The online loan was overdue, and the other party sent a text message saying that they would sue me. Is it true or not?

Lawyer 1: Now many short messages are collected in an orderly way, and the arrest warrant has come down. I will send you short 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.

You're overdue. First, the internal staff makes a collection, but the internal collection can't come back. Then the bank will entrust such cases to the collection agency for collection and give them a commission. Of course, the commission is very rich, and there are not a few bank collectors. Generally, this kind of living bank won't cost manpower, because it is too labor-intensive. 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.

So it can be concluded that many text messages are fake except that your arrears are true! Either a collection agency, a bank or 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?

General banks will regularly take all cases of overdue credit cards to 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 the frozen deduction case by case, and the workload would be too heavy, and finally it would 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, the China Banking Regulatory Commission and major financial institutions jointly pushed the Internet 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 this system lies in that it can query a person's accounts in all banks, and send the notice directly to the bank where the account is opened, and then the bank will complete the deduction in one go, which successfully solves the problem of checking the frozen deduction during execution. This is really terrible, because Lao Lai has nowhere to hide, unless he doesn't use bank cards, Alipay and only 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 does the state public security organ do nothing but catch 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! So the bank would rather scare you into paying back the money, and there are few other measures. In the end, they all became dormant accounts and disappeared after a few years of death.

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

First, they broke away from the old SMS collection mode (you have to pay back the money quickly and so on). ) 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 that look professional, so that the trust of the recipients will increase, which will lead to whether I am really being 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 flaw is:

First of all, if you really borrowed money, my friend, it is natural to repay your debt. Unless you don't borrow 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, 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 loan has more or less illegal routines, since you want to take the law, then follow it, 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 loopholes. First of all, the court will not send a so-called lawsuit notice or warning letter to the defendant, let alone send you a text message. Please, I'm a national judicial organ. 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, 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 sent by a lawyer himself, but in the name of a law firm, so the letter with his name on it can't be fake any more. Then a friend asked, what if someone made a fake and got the seal of the law firm? Hey. Not to mention me, I was 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 uncertain, I went online to search this law firm. After entering the name of their law firm in the search bar, I found that everyone 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 if there is this law firm.

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

Banks do report suspicious credit card fraud (i.e. malicious overdraft, etc.). ), but they were not considerate enough to send you the phone numbers of the police 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 a 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, you can make money.

This is a means for banks to collect staff, and the phone number of the police is only the phone number of their internal staff or the phone 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 about 30,000 days overdue, and the overdue days exceeded 100 days. There is a bank collector calling to negotiate repayment. If they can handle part of it, they can apply for deferred repayment. I ran a 2000 in the middle, and then I called every day. I just had to deal with it today, so I hung up and didn't listen to you. Later, I stopped answering the phone directly, and then I received a text message and a lawyer's letter and mailed it 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:

Pay it back if you have money. If there really isn't, don't worry. If you do, you won't go to jail! Of course, you can't escape the money from the bank, and you have to pay it back eventually. Take the time to make money, and don't worry about this affecting your work mood!