Is the text message sent by Home Credit real?

The Home Credit text message may have been sent by a collection agent, and the authenticity of the content needs to be confirmed. However, if you have outstanding debts, you should still deal with them in a timely manner. If you feel that the overdue fees are high, you can negotiate for a reduction or exemption. Standards for filing a case for the crime of loan fraud: Anyone who defrauds a bank or other financial institution of a loan of more than 10,000 yuan for the purpose of illegal possession shall be filed for investigation. Anyone who commits loan fraud exceeding 40,000 yuan and meets one of the following circumstances will be deemed to have "other serious circumstances" and be sentenced to five years in prison; for every additional 800 yuan between 40,000 yuan and 50,000 yuan, the sentence will be increased by one month; One of the additional circumstances will increase the prison term by six months: (1) Bribing a large amount to staff of a bank or financial institution in order to obtain a loan by fraud; (2) Squandering the loan or using the loan to engage in illegal activities, resulting in the inability to repay the loan when it expires (3) Concealing the whereabouts of the loan and refusing to repay it after the loan period expires;

Article 193 of the "Criminal Law of the People's Republic of China" If any of the following circumstances occurs, Whoever defrauds banks or other financial institutions of loans for the purpose of illegal possession, and the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, The person shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment and shall also be fined not less than 50,000 yuan. Fines of less than 500,000 yuan or confiscation of property:

(1) Fabricating false reasons for introducing funds, projects, etc.;

(2) Using false economic contracts;

(3) Using false certification documents;

(4) Using false property rights certificates as guarantees or repeating guarantees exceeding the value of the collateral;

(5) Using other methods to defraud loans.