Is the notice of filing arrears in consumer finance real? What should I do if I receive a reminder text message in my name?

The short message of the notification of the filing of consumer finance arrears is not necessarily true. It may be true that you owe money, but the filing and investigation is definitely not reliable. At most, calls or text messages are collected, and there will be fewer door-to-door cases. So, will consumer finance overdue be credited? Let's take a look at the details together!

Is the consumer finance arrears filing notice true?

The consumer finance arrears filing notice is not necessarily true. When a user applies for a loan in consumer finance, the money owed is not a civil dispute, and civil disputes will not be filed. Unless it involves loan fraud, crime, etc. It may become a criminal case, and the case will not be filed until it becomes a criminal case. Therefore, the filing notice received by the user is generally used to intimidate the user to pay off the arrears as soon as possible. In addition, if the consumer finance arrears are not repaid, they may be prosecuted. If the user is overdue for more than 90 days and the repayment attitude is poor, the consumer finance platform can consider prosecuting. Once indicted in court, the debtor is placed on a list of executions for breach of trust. In addition, the platform's consideration of whether to sue the debtor is comprehensive and has no direct relationship with the overdue amount. Although the overdue amount is higher and the possibility of being prosecuted is greater, it does not mean that the overdue amount will not be prosecuted. Therefore, users are advised to deal with it quickly. The longer the delay, the greater the negative impact.

Consumer finance overdue credit check?

Consumer finance loans are subject to credit check. In addition, you can also use the following three ways to judge whether the loan is not eligible for credit investigation. 1. Look at the funder: if the funder is involved in a consumer finance company or bank, the loan will be checked for credit; 2. Online inquiry: the network information is also very detailed after inquiries; 3. Look at the electronic contract: when applying for an online loan From time to time, there will be electronic contracts, which will have content about credit reporting.

What should I do if I receive a collection text message in my name

If you receive a collection text message, don’t be afraid, and we need to deal with it calmly. If it is true that you are overdue, it is normal for the platform to send you a collection text message. Because the platform also needs to recover the arrears, at this time we need to pay off the arrears as soon as possible. In addition, if the borrower has not overdue, or has not used the platform for loans, it is necessary to pay attention to the authenticity. Or we can go to see our loan list, or we can consult the customer service of the platform. This is the best way.

(Responsible editor：floor)