Consumer finance companies refer to some non-bank financial institutions established with the approval of the Committee of China Banking and Insurance Supervision Bureau, which provide loans for consumption for individual China residents. In the early days, these institutions were based on the source of funds and would not absorb public deposits.
Question: Where is the consumer finance filing notification SMS?
1. In general, the notice of filing a case will not be notified by SMS, but by written form. Therefore, after receiving a similar message, if users are not sure whether it is true, they can go to the court to check it.
2. Generally speaking, it is mainly the collection of loan platforms or similar short messages sent by third-party collection companies to urge users to repay their debts as soon as possible.
Second, what is the impact of evading debts and maliciously overdue repayment?
1. It will be recorded in the credit report.
2. Other channels will also have overdue repayment records. For example, for users who evade debts, the local mutual fund association will also release information in the official and play it in turn.
3, affect the follow-up consultation application
Users should deal with overdue loan platforms as soon as possible. The longer loans overdue time, the more accumulated penalty interest.
Third, the reasons for receiving consumer finance short messages.
1. There is no lending behavior.
Customers have logged on some loan platform websites or paid attention to the advertisements of loan platforms before surfing the Internet. Therefore, it became the target customer of the platform and was sent a large number of short messages recommending loans.
2. There is borrowing behavior.
The platform reminds customers not to forget to repay. Of course, it is also possible that the customer owes money after borrowing money, and the platform sends a text message for dunning.
For some malicious overdue users, the relevant lending institutions/platforms will take some repayment methods, such as sending text messages and calling for repayment. However, we should learn to distinguish the authenticity of the repayment message received.
3. Other circumstances
(1) Some relatives and friends borrowed money, and then regarded the customer as the emergency contact person for their loan, leaving the contact information of the customer. If the loan platform can't contact the other party, it will naturally find the customer.
(2) The customer's personal identity information was leaked, stolen by criminals and defrauded. The other party did not return the money after borrowing it, and the platform found the customer according to the information left by the other party. In this case, the customer can make it clear to the platform without having to bear the repayment responsibility.