China post consumer finance does not have this right, only the court does. The content of the text message is to scare you. Of course, they provide evidence to the court. If you don't go after the trial, the court will rule against you and will definitely implement it. The court will freeze your account.
Extended data:
Consequences of overdue repayment:
1, it's better to keep using this card. After the deadline, the best way is to continue to use this card and overwrite the original negative record with the new normal repayment record. Generally, a new credit record will be generated after 24 months, so that personal credit will not be affected after refreshing the record.
2. Never run away. If it is overdue for a long time, the credit card will generate interest and there will be a high late fee. If you run away, the bank will think you overdraw maliciously and call the police.
3. Inability to repay the loan requires timely explanation. If you can't repay on time due to unemployment or illness, you can apply for deferred repayment and interest concessions before the repayment deadline, state your financial situation and declare that you are not maliciously in arrears.
4. It is best to repay in full and explain the reasons. If you forget to pay back because of your usual carelessness, you must pay back in full as soon as possible, preferably in full, because calling the bank after full repayment shows that it is not a malicious debt request, and eliminating overdue records has the best chance of winning.
The borrower's overdue repayment will generate overdue interest and liquidated damages. In order to recover the loan, the recourse fees (including but not limited to attorney fees) that the lender or the third-party guarantee institution must pay shall also be borne by the overdue borrower.
In addition, the Long-term Loan Association officially records the relevant information of overdue borrowers in the "Bad Credit Record" of the credit information system of the People's Bank of China. According to the situation in different regions, these records will be kept for at least five years, which will have an impact on other credit behaviors of overdue borrowers.
The third-party guarantee institution of long-term loan cooperation also reserves the right to take legal measures against overdue borrowers, and all legal consequences arising therefrom shall be borne by the borrowers.
Therefore, the borrower should ensure that the account has enough balance before the repayment date to avoid overdue. We advocate law-abiding and honesty, and build a harmonious and win-win investment and financing environment.