Loans overdue, why did I receive the text message?

You can clearly tell the collection platform or the third party to collect, explain that your non-emergency contact person is not clear about the situation, and ask to stop harassing or handle complaints. Because when applying for a loan, you usually need to leave emergency contact information. If the user is identified unwittingly or involuntarily, it is recommended to make it clear when reviewing the call back, so as to avoid the subsequent borrowers from adversely affecting themselves.

Although the emergency contact is not a guarantor and does not need to be responsible for the repayment of the user, once the other party is overdue, it is likely to receive harassing calls and text messages. At the same time, if the contact person wants to apply for a loan on the same platform in the future, it may not pass the examination, thinking that the risk is greater and it is likely to be overdue. Therefore, when you are a contact, you need to think carefully before you agree.

Of course, in the process of being contacted, if the other party has excessive behavior, such as abuse, threats, etc. , you can keep relevant evidence for alarm processing.

If you always hear from loans overdue:

It may be fraudulent information. Don't believe it, if you receive the information, you can call the official customer service and payment platform to inquire. They will tell you first or call the police directly.

If the spam caused by selling information in some places, such as this mobile phone number, is not serious and needs to be clarified as soon as possible. It is very likely that someone else has stolen your information. You can contact the customer of this bank or go directly to the outlet to clarify this matter, otherwise it will appear on your credit record once it is overdue.

If you haven't applied for a loan yourself, you can ignore it. If there is text message harassment later, you can report it directly. If you are not sure whether to apply for loan information, you can directly check your personal credit information to see if there is such loan information on it.

What about going to loans overdue?

1. If it is really unable to repay, it shall negotiate with the lending institution to extend the repayment period or repay by installments.

2. If the lending institution fails to perform the judgment of the court within the performance period after suing the court and winning the case, it will apply to the court for enforcement.

3. When accepting enforcement, the court will inquire about the real estate, vehicles, securities and deposits in the name of the lender according to law.

4. If the lender refuses to perform the effective judgment of the court because there is no enforceable property under his name, negative information such as overdue repayment will be recorded in the personal credit report, which will restrict high consumption and entry and exit, and may even lead to judicial custody.