Can I report receiving threatening text messages after the deadline?

The police can handle it. If the online loan is overdue, the online loan platform will give priority to collecting borrowers by phone or SMS. If the overdue situation is serious, you can also take the way of door-to-door collection, but you must collect it in a civilized way.

1. Can I call the police if the online loan is overdue for threatening SMS?

The police can handle it. In fact, according to the law, it is illegal for overdue loan collectors to call family and friends for collection. If it is the telephone number of the emergency contact registered by the borrower when handling the loan, you can call; If it is not the reserved phone number of the emergency contact, it cannot be dialed. If the borrower encounters the situation that the collector explodes the address book, he can keep relevant evidence and report it to the public security organ for handling.

Second, how to deal with the overdue behavior of online loans under different circumstances?

1, overdue within three days.

Banks usually have "time tolerance" mechanism. In this case, the borrower only needs to call the bank customer or contact the bank account manager at the counter. If the arrears can be paid off within 1-3 days, the overdue interest and late fees will generally not appear in the credit record.

2, overdue for more than three days

If it is overdue for more than three days, the overdue record is likely to be reported to the credit information system. The borrower needs to ask the lender whether to submit the borrower's credit information. Those that have not been submitted will be repaid in time, and the overdue records are expected to be eliminated. If it has been submitted, the borrower needs to repay the loan in time, and then wait for five years, after which the personal credit will be automatically restored.

3. Will non-malicious overdue affect future loan applications?

If the borrower is not overdue in bad faith, he can ask the bank to issue a "non-malicious overdue certificate". Even if overdue has been recorded, it will not affect future loan applications.

4. Overdue due to other reasons.

3. What conditions can online loan fraud meet before an incidental civil action can be filed?

(1) The public prosecutor meets the statutory requirements;

(2) Having a clear defendant;

(3) Having specific requirements, facts and reasons for claiming compensation;

(4) It falls within the scope of the people's courts accepting incidental civil actions.

This includes fake loans, secured loans, etc. If the personal information is incorrect, you can apply for objection to the relevant outlets of the People's Bank of China. If the repayment is overdue for non-personal reasons, the bad records will be eliminated. If the guarantee is overdue, there is no other way to urge the parties to repay as soon as possible.

If you receive threatening text messages or threatening phone calls from the platform because of overdue online loans, then the parties can collect relevant evidence and choose to call the police in time. Because the online loan platform collection must adopt civilized means and cannot cause harassment or threat to the parties, otherwise it is illegal.