Within a few days, Xiao Hu received a lot of dunning messages, all of which were threatening, and one of them even threatened to report the case if he didn't pay back the money. At the same time, Xiao Hu's address book friends have also been harassed, and Xiao Hu's personal information has been sent in groups, which is also an insult.

At this time, on the online loan platform, Xiao Hu's overdue fee has been surprisingly high. This time, Xiao Hu was puzzled. On the one hand, there are constant SMS threats, and on the other hand, there is a high overdue fee that is only overdue for a few days.

Lawyer reminds

As a borrower, Xiao Hu has the obligation to repay in time. But it is also possible that for some reason, the turnover is temporarily closed and overdue, which is also reasonable. After loans overdue, you should contact the online loan platform in time to negotiate repayment.

So, is it true that Xiao Hu was threatened by reporting the case?

Usually not. Between Xiao Hu and the online lending platform, it is only a private lending relationship. The online lending platform threatened to send text messages, just remembering the role of collection. If Xiao Hu refuses to repay, he may be sued by the platform to the court.

However, if the online lending platform insults, threatens or even harasses the address book and sends text messages in groups, such behavior is a violent collection. Those who are subjected to violent collection can report to China Internet Finance Reporting Information Platform.

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