Is it true that the loan SMS reply 1 is true? Be careful!

I believe many people have received various loan text messages, such as invitations to increase quotas, preferential activities, activation, etc. Recently, a user said that he received a text message from a certain loan platform. The information above shows that this is a product that I wanted to borrow very much before. It shows that the loan SMS message will reply to 1 for processing. Is this true? How to identify loan text messages?

1. Is it true that the loan SMS reply 1 is true?

It may be true, but there is also a certain chance that it is a scammer, because many loan platforms now publish advertisements through phone calls, text messages, WeChat, QQ and other channels. As long as you have left your contact information, it is inevitable that you will I receive a lot of similar information, and many scam companies will pretend to be regular platforms to send information. It is difficult to tell whether it is true or false, so it is impossible to simply say whether it is true or not.

Here we recommend that you do not reply with any numbers or letters casually, such as replying to 1 to handle, or replying to T to unsubscribe, etc. to avoid being deceived.

2. How to identify loan text messages?

1. First of all, do not click on any links in any advertisements, sales promotions, or reminder text messages, otherwise it is easy to obtain personal information, or even worse, you may be infected by a virus, with disastrous consequences.

2. If you have not submitted an application on a certain loan platform, or even opened the official website or related content, and you receive advertising information, it is best not to click on it. In this case, it may be a mass message from a financial institution. Ads, otherwise they are liars.

3. Check the source of the call, such as a bank text message. The source will be more formal, such as Industrial and Commercial Bank of China 95588. If the information is sent by a series of irregular numbers or letters, you must be cautious, as it is likely to be a pseudo base station.

In short, no matter what the information is, do not click directly on the text message. You can log in to the official website of the lending institution to consult customer service.

I suddenly received a text message from Ping An Bank today, saying that I had applied for a limit of 398,000, but I didn’t have one. I don’t know if that’s the case?

It’s just a harassing text message. You can reply 0000 to the other party. After receiving the mobile receipt, reply with a 0 to block the other party. They will no longer be able to harass you in the future. Personally, I feel that this should be a similar text message, and it is sent in groups using special software, and is not specifically targeted at one person's mobile phone number. To be honest, for ordinary people, they have never heard of banks having such high credit lines. . If you are sure that you have no business dealings with the bank, ignore this information. New form of network manifestation: elements use false loans as a means to require victims to pay in advance the so-called "cash withdrawal fee", "packaging fee", "cost of production", "membership fee", "capital verification fee", "insurance fee", " Deposit", "security deposit", "certification fee", "current funds", "advance payment", "unfreezing fee", "stamp duty", "notary fee", "handling fee", "check activation fee" and other fees , implementation series. As a large state-owned bank, ICBC will not directly apply for a credit limit for you for no reason. If you are worried, the best thing to do is to ask at the counter of Ping An Bank.

: Ping An Bank, whose full name is Ping An Bank Co., Ltd., is a cross-regional joint-stock commercial bank controlled by Ping An Insurance (Group) Co., Ltd. of China. It is one of the 12 national joint-stock commercial banks in mainland China. one. The registered capital is RMB 5.12335 billion, with total assets of nearly 1.37 trillion yuan. It is headquartered in Shenzhen, Guangdong Province. Ping An Insurance (Group) Co., Ltd. of China (hereinafter referred to as "Ping An") and its holding subsidiaries hold a total of approximately 2.684 billion shares of Ping An Bank, accounting for approximately 52.38%, and are the controlling shareholders of Ping An Bank. It has 34 branches across China and a representative office in Hong Kong.

The consequences of failing to repay the bank loan:

1. The bank will take certain collection measures. During the initial phone notification, if the loan is indeed repaid, you can explain yourself to the bank. Depending on the actual situation, try to apply for an extension. This depends on the regulations of different banks. Note: An extension will be regarded as negative information in the credit report, indicating that there are certain problems with your repayment ability, but it is still better than an overdue situation.

2. If you are overdue for more than 90 days, if the circumstances are serious, it can be regarded as malicious overdue, and the bank's collection may also cause pressure on yourself and your family, affecting the normal life of the individual and the family;

3. In terms of overdue charges, there will be some expenses such as liquidated damages, penalty interest, etc., which need to be charged according to the contract. Different institutions and different loan products charge different liquidated damages or penalty interest;

4. It will have an impact on personal credit records. A bad credit record will become a hindrance to future mortgages, car loans and other loans, as well as the application of credit cards;

5. If the loan cannot be repaid, Those who are caught and still fail to repay the debt after the execution of the judgment can be reported to the Supreme People's Court and entered into the "list of dishonest persons subject to execution", also commonly known as the "list of dishonest persons", and will be prohibited from traveling by air, high-speed rail, etc.

