Will consumer finance send a text message saying that malicious arrears will be investigated?

Consumer finance sent a text message saying that it was seriously overdue and had to go to the door. Have you ever been in this situation?

Don't worry, if the overdue gold month is not large, consumer finance will generally be thousands, and there is a high probability that it will not be received at home. Sending text messages is mainly a means of pressure for collection, and it is basically a unified copy sent to debtors in batches. Some people will panic if they have no experience in this field.

It is possible that bank loans will really come to you, especially local banks and special loans, such as policy loans such as business loans, commercial loans and government discount loans. Many of these are discount loans with special funds, and the use of loans is clearly regulated.

There are also explicit provisions and codes of conduct for collection, which can't be the mode of Japanese entering the village. Don't be too scared. In the environment of legal society, laws and regulations also have many normative requirements for expropriation. If there are irregularities in the collection process, you can collect relevant evidence and complain to the regulatory authorities! I have relevant information to share with you!

Is it true that loans overdue sent a text message saying that the company I work for visited?

Consumer Finance loans overdue sent a text message saying that our company was visiting, which may be true. If the user applies for a consumer finance loan, but fails to repay it on time, and the overdue situation is serious, then consumer finance may arrange a collection person to collect it at home. The collection address includes the user's residence, domicile or work unit.

Therefore, when the user receives the reminder message, please contact the consumer finance as soon as possible, and say that the overdue debt will be paid off as soon as possible, so that the consumer finance will not arrange for the collection personnel to come to the door for collection. If the user does not take the initiative to contact the consumer finance, or promises to repay the consumer finance as soon as possible but fails to implement it, then the consumer finance will collect it at home according to the content of the reminder message.

Consumer finance loans are credit loans, which will have many negative effects after loans overdue. Please pay off overdue debts as soon as possible. If you can't pay off the debt as soon as possible, you can apply to the lending institution for repayment through negotiation.

Is it true that consumer finance sends a text message saying that malicious arrears will come to you?

If they are really in arrears, then the news is true, because they all have personal information, especially their home addresses. If consumer finance has never been involved, then this text message is fake. It is normal for people who owe money and don't accept it. After all, financial institutions are engaged in risk. Once you borrow money and don't pay them back, they will definitely try their best to get them to pay back.

First, it is normal for lending institutions to collect money at home.

Under normal circumstances, lending institutions will have their own collection procedures. If the borrower is overdue, these lending institutions will generally follow the following procedures for collection.

Within one month after the deadline, it will be collected mainly by SMS and telephone.

In loans overdue, the frequency of text messages and phone calls will be more frequent for more than one month and less than three months. At the same time, they will send some lawyer's letters or court summons to the debtor (of course, many of these lawyer's letters or court summons are false). In addition, at this stage, some non-performing lending institutions will even contact the relevant contacts of borrowers.

Overdue for more than three months, and the amount is relatively large, then these lending institutions may come to collect. Of course, for institutions such as consumer finance, they have businesses all over the country, and mainly conduct business online, so their collection work is basically entrusted to local third-party collection agencies. If your overdue amount is relatively large, and the overdue time is more than three months, it is very likely that someone will collect it.

Two, the lending institutions must be in accordance with laws and regulations, can not use violent means of collection.

However, at present, the collection work of financial institutions such as consumer finance is generally entrusted to third-party institutions, especially for customers who are overdue for a long time. These consumer financial institutions may directly package these bad debts and sell them to other third-party companies at a relatively low price, so that third-party companies may adopt violent collection methods.

At present, the state has cracked down on the loan industry very severely, and lending institutions dare not violate the rules too much. Over the past year or so, China has been cracking down on all kinds of illegal loans from the public security departments to the regulatory authorities. The whole country is vigorously rectifying various illegal loans such as consumer loans, cash loans and routine loans. Up to now, a number of cash loan platforms and routine loan platforms have been terminated by the police.

Is it true that Baiqian Financial sent a text message telling it that the loan was maliciously overdrawn, asking it to locate its mobile phone and send someone to visit it?

This should scare you. Mobile phone positioning is not that easy. You have no signal, and no one can receive the signal from your mobile phone. Secondly, this kind of professional equipment is not owned by anyone, which is illegal. However, the money owed is not a problem, and it is still necessary to pay back what is owed.

Speaking of door-to-door collection, let's briefly explain the whole collection process to you. Generally speaking, you borrow money on the online lending platform. If you are overdue, he will contact you first. If you say that you will basically tell you when to rush you three days ago, if you still don't get it, he will contact your emergency contact at this time. We usually fill in an emergency contact when borrowing money. If you don't return at this time, your address book may be exploded.

Borrowing platform, your address book he got basically came from two places.

First, when you install the loan platform, the APP will authorize your address book. The address book is the contact of your mobile phone, followed by your mobile phone card. When you apply for a loan, he will check your phone records for six months, that is, when you apply for a service password, he will make a copy from the past two places. If you don't return after the bombing at this time, he may add you WeChat or call you to tell you that he will send some MMS and send some disgusting messages to your family or friends.

In fact, their main purpose is to put pressure on you If you don't pay it back at this time, they will say that they will sue you. At this time, you will also receive some indictments and the like. In fact, most of those are fake. If this thing is useless, he will tell you that he will collect it, or he will locate you, or he will outsource some outsiders, and then he will drive a Wuling Hong Guang or something, just to put pressure on you. But in fact they won't, because most of them won't.

Second, if you belong to the offline or online section, and then he leaves your company, and he has a local outlet, he may come to collect money at this time, but that kind of thing will not be said as we usually see, such as splashing paint or pulling banners, basically not.

Reasons for not choosing family collection:

First, the loan amount of some large platforms is also relatively high. They won't negotiate with you first, whether you have repayment ability or not. They will choose to sue and take legal channels instead of collecting them at home.

Second, there is a certain cost to collect at home. If you still don't pay at this time, such as sending some disgusting news to the address book, in fact, they know in their hearts that you don't have money now, even if he collects it at home, they will have their own fare and fuel costs first, including the cost of hiring some people, and then they may not be able to urge money after coming, so they won't do such a thing.

Third, there are many uncontrollable factors at home, just like if I burst your address book, I will come to your home to ask for money at this time. Maybe I thought you would hit me, didn't you? Therefore, in order to avoid some risks, they will not choose the way of door-to-door collection.