Personal loan SMS++ loan application sms++

Is it true that the loan is texted back to 1? Be careful!

I believe many people have received all kinds of short messages about loans, such as invitations to withdraw money, preferential activities, opening business and so on. Recently, a user said that he had received news of a loan platform, which was a product he wanted to borrow very much before. It said that the loan news was sent back to 1 for processing. Is it true?/You don't say. How to identify loan short messages?

1. Loan SMS back 1 Is it true?

It may be true, but there is also a certain chance of being a liar, because many loan platforms now publish advertisements through telephone, SMS, WeChat, QQ and other channels. As long as you leave your contact information, you will inevitably receive a lot of similar information, and many fraud companies will pretend to be formal platforms to send information, which is difficult to distinguish between true and false, so you can't simply say true and false.

I suggest you don't reply to any numbers and letters casually, such as 1, t unsubscribe, etc. , so as not to be deceived.

Second, how to identify loan messages?

1. First of all, you can't just click on the link for any advertisement, promotion or reminder information, otherwise it's easy to get personal information, and what's worse, there is a virus in the meeting, and the consequences are unimaginable.

2. If you haven't submitted an application on a loan platform, or even opened the official website or related content, you have already received the advertisement information, so it's best not to click Open. This situation may be an advertisement issued by a financial institution, or you are a liar.

3, look at the source of the phone, such as the bank's text message, the source will be more formal, such as ICBC 95588. If it is a message sent by a string of irregular numbers or letters, be careful, it is probably a pseudo base station.

In short, no matter what information you have, don't click on it directly in the short message. You can log in to the official website Consulting Customer Service of the lending institution.

Today, I suddenly received a short message from Ping An Bank, saying that I applied for a quota of 398,000, but I didn't have it myself. I don't know, right?

It's just harassing text messages. You can reply to the other party with 0000, and then reply with 0 after receiving the mobile receipt, so that the other party is blocked and can't harass you anymore. Personally, I think this should be a kind of short message, and it is sent in groups with special software, not specifically for a person's mobile phone number. To tell the truth, for ordinary people, I have never heard of any bank's credit line, and it is so high. . If you are sure you have no business relationship with the bank, don't pay attention to this information. A new form of network expression: by means of false loans, the molecules ask the victims to pay the so-called withdrawal fee, packaging fee, production fee, membership fee, capital verification fee, insurance fee, deposit, security deposit, certification fee, working capital, advance payment and unfrozen funds in advance. As a big state-owned bank, ICBC will not directly apply for a quota for you for no reason. If you are not at ease, you'd better ask at the counter of Ping An Bank.

Ping An Bank, the full name of Ping An Bank Co., Ltd., is a cross-regional joint-stock commercial bank controlled by China Ping An Insurance (Group) Co., Ltd., and one of Chinese mainland 12 national joint-stock commercial banks. The registered capital is 565,438 yuan+23.35 million yuan and the total assets are nearly 65,438 yuan +0.37 trillion yuan. Its headquarters is located in Shenzhen, Guangdong Province. China Ping An Insurance (Group) Co., Ltd. (hereinafter referred to as "China Ping An") and its holding subsidiaries hold about 2.684 billion shares of Ping An Bank, accounting for about 52.38%, and are the controlling shareholders of Ping An Bank. There are 34 branches in China and representative offices in Hongkong.

Consequences of non-payment of bank loans:

1. The bank will take certain collection measures. In the initial phone call, if the loan is really overdue, you can explain your actual situation to the bank and try to apply for an extension, which depends on different bank regulations; Note: the delay will be regarded as negative information in the credit report, indicating that there are some problems with your repayment ability, but it is still better than the overdue situation.

2, overdue for more than 90 days, if the circumstances are serious, it can be regarded as malicious overdue, and bank collection may also cause life pressure for yourself and your family, affecting the normal life of individuals and families;

3. In terms of overdue fees, there will be some fees such as liquidated damages and penalty interest, which need to be collected according to the contract. Different institutions and different loan products charge different liquidated damages or penalty interests;

4. It has an impact on personal credit records, and bad credit records become obstacles to future loans such as mortgages and car loans and credit card processing;

5. If the loan has not been repaid, and the loan has not been repaid after the execution of the judgment, it can be reported to the Supreme People and entered into the "list of people who have broken their promises", which is also commonly known as the "Lao Lai list", and it is forbidden to travel by high-speed rail.

Have I ever taken out a loan? Why do I receive some loan information? This is a loan, right?

Have I ever taken out a loan? Why do I receive some loan information? This is a loan, right?

Just like the Agricultural Bank of China sent me a message saying that the card was frozen, I only have the obvious liar of the industrial and commercial card. ...

Mobile phones always receive some loan information!

This is an invitation message, which means that if you need a loan, you can click on the link in the message to submit an application. However, the general interest rate of this kind of online loan is relatively high, and the links in the SMS should not be chaotic. Be careful of phishing links.

Is this a loan?

You'd better hire a lawyer, because your goal is small and the lawyer's fee is very cheap. If you win any other lawsuit, you will definitely pay for it!

note:

1. IOUs have a time limit, so you should make a request in time.

2. Asking the lawyer whether to do security is the right to close the other company or other property accounts, so that you won't be afraid of the other party's delay or hooliganism.

3. It is best to know the personnel in the recovery department.

I hope you succeed! Be careful how long you make friends in the future!

I received a message today that I got a student loan, but I didn't, did I?

Yes, just ignore him and delete the information.

Why do mobile phones receive loan information?

Then your personal information will be leaked.

In today's society, it is normal for personal information to be leaked.

You can only be careful at ordinary times.

What is the crime of loan and what are the constitutive elements of the crime of loan?

Crime refers to the act of defrauding a large amount of public or private property by fabricating facts or concealing the truth for the purpose of illegal possession.

Elements of crime

(A) the objective elements of a crime

The object of this crime is the ownership of public and private property. Some criminal activities, although they also use some deception and even pursue some illegal economic interests, are not or are not limited to the ownership of public and private property. So it does not constitute a crime. For example, abducting and selling women and children is a crime of violating personal rights.

The object of this crime is limited to the property of the state, the collective or the individual, not to defraud other illegal interests. Its goal should also exclude loans from financial institutions. Because this law has specifically stipulated the crime of loan in article 193.

(B) the objective elements of a crime

Objectively, this crime is manifested in the use of fraud to defraud a large number of public and private property. First of all, the perpetrator committed fraud, which includes two forms: one is to fabricate facts, the other is to conceal the truth;

Essentially, it is an act that makes the victim fall into a wrong understanding. The content of fraud is that under certain circumstances, the victim will have a wrong understanding and make the property disposal that the perpetrator wants. Therefore, whether it is fiction or concealment of past facts, or present facts and future facts, as long as the above contents are available, it is fraud. If the content of fraud does not make them dispose of their property, it is not a crime of fraud.

(3) the main elements of crime

The subject of this crime is the general subject, and any natural person who has reached the legal age of criminal responsibility and has the ability of criminal responsibility can constitute this crime.

(4) Subjective elements of crime

Subjectively, this crime is direct and intentional, with the purpose of illegal possession of public and private property.

About loans and fraudulent loans?

1. The crime of defrauding loans is a new crime after the crime of "transferring loans at high interest" in Article 175 of the Criminal Law, which refers to the act of obtaining loans from banks or other financial institutions by deception, causing heavy losses to banks or other financial institutions or other serious circumstances. According to the "Provisions of the Supreme People's Procuratorate and the Ministry of Public Security on the Standards for Filing Criminal Cases under the Jurisdiction of Public Security Organs (II)" promulgated by the Supreme People's Procuratorate and the Ministry of Public Security in May 20 10, if the following circumstances are involved, the case should be filed for prosecution: "(1) Obtaining a loan of more than one million yuan by deception; (two) defrauding loans, causing direct economic losses of more than 200 thousand yuan to banks or other financial institutions; (three) although not up to the above amount standard, but repeatedly defrauded the loan; (4) Causing heavy losses to banks or other financial institutions or having other serious circumstances. " The range of statutory punishment is less than three years, "the amount is relatively large", criminal detention, and a fine or a single fine; "Huge amount" is more than three years and less than seven years, and a fine is also imposed. The crime of "large amount" of loans is not more than five years or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan is also imposed.

2. The crime of loan refers to the act of fabricating false reasons such as introducing funds and projects for the purpose of illegal possession, using false contracts, false documents and false property rights certificates as guarantees, repeatedly guaranteeing the value of collateral or lending a large amount to banks or other financial institutions in other ways. According to the provisions of the Supreme People's Procuratorate and the Ministry of Public Security on the standards for filing and prosecuting criminal cases under the jurisdiction of public security organs, those who borrow more than 20,000 yuan should file a case for prosecution. The statutory punishment range is "relatively large" or criminal detention of less than five years, and a fine of more than 20,000 yuan and less than 200,000 yuan is imposed; "Huge amount" is not less than five years but not more than ten years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan is imposed; "The amount is extremely huge" 10 years or more, or a fine of more than 50,000 yuan but less than 500,000 yuan or confiscation of property.

Do you have a mobile phone loan?

Due to the popularity of smart phones, the Internet and loans are flooding day and night. Please be vigilant, understand relevant knowledge and pay attention to the safe use of the network.

Network:

Phishing website with fake official bank number.

Under normal circumstances, consumers trust the official customer service hotline of the bank starting with "95XXX". After receiving such a number, most people will reduce or even completely lose their vigilance. Generally speaking, molecules will use the number changer to change the phone number to the official customer service hotline of the bank, and use the pseudo base station technology to push short messages with false links to the bank official website under the guise of "system maintenance, password change", "spending a lot in a shopping mall" and "redeeming points for gifts". Once the user clicks on the phishing website link in the short message, it is very likely that key information such as user name and password will be revealed, resulting in the credit card being stolen.

The majority of cardholders should pay special attention to whether the website provided by SMS or telephone is consistent with the website domain name published by the bank; Many website domain names will have more letters or fewer letters and more suffixes or prefixes. If you can't judge, it is recommended to call the official customer service hotline of the issuing bank for confirmation, and don't be confused by the illusion.

Free gifts are not credible, beware of "pie falling from the sky"

Recently, many consumers complained, and most of them received calls from the official numbers of major banks. The phone said that if you are selected as one of the lucky users, you can get gifts such as "3D glasses" and "high-priced gift package with WIFI" from the bank credit card center. The equipment is free, but the logistics fee and inspection fee need to be more than 190 yuan, and the package will also be accompanied by a telephone recharge card from 200 yuan. If necessary, you need to provide information such as the receiving address.

As telephone number fraud emerges one after another, cardholders should keep a clear head when receiving such calls, and may wish to call the official number in time to verify after hanging up. At the same time, users can query and identify preferential activities, value-added services and other information of various banks through the bank official website, so they should beware of "pie falling from the sky" and not covet petty gains to prevent being cheated.

It's not "kind" to lift your forehead.

According to statistics, credit card withdrawals also account for a fairly high proportion. Credit card experts said that if there is a "bank customer service" phone, the caller will take the initiative to help the cardholder increase the credit card limit. Don't be too happy, the other end of the phone is probably a liar.

Generally, this so-called "bank customer service" will help the cardholder to increase the credit card limit by the user's credit card consumption, and will ask for information such as the verification code and the verification code on the back when calling, or let the customer log in to the fake website provided by it to input relevant information, thus successfully implementing the stealing.

"Under any circumstances, the service personnel of banks or credit card institutions will not ask customers to provide passwords or. Once the other party makes such a request, it can be judged as information. " Bank of Communications credit card experts said.

Online shopping "refund".

Online shopping has become an indispensable part of people's daily life, and scammers have also introduced new means in this field. Molecules use consumers' real shopping information to act as a "refund" role for customer service personnel, and then lure consumers into phishing websites, which is also a popular scam recently.

Consumer Ms. Yang has encountered such a scam. Ms. Yang likes shopping online. One day, she bought a coat on the website. Just then, she received a phone call from the "shopkeeper", saying that the goods were out of stock, and she needed to provide information such as credit card, expiration date and check code on the back of the card to get a refund. Ms. Yang believed it, so she provided information about the credit card. She didn't know that she had fallen into the trap of a liar until she received a short message from the bank, but it was too late and her credit card had been stolen.

While immersed in the convenience of online shopping, please be alert to strange customer service calls, cloned websites, strange website links, etc. , and never reveal your bank card, password, ID card, check code and other core data.

Peeping at the victim's personal information.

Some customers are not aware of the protection of personal information when handling banking business, so some scammers use their super memory to write down the victim's credit, expiration date, the last three yards of the signature column (CVV2), ID number, name and bank card password, and then forge the victim's ID card to open online banking in the bank, and take the victim's deposit as their own.

In the name of payment.

After the swindler tried his best to find some company information, he called and pretended to pay part of the deposit before placing the order, so that the financial staff could check it in time. A day or two later, the swindler asked if he had received the payment. When the financial staff does not receive the answer, the liar will provide a so-called bank phone number for the financial staff to verify by phone. After the automatic answering phone is connected, you will be reminded to enter your account number and password. After the scammer obtains the account number and password, he will immediately forge an ID card to withdraw money from the bank.

Call for the password.

The swindler lied that your credit card was stolen and the suspect had been arrested, and asked the deceived person to report his ID number and the last three codes to the bank staff to prevent the credit card from being frozen. When you tell the liar the relevant information, the amount on the credit card will be stolen (stealing a credit card requires only knowing the ID number, credit and the last three digits of the credit card signature column (CVV2), and you can conduct online transactions.

Yellow net "Trojan Horse", download players and other software.

Many curious people like crazy pornographic websites, and when they click to watch, they are prompted to install a player. When the victim clicks download. Trojan horse software set by criminals in advance will be automatically downloaded and installed in the victim's mobile phone, so as to intercept and control the short messages of the victim's mobile phone, and let criminals inadvertently steal the bank verification short messages sent to the cardholder's credit card-bound mobile phone.

Beware of all kinds of fake loans and credit card information scams published online;

It is necessary to ask for "extra fees" before lending in the name of providing loans. Some loan companies may be real, but when searching for company names, the names in front of search engines are all the same, probably phishing websites or websites.

It is suggested that people who are certified by search engines in official website are more reliable (search engine certification will have the words "official website" on a green or blue background behind the search title: 360 will search for the words "official website" on a green background and Baidu will search for the words "official website" on a blue background).

Most of the information published online that you can get a loan or apply for a credit card as long as you have an ID card is a low-level scam. Don't believe it if the company is registered or not.

The swindler tricked the victim into signing a fax contract and concealed his fingerprints. Then he will cheat the victim step by step to pay the first month's interest, performance fee, deposit, insurance fee, guarantee fee, loan fee, notary fee, credit information fee, mortgage fee, card opening fee and so on. In the name of insufficient bank flow, checking the repayment ability of the victim or capital verification, the victim is required to transfer all the funds in his account to the liar's account. Even the victim is required to apply for a bank card at a designated bank, and then bind the liar's mobile phone number and other low-level means. If the victim fails to pay the fees as required by the swindler, the swindler will threaten the victim to breach the contract in the name that the victim has signed a contract with them, and threaten the victim to compensate huge liquidated damages. This is really a low-level means and typical!

Please always remember, under any circumstances, don't send money or transfer money to others first to avoid being cheated! Don't believe the threat of any liar. Because the other party is suspected, the contract signed with the liar has no legal effect and there is no so-called breach of contract. Low-level means that the liar's threat to pay liquidated damages is pure nonsense, don't worry.

Therefore, I would like to remind all netizens not to believe such loan or card information released by various investment and financing guarantee companies and various microfinance companies on the Internet, especially such companies in large and medium-sized cities such as Beijing, Shanghai, Guangzhou, Shenzhen, Hangzhou, Kunming and Fujian, which are basically liar companies! If you are cheated, regardless of the amount, please choose to call the police! So rampant, please also ask local public security organs to vigorously crack down on rectification!

Is the loan a loan or a contract?

It is suggested to apply for loans through formal channels: for example, Agricultural Bank of China (ABC), the definition of Netjet loan refers to the small consumer loans granted by ABC to individual customers who meet certain conditions in cash, and the customers apply for them themselves, receive them quickly, automatically approve them, and use their own letters. Application conditions (1) Basic conditions 1. At least 18 years old and no more than 60 years old, with China nationality and full capacity for civil conduct. 2. Hold legal and valid identity documents. 3. Our e-banking customers and holders of security authentication tools issued by our bank. (Currently only second-generation KBao customers are supported) 4. Credit status is good. 5. There is no unexpired "NetJet Loan" loan amount and no outstanding "NetJet Loan" loan balance. 6 stable income, with the ability to repay credit on schedule. 7. The purpose of the loan is reasonable and clear.

The loan amount for applying for NetJet is 30-300,000 yuan; The loan amount is valid for 30 days, and the borrower needs to use the loan within the validity period. The loan amount cannot be applied, approved and issued in a few minutes.

Is this a loan?

Obviously bluffing, just to scare you, even if it is illegal, it will not issue an A-level wanted order. . . .

What should I do if I receive a text message saying that I am suspected of a loan?

When you receive this message, don't be too alarmed at first. If you are really suspected, you will definitely pay criminal responsibility for it in your later life, but if not, you must always keep a cool head, so that you can solve this incident with a very good attitude.

Under normal circumstances, if you are really suspected, then at this time, if you have a little consciousness, you should immediately go to the public security bureau to surrender, and then tell the police all about your crime. At this time, as long as you surrender or admit your mistake well, the police officer will reduce some of your punishment according to your attitude of admitting your mistake. And to a certain extent, if the consequences you have caused are not very serious and huge, then to a certain extent, you can also reduce some punishment.

However, if you think about it carefully and find that you have not violated any laws and regulations, then this short message is probably a short message. At this time, we must be vigilant and don't let ourselves fall into this trap and trap. Therefore, if we are in a hurry when facing this problem, we are likely to fall into the trap of swindlers, thus causing property losses. You can also choose to ignore this message directly and ignore it. If you continue to harass you, you can call the police to handle this matter.

The last possibility is that you borrow money online for a long time and don't pay it back. If you owe a lot of money online and refuse to answer customer service calls for a long time and fail to deal with them in time, then the loan platform will take you to court in the name of a loan. At this time, not only is your credit information seriously affected, but you may even have to bear criminal responsibility. Therefore, in any case, you must keep your eyes open and don't be deceived. If it is your own problem, you must actively solve it. If it has nothing to do with yourself, you can choose to ignore it.

Is it a scam to receive SMS notification of consumer finance loan?

It's not necessarily a scam. It may be a marketing user of the consumer finance platform, inviting users to apply for loans, or it may just inform users to repay. However, when users receive similar messages, they must pay attention to careful identification, because there are many phishing messages on the market to defraud users' information and personal funds. It is suggested that users should operate through the officially supported channels whether applying or repaying, and do not click on the link sent by the other party at will, which is risky.

Is it true that the national anti-fraud center sent a text message saying that it is true to apply for a loan?

The national anti-fraud center sent a text message saying that the loan application was true. The National Anti-Fraud Center APP is a mobile phone anti-fraud software launched by the Ministry of Public Security, which integrates resource integration, intelligence research, investigation and command, and has played an important role in cracking down on and preventing new illegal crimes such as telecommunication networks. At the same time, users can also report illegal and suspicious telecom behaviors online through the National Anti-Fraud Center APP. In the process of using the mobile phone, if suspicious mobile phone numbers, short messages, gambling, phishing websites, apps and other information are found, users can report them in the reporting module, and the background will block the suspicious numbers in time.

This concludes the introduction of SMS for loan application and SMS for personal loan. I wonder if you found the information you need from it?