Huili commodity fraud SMS

Lawyer 1: Now many collection messages are very organized, and the arrest warrant has come down. I will send you text messages and ink, so just go home and arrest people, so nine times out of ten it is either a liar or a collection agency.

When you are overdue, first, the internal staff will collect it, but the internal collection will not come back. Then the bank will entrust such cases to collection agencies for collection and give them commissions. Of course, the commission is very rich, and there are not a few bank collectors. Generally, this kind of living bank will not cost labor, because it will cost too much labor. There are many people with overdue credit cards, but not so many credit card account managers. Instead of trying to recover the accounts, it is better to develop more customers and earn money back.

Therefore, it can be concluded that many text messages are fake except that your arrears are true! If it is not a collection agency or a bank, it is a liar. A real liar will take advantage of people's hearts, then tell you his phone number, invite you to contact him, and then start to cheat, which will not only make you unable to pay back the money, but also make you owe more money.

Besides, what will happen to the arrears?

Generally speaking, banks will regularly submit all overdue credit card cases to the court for prosecution. It doesn't matter if you can't contact, the announcement will be delivered, then the trial will be held in absentia, and finally the deduction will be implemented to recover the arrears! It is worth noting that if in the past, all credit card overdue cases would not be executed by the court in the end, it would be impossible for the judge to investigate and freeze the deduction case by case, and the workload would be too heavy, so it would eventually go away. But now the world has changed! A large number of enforcement cases are crowded into the court, and the court is helpless. Therefore, the Supreme Court took the lead, and the People's Bank of China, China Banking and Insurance Regulatory Commission and major financial institutions jointly pushed the network to check the frozen buckle. It has been implemented at present, but its coverage is limited, and it will be further promoted in the future. The strength of the system lies in that it can query a person's accounts in all banks and send a notice directly to the bank where the account is opened, and then the bank will complete the deduction in one go, successfully solving the problem of checking the frozen deduction during the execution. This is really terrible, because Lao Lai has nowhere to hide. Unless he doesn't need a bank card or Alipay, he only needs cash, otherwise as long as the bank account has money, he will be deducted.

Let's talk about malicious overdraft. Malicious overdraft of credit cards is indeed suspected of a criminal offence, and judicial organs can arrest them. But the state public security organs didn't do any inspection. Do they specialize in arresting people who maliciously overdraw? Can you finish it? And even if you do, the bank will not get the money, because at this time, even if you have money, you will not give it! Therefore, the bank would rather scare you into paying back the money, and there are few other measures. Finally, they all became dormant accounts and disappeared a few years after their death.

Lawyer 2: Let me summarize a few points for you to see.

First of all, they broke away from the old SMS collection mode (you should pay back the money quickly, etc.). ) and adopted a new type of letter that looks very formal, such as the so-called warning letter of court prosecution.

Second, they will come up with a lot of seemingly awesome legal basis and relevant regulations, which look very professional, so that the trust of the recipients will increase, which will lead to whether I am really sued? Are you really going to jail?

Third, they scare you with a very awesome identity, such as public security law and lawyers, which looks more credible and has a stronger scaring effect.

What I want to tell you here is that if you receive the above or similar text messages and letters, please don't believe them!

Let's tell you where the defects are:

First of all, if you really borrowed money, my friends, it is natural to pay off the debt. Unless you haven't borrowed anything from others, you still have to pay back the money. However, this is just an ordinary private lending dispute, which belongs to the category of civil disputes. There is no suspicion of fraud or contract fraud, so don't panic when you see these things. If you like, just contact the other party and tell them to sue, and then entrust a lawyer to respond. Why do you want to entrust a lawyer? Because lawyers know that your online loans are more or less illegal, since you want to take the law, then follow them well, who is afraid of who.

Second, in fact, most people who received this message or letter must have borrowed money to some extent, so most people still owe money. Then I'll tell you about their formal flaws. First of all, the court will not send the defendant a so-called lawsuit notice or warning letter, let alone send you a text message. Please, I'm a national judicial organ. Is it so low?

Third, if you are really sued, the materials you receive must be materials with the national emblem of the court, not such low materials. Please read the warning letter, the title is the warning letter issued by the court, and the last place to sign it is the so-called lawyer. What are you doing? Only fools fall for it.

Finally, let's talk about the lawyer's letter. In fact, I have sent quite a few lawyer's letters in my work, but the following are the correct forms and main points of lawyer's letters. After reading this, you will know how fake that improper warning letter is. First of all, although the lawyer's letter is called a lawyer's letter, it is actually not a letter sent by a lawyer personally, but in the name of a law firm, so the letter stamped with his own name can no longer be fake. Then a friend asked, what if someone faked and got the seal of the law firm? Hey. Not to mention I've, I'm almost blindfolded. Because the format looks ok, and then there is a chapter. Although the content is not very professional, what if it was written by a novice lawyer? Be tolerant, so when I was not sure, I went online to search this law firm. After entering the name of their law firm in the search field, I found that all the people jumped out. Is the lawyer's letter from this law firm true or false? There is also a verification method. You can call the local judicial bureau directly to find out whether there is this law firm.

Of course, it goes without saying that your credit card is overdue. What we are discussing here is whether the bank will send you a "notice of filing a case" because your credit card is overdue. The answer is no.

Banks do report suspected credit card fraud (i.e. malicious overdraft, etc.). ), but they are not considerate enough to send you the phone numbers of the police officers and lawyers handling the case. This is a well-designed game, using your "guilt" psychology to lead you into a trap step by step. The old-fashioned drama is that the "police officer" who answers the phone will tell you that the deposit will be paid to the designated account and will be returned to you after investigation. There are many new plays, which are performed almost every day now ... in a word, they make you money.

This is a way for banks to collect employees. The telephone number of the police is only the telephone number of their internal employees or the telephone number of a third party.

User 1: Let me talk about my experience. In the past, the universal fund of Shanghai Pudong Development Bank was overdue for about 30,000 days, and the overdue days exceeded 100 days. In the middle, a bank collector called to negotiate repayment. If they can handle part of it, they can apply for deferred repayment. I handled 2000 once in the middle and then called every day. Opening your mouth means that you have to deal with it today, and then you hang up and don't listen to you. Later, I stopped answering the phone directly, and then I received a short message and a lawyer's letter, which was mailed directly to my unit. All this is fake. They just want to make you feel that your behavior has constituted a crime through such means, but it's really not that serious!

I remind:

If you have money, you can pay it back. If you really don't, don't worry. If you have it, you won't go to jail! Of course, you can't escape the money from the bank, and you will have to pay it back eventually. Hurry up and make money, don't worry about it and affect your work mood!