Have I ever taken out a loan? Why did I receive some loan information? Is this a loan?

Have I ever taken out a loan? Why did I receive some loan information? Is this a loan?

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Just like the Agricultural Bank of China sent me a message saying that the card was frozen, I only have industrial and commercial cards that are obvious scammers...

I keep receiving some loan information on my mobile phone!

This is an invitation text message, which means that if you need a loan, you can click the link in the text message to submit an application. However, this kind of online loan generally has high interest rates, and don’t click random links in text messages to be careful of phishing links.

Is this a loan?

It’s better to hire a lawyer, because your bid is small and the lawyer’s fees are very cheap. If you win the lawsuit, the other party will definitely pay for other legal fees!

Note:

1. The IOU has a time limit and must be collected in time

2. Ask the lawyer whether he wants to make a preservation, which means he has the right to seal the other party’s company or other property accounts. In this way, you If you win the lawsuit, you don’t have to worry about the other party delaying or acting rogue.

3. It’s best to get to know the people in the recovery department

I hope you succeed! You must be more thoughtful when making friends in the future!< /p>

I received a message today saying that I took out a student loan but I don’t have one. Is that so?

Yes, just ignore him and just delete the message.

Why did my phone receive it? Go to the loan information

That means your personal information has been leaked

In today's society, it is normal for personal information to be leaked

You can only be careful.

What is the crime of loan and what are the constituent elements of the crime of loan?

The crime refers to the crime of defrauding large amounts of public or private money by fabricating facts or concealing the truth for the purpose of illegal possession. property behavior.

Elements of the crime

(1) Object elements of the crime

The object of this crime is the ownership of public and private property. Although some criminal activities also use certain deceptive methods and even pursue certain illegal economic interests, the objects they infringe are not or are not limited to public and private property ownership. Therefore, it does not constitute a crime. For example: abducting and trafficking women and children is a crime of infringement of personal rights.

The object of the crime is limited to the property of the state, collective or individual, rather than defrauding other illegal benefits. Its objects should also exclude loans from financial institutions. Because this law has specifically stipulated the crime of loan in Article 193.

(2) Objective elements of the crime

Objectively, this crime is manifested in the use of fraudulent methods to defraud large amounts of public and private property. First of all, the perpetrator committed a fraudulent act, which formally includes two categories: one is fabricating facts and the other is concealing the truth;

In essence, it is an act that causes the victim to fall into a wrong understanding. The content of a fraudulent act is to create a misunderstanding in the victim under specific circumstances and make the property disposition desired by the perpetrator. Therefore, whether it is fabrication or concealment of past facts, present facts or future facts, as long as the above-mentioned facts are present, content is a form of fraud. If the content of the fraud does not enable them to make property dispositions, it is not a crime of fraud.

(3) Subject requirements of the crime

The subject of this crime is a general subject. Any natural person who has reached the legal age of criminal responsibility and has the ability to commit criminal responsibility can commit this crime.

(4) Subjective elements of the crime

The subjective aspect of this crime is direct intention and the purpose of illegally possessing public and private property.

About loans and fraudulent loans?

1. The crime of fraudulently obtaining loans is a newly added crime in Amendment (6) of the "Criminal Law" after Article 175 of the "Criminal Law" "The Crime of Usury Re-Lending". It refers to the crime of obtaining loans by deception. Loans from banks or other financial institutions cause heavy losses to banks or other financial institutions or have other serious circumstances. According to the "Regulations of the Supreme People's Procuratorate and the Ministry of Public Security on the Prosecution Standards for Criminal Cases under the Jurisdiction of Public Security Organs (2)" issued by the Supreme People's Procuratorate and the Ministry of Public Security in May 2010, cases involving the following situations should be filed for prosecution: "(1) Obtaining a loan amount of more than 1 million yuan by deceptive means; (2) Obtaining a loan by deceptive means, causing a direct economic loss of more than 200,000 yuan to a bank or other financial institution; (3) Although the amount does not reach the above-mentioned standard, it is more than 1 million yuan. Obtaining loans by deception for the first time; (4) Other cases that cause significant losses to banks or other financial institutions or have other serious circumstances. "The statutory sentencing range is not more than three years for "larger amounts", criminal detention, and a fine or A single fine shall be imposed; if the amount is "huge" for more than three years but not more than seven years, a fine shall also be imposed. For loan crimes with "relatively large amounts", the offender shall be subject to a term of not more than five years or criminal detention, and shall also be fined not less than RMB 20,000 but not more than RMB 200,000.

2. The crime of loan refers to fabricating false reasons for introducing funds and projects for the purpose of illegal possession, using false contracts, using false certification documents, using false property rights certificates as guarantees, and exceeding the amount of collateral. The act of repeatedly guaranteeing the value of loans or loans from banks or other financial institutions in other ways, with relatively large amounts. According to the "Regulations of the Supreme People's Procuratorate and the Ministry of Public Security on the Standards for Filing and Prosecution of Criminal Cases under the Jurisdiction of Public Security Agencies", loans of more than 20,000 yuan should be filed for prosecution.

The statutory sentencing range is between five years and less than five years or criminal detention if the amount is "large", and a fine of not less than 20,000 yuan but not more than 200,000 yuan is imposed; if the "huge amount" is between five years and not more than ten years, a fine of not less than 50,000 yuan and not more than 500,000 yuan is imposed. A fine of not less than 50,000 yuan but not more than 100,000 yuan, or more than ten years if the amount is particularly huge, or a fine of not less than 50,000 yuan but not more than 500,000 yuan, or confiscation of property.

Are there any mobile phone loans?

Due to the popularity of smart phones, the Internet and loans are rampant day and night. Please be vigilant and understand relevant knowledge, and pay attention to safe use of the Internet.

Network:

"Phishing website with fake bank official number".

Generally, consumers trust official bank customer service hotlines starting with "95XXX". When receiving such a number, most people will lower their vigilance or even completely lose their vigilance. Generally speaking, criminals will use a number changer to change the phone number to the official customer service hotline of the bank, and use fake information under the guise of "system maintenance, changing passwords", "large purchases at a certain mall" or "points exchange for gifts". Base station technology pushes text messages with fake bank official website links to users. Once users click on the phishing URL link in the text messages, it is very likely that key information such as username and password will be leaked, resulting in credit card theft.

Cardholders should pay special attention to whether the website provided in the text message or phone call is consistent with the website domain name announced by the bank; many website domain names will have more letters or less letters, as well as more suffixes or prefixes. If you are unable to judge, it is recommended to call the official customer service hotline of the card issuer for confirmation and do not be deceived by false impressions.

Free gifts are not trustworthy, and be wary of "pie in the sky".

Recently, many consumers have complained that most of them have received calls from official numbers that appear to be major banks. The phone call said that if you are selected as one of the lucky users, you can get gifts such as "3D glasses" and "high value gift pack portable WIFI" from the bank's credit card center. The equipment is free, but the logistics fee and testing fee will cost more than 190 yuan. Postage A 200 yuan phone recharge card will be included. If you want it, you need to provide the delivery address and other information.

Since there are endless phone number scams at present, cardholders should keep a clear mind when receiving such calls. They may as well hang up the phone and call the official number for verification in time. At the same time, users can check and identify the preferential activities, value-added services and other information of each bank through the bank's official website. They must be wary of "pie in the sky" and do not take advantage of small gains to prevent being deceived.

It is not a "good intention" to help you raise your forehead.

According to statistics, a very high proportion of people use credit card limit increases as an excuse. Credit card experts said that if there is a call from "bank customer service" and the caller offers to help the cardholder increase their credit card limit, don't get too happy because the person on the other end of the phone is probably a scammer.

Generally, this type of so-called "bank customer service" will help the cardholder increase the credit card limit based on the user's credit card consumption meeting the limit increase requirements. During the phone call, they will ask questions, verification codes and verification codes on the back, etc. information, or allow customers to log in to the fake website provided by them and enter relevant information, thereby successfully committing fraud.

"Under any circumstances, service personnel of banks or credit card institutions will not ask customers for passwords or passwords through phone calls or text messages. Once the other party makes such a request, it can be determined to be information." Traffic Bank credit card experts said.

Online shopping "refund".

Online shopping has become an indispensable part of people's daily lives, and scammers have also introduced new methods in this field. Molecules use consumers' real shopping information to act as customer service staff to "refund" money, and then lure consumers into phishing websites. This is also a popular scam recently.

Consumer Ms. Yang encountered such a scam. Ms. Yang likes online shopping, and one day she took a photo of a coat on the website. At this moment, she received a call from the "store owner" claiming that the product was out of stock and that she needed to provide her credit card, expiration date, verification code on the back of the card and other information for a refund. Ms. Yang believed the scam and provided her credit card information. She didn't know she had fallen into a scammer's trap until she received a transaction text message from the bank. But by this time, it was too late and her credit card had been stolen.

While immersed in the convenience and speed of online shopping, cardholders are advised to be vigilant against calls from unfamiliar customer service, cloned websites, unfamiliar website links, etc., and never disclose their bank cards, passwords, and ID cards. , check code and other core data.

Peeping at the victim’s personal information.

Some customers do not have a strong awareness of personal information protection when handling banking services, so some scammers rely on their super memory to use the victim’s credit, validity period, three digits after the signature (CVV2), and ID card. Write down the number, name, and bank card password, then forge the victim's ID card to open online banking at the bank, and take the victim's deposits as your own.

In the name of payment.

After the scammers tried their best to find the information of some companies, they called and pretended to pay a deposit before ordering, and asked the financial staff to check it in time. A day or two later, the scammer will ask again if the payment has been received. When the financial staff responds that they have not received the payment, the scammer will provide a so-called bank phone number for the financial staff to verify. After the automatic answering call is connected, it will remind you to enter it. Account number and password. When the scammer obtains the account number and password, he will immediately forge his ID card and go to the bank to withdraw money.

Call by phone to ask for the password.

The scammer falsely claims that your credit card has been stolen and the suspect has been caught, and requires the victim to report his or her ID number and last three digits to the bank staff to prevent the credit card from being frozen. When you provide the relevant information to the scammer, the amount on the credit card will be stolen (for credit card fraud, you only need to know the ID number, credit card number, and the last three digits of the credit card signature field (CVV2) to make online transactions.

< p>Pornography "Trojan", download player and other software.

Many curious people like pornographic websites. When they click to watch, the criminals are prompted to install the player beforehand. The set Trojan software will be automatically downloaded and installed into the victim's mobile phone, thereby realizing the interception and control of the victim's mobile phone text messages. In this way, criminals can inadvertently steal bank verification text messages sent to the mobile phone bound to the cardholder's credit card. .

Be wary of all kinds of scams with false loan and card information posted on the Internet:

There must be "additional fees" before disbursement in the name of providing loans. The loan company may be real, but when searching for the company name, the names listed at the top of the search engine are likely to be phishing websites or websites.

It is recommended to open the official website certified by the search engine, which is relatively reliable. Some (certified by search engines) will have the word "official website" with a green or blue background after the search title: 360 searches for the word "official website" with "white characters on a green background", and Baidu searches for "official website" with "white characters on a blue background" The word "official website").

Most of the information posted online that you can get a loan or apply for a credit card with just your ID card is a low-level scam. Do not believe it regardless of whether the company is registered or not.

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The scammer first deceives the victim into signing a fax contract and pressing his/her fingerprint, and then step by step, he will trick the victim into paying the first month's interest, performance fee, deposit, insurance premium, guarantee fee, loan fee, notarization fee, credit investigation fee, Mortgage deposit, card opening fee, etc. In the name of insufficient bank balance, checking the victim's repayment ability or capital verification, the victim is required to transfer all the funds in his account to the scammer's account, and even requires the victim to go to a designated bank. Low-level methods such as applying for a bank card and then binding the scammer's mobile phone number. If the victim does not pay the fee as required by the scammer, the scammer will threaten the victim to breach the contract on the pretext that the victim has already signed a contract with them, and threaten the victim to pay huge liquidated damages. , this is really a low-level method and a typical example!

Please always remember, under no circumstances, do not send money or transfer money to other people first, so as not to be deceived! Because the other party is suspected, the contract signed with the scammer has no legal effect, and there is no theory of breach of contract. The scammer's low-level method of threatening compensation for liquidated damages is pure nonsense, and there is no need to worry.

Therefore, netizens are hereby reminded not to believe such loan or card application information published by various online investment and financing guarantee companies and various small loan companies, especially those in Beijing, Shanghai, Guangzhou, Shenzhen, Hangzhou, Kunming, and Fujian Such companies in large and medium-sized cities are basically scammers! If you are defrauded, no matter how big or small the amount is, please call the police! If this is so rampant, please call on the local public security agencies to vigorously crack down and rectify it!

Is the loan a loan or a contract?

It is recommended to apply for a loan through formal channels: such as Agricultural Bank of China. The definition of Wangjiedai refers to the cash disbursement by Agricultural Bank of China to individual customers of Agricultural Bank of China who meet specific conditions. It is a small consumer loan that customers can apply for by themselves, receive it quickly, receive automatic approval, and use their credit themselves. Application conditions (1) Basic conditions 1. Be at least 18 years old and not more than 60 years old, have the nationality of the People's Republic of China, and have full capacity for civil conduct. 2. Hold legal and valid identity documents. 3. Be an electronic banking customer of our bank and hold a security certification tool issued by our bank. (Currently only second-generation K-Bao customers are supported) 4. The credit status is good, 5. There is no unexpired "NetJiedai" loan limit, and there is no unsettled "NetJiedai" loan balance. 6. Stable income and the ability to repay credit on schedule. 7. The purpose of the loan is reasonable and clear

The loan limit applied for on Jiedai is 3,000 yuan to 300,000 yuan; the loan limit is valid for 30 days, and the borrower must use the loan within the validity period of the credit limit. The loan limit cannot be applied for on a recurring basis , approval, and loan disbursement can be completed within a few minutes.

Is this a loan?

It is obviously bluffing just to scare you. Even if it is illegal, a Class A arrest warrant will not be issued. . . .

I received a text message saying that I am involved in a loan, what should I do?

When you receive this kind of text message, first of all, don’t panic too much. If you are really suspected, you will definitely have to pay criminal responsibility for it in your future life. But if you If not, you must keep your head calm at all times, so that you can solve this incident with a very good attitude.

Under normal circumstances, if you are indeed suspected, then if you have any consciousness at this time, you should immediately surrender to the public security bureau, and then tell the police all about your crime. , as long as you surrender or admit your mistake with a very good attitude, the police officer will reduce your punishment based on your attitude of admitting your mistake.

And to a certain extent, if the consequences you cause are not very serious and huge, then you can be exempted from some penalties to a certain extent.

But if you think carefully and find that you have not committed any violations or illegal activities, then this text message is likely to be a text message. At this time, you must be more vigilant and do not let yourself fall into the trap. Such traps and traps, so if we panic and have no brains when facing this kind of problem, we are likely to fall into the trap of scammers, resulting in property losses. You can also choose to simply ignore this text message and ignore it. If it continues to harass you, you can handle the matter by calling the police.

The last possibility is that you have taken out a loan online for a long time and the amount you owe is not repaid. If you owe a large amount of money online, and refuse to answer customer service calls for a long time, and do not handle it in time, then the loan platform will take you to court in the name of the loan. At this time, not only Your credit report will be severely affected, and you may even be subject to criminal liability. Therefore, no matter what the situation is, you must keep your eyes open and do not be deceived. If it is your own problem, you should actively solve it. If it has nothing to do with you, you can choose to ignore it.

Is it a scam to receive SMS notifications for consumer finance loans?

It is not necessarily a scam. It may be that the consumer finance platform is marketing to users and inviting users to apply for loans, or it may be that they are simply notifying users to repay. However, when users receive similar text messages, they must pay attention to identify them carefully, because there are many phishing text messages on the market to defraud users of their information and personal funds. It is recommended that users, whether applying or repaying, should operate through officially supported channels and do not click on links sent by the other party at will, as there is a certain risk.

Is it true that the National Anti-Fraud Center sent a text message saying that I was applying for a loan?

Is it true that the National Anti-Fraud Center sent a text message saying that I was applying for a loan? The National Anti-Fraud Center APP is a mobile phone anti-fraud software launched by the Ministry of Public Security. It integrates resource integration, intelligence research and judgment, and investigation and command. It plays an important role in combating, preventing, and managing new illegal crimes such as telecommunications networks. At the same time, users can also report illegal and suspicious telecommunications behaviors online through the National Anti-Fraud Center APP. During the use of mobile phones, if they find suspicious mobile phone numbers, text messages, gambling, phishing websites, APPs and other information, users can report them in the reporting module Make a report, and the backend will promptly block suspicious numbers, etc.

This concludes the introduction to text messages for loan application and personal loan text messages. Have you found the information you need?