Many people will receive a text message from the Yingtan Mediation Center after their online loan is overdue. The content is written in a meaningful way. It probably means that you have not paid the amount you owe on the xx platform, and the platform has sued us. You know, we are here to mediate before the court.

Many people panic as soon as they see the pre-litigation and sue, and anxiously break their original repayment plan (for overdue loans, they usually negotiate to suspend interest first, deal with credit cards, and then online loans), and quickly raise money to repay. In fact, it’s not necessary.

There are areas that specialize in P2P/online lending, that is, all kinds of online loans go to that city to set up a branch, and then the online contract signing locations are agreed to this place by default. The court concentrates on online loan litigation. This so-called mediation center, Yingtan Financial Dispute Mediation Center, is just this kind of institution. It is a private mediation institution. Simply speaking, it is a collection agency, or it is covered with this layer of falsehood. It wears the appearance of a "court mediation agency" but is actually responsible for collecting debts.

Looking at the text messages sent by this so-called organization, it seems to be very impressive. It can sue, mediate, and arbitrate. In fact, there are no legal effects. If you really sue, you are not afraid. See my other article about In terms of negotiation, as long as you respond to all complaints, the time it takes to go through the process will be enough for you to make money and pay back. Will not be executed at all.

Brothers, remember, please look for the real notice of prosecution (12368). In addition to this number, other text messages with T-subscription and pre-trial mediation with phone numbers are just collection methods. If you receive the 12368 text message, you can go to the People's Court online service and select the area to see if there is any information about you. Don't panic when you receive a lawsuit. The court will call you for pre-trial mediation.

Some people also ask whether the express delivery sent by the postal service is a letter of prosecution. This is not necessarily the case. In order to make you more scared and think of ways to repay, some online loans will send you a notification letter through the postal service. , lawyer letters, prosecution letters and other forged documents that have no legal effect.

Let me tell you this, it does not mean that you can just and rightly not pay back the money. It is natural to pay back debts, but there are extenuating circumstances. It doesn't matter if you pay overdue, as long as you think you will pay back later.

Everyone has a hard time at the beginning of the epidemic, but we must stay strong. We all face debt collection. We accept formal debt collection, but we firmly resist violent debt collection. Come on people ashore!