First of all, you need to confirm whether you have financing in Minsheng Bank, and if so, determine whether it is overdue. If not, call 95568 and ask Minsheng Bank to help verify. This is the easiest way.

Secondly, 10680074 is the short message access code of Beijing Longxue Xunke Technology Co., Ltd. Under normal circumstances, banks will not use such a short message service code. The SMS service number of Minsheng Bank should be 1069 12095568. However, this does not mean that it must not be true.

Third, the collection and security of personal loan business of commercial banks are usually outsourced, so it is possible that the outsourcing agency sent you a message through the short message service of Longxue News. So to identify whether this thing is true or not can be verified by seeing if there is a lawyer's letter. Fourth, if you haven't received a phone call or text message from the court, you have basically not entered the litigation stage.

But if you are really overdue, the other party is likely to initiate a lawsuit. The reason is that all commercial banks are busy launching group lawsuits against overdue individual loan customers, and completing the first instance and execution before the end of the year. Then it can be written off, otherwise the non-performing rate will not look good at the end of the year, hehe.