What should I do if I receive a text message from loans overdue for no reason?

1. What should I do if I receive overdue information without reason?

Can be handled according to different situations:

1. It is possible that the information has been stolen. When it is clