Receiving consumer finance short messages may be due to user registration, browsing the loan platform, loan expiration, platform dunning, loan emergency contact or personal information disclosure.

1. Reasons for receiving short messages on consumer finance

1. There is no borrowing behavior

Before surfing the Internet, customers have logged into some loan platform websites or paid attention to the advertisements of loan platforms. Therefore, it became the target customer of the platform and was sent a lot of short messages recommending loans. ?

2. There is borrowing behavior

The platform reminds customers not to forget to pay back. Of course, it is also possible that the customer does not pay back the money after borrowing, so the platform sends a text message for dunning.

for some malicious overdue users, the relevant lending institutions/platforms will adopt some repayment methods, such as sending short messages and calling for repayment, etc., but learn to distinguish the authenticity of the received repayment short messages.

3. Other circumstances

(1) If a friend or relative borrows money, he regards the customer as an emergency contact for his own loan and leaves his contact information. The loan platform can't contact the other party, so it naturally finds the customer.

(2) The customer's personal identity information was leaked, stolen by criminals and fraudulently loaned. After the other party borrowed the money and didn't pay it back, 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. Second, how to prevent

1. Don't tell anyone your ID number, bank card number and bank card password at any time, anywhere.

2. When you can't tell whether the short message is true or not, you should call the bank's enquiry number at the first time.

note: don't call the number left in the SMS first!

3. Don't use your mobile phone to call back. You'd better call back from a fixed phone.

4. The best way is to ignore some unfamiliar short messages that can't be identified at all.

5. If you have been cheated, please report it immediately.

6. Don't talk to strange text messages-don't believe, don't be greedy, don't reply, this is the best way to deal with fraudulent text messages.

In short, when you receive a loan short message, you should first identify the authenticity of the content, and be wary of some short messages that need to be linked/credited. Of course, users still need to repay in time and maintain a good repayment habit, so as to reduce the probability of receiving such short messages.

where is the consumer finance filing notification SMS?

1. Under normal circumstances, the notice of filing a case will not be notified by SMS, but in written form. Therefore, after the user receives a similar short message, if he is not sure whether it is true or not, he can go to the court to check it.

2. Generally speaking, it is mainly the collection of the loan platform or the collection of the company by the third party that sends similar short messages, in order to urge users to repay the arrears as soon as possible.

What's the impact of evading debts and maliciously failing to repay them?

1. There will be records on the credit report.

2. Other channels also have overdue repayment records.

For example, for users who evade debts, the local mutual fund association will also distribute information in the official public rental and play it in turn.

3. Impact on subsequent negotiation applications

Users should deal with the overdue loan platform as soon as possible. The longer they are in arrears, the more the accumulated penalty interest will be.