The online loan sent a text message saying that it should be enforced.

Legal analysis: This short message is obviously false. Legal accounts in everyone's name, such as savings cards and passbooks, are very private things, and no one is qualified to freeze or deduct them except the court or any third party. There is only one case where the account will be frozen, that is, after the lawsuit is brought to the court, the other party applies to the court for compulsory execution. In this case, you will usually be issued a subpoena first, and then the court will sue. After the judgment is made, the other party refuses to pay back the money. At this time, the other party may apply for enforcement. In fact, receiving such a text message after the online loan is overdue is just a routine for the collection personnel, with the purpose of scaring the borrower and putting pressure on him.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 673 Where the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract.

Article 674 The borrower shall pay interest at the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan.

Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.