360, I borrowed a note and sent a text message saying that the bank account was frozen. Really?

Legal analysis: 1, received 360 phone calls and letters. If the repayment is overdue for a long time, the 360 platform customer service will first issue a serious warning to tell you the serious consequences of overdue; Then you may take practical actions, such as collecting money at home and contacting your usual contacts, which will bring a lot of trouble to your life. 2. Bear high overdue expenses. If the repayment is not made on time, the platform will charge a certain overdue penalty interest according to certain standards from the overdue date according to the loan contract, and the penalty interest is very high, which is bound to be high. 3. Personal credit records will be affected. At present, China's credit system is constantly being established and improved. Once there is a bad personal credit record, 360 IOUs will upload the borrower's overdue repayment information to the credit information system, which will affect the future loan to buy a house and a car. 4. Facing the risk of being sent. In order to recover the loan, the platform may choose to recover the loan from you through the court. You need to pay both parties' litigation costs and huge fines. If the debtor fails to perform the judgment of the court within the performance period, the creditor may apply to the court for enforcement. When accepting enforcement, the court will inquire about the property, vehicles, securities and deposits under the debtor's name according to law.

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

Article 667 A contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 668 A contract shall be in written form, except as otherwise agreed between natural persons.

The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan.