Is it true that consumer finance collects money?

The correct consumer finance collection SMS is as follows:

Consumer finance XXX, your loan has been seriously overdue, and your account has been judged as a high-risk overdue account by our department. Repeated phone calls can't reach you normally. Not answering the phone doesn't mean you don't need to pay back. Our department will contact your parents, relatives and work units to verify your personal economic situation. In order to avoid damaging your personal reputation, please go to the app to apply for overdue loans before 16 pm at the latest. Unsubscribe back to t

Extended data:

1. What is consumer finance?

1. Consumer finance is a modern financial service model that provides consumer loans to consumers at all levels. Under the current macroeconomic situation in China, it is necessary to introduce relevant management measures in time to adapt to the trend and needs of the objective economic situation. From the perspective of financial product innovation, personal credit business is an area that traditional banks cannot fully benefit from. Establishing a professional personal consumption financial system can better serve individual residents.

2. Consumer finance is not a loan platform, but a financial service mode that provides consumer loans to consumers at all levels.

3. Consumer Finance Company is a non-bank financial institution established with the approval of China Banking Insurance Regulatory Commission, which provides loans for the purpose of consumption for individual residents in China. For example, Gitzo Consumer Finance, Instant Consumer Finance, Zhongyuan Consumer Finance, China Post Consumer Finance and Shanxi Merchants Consumer Finance. There are Xiaoman Finance, Suning Finance, Jingdong Finance and so on.

4. Customers can apply for loans from the above-mentioned consumer finance institutions. Generally speaking, as long as the personal credit is good and there is enough repayment ability, the loan can be successfully obtained. In addition, some consumer finance companies cooperate with other lending platforms and can also issue loan funds as lenders.

Second, how to deal with the harassment of consumer finance collection SMS?

1. With the introduction of online loan management measures, violent collection has also become the focus of the regulatory authorities. If the collection of online loans seriously affects the physical and mental health of borrowers and violates the rules, then you can collect relevant evidence first and then report it through certain channels.

2. China's laws have the following provisions on private lending. If the interest rate agreed between the borrower and the borrower does not exceed the annual interest rate of 24%, and the lender requests the borrower to pay interest at the agreed interest rate, the people's court shall support it. If you have no money at hand, you should also show a good willingness to repay, actively communicate and coordinate on the platform, and make a repayment plan acceptable to everyone. Paying back the money on time is fundamental, so as not to be sued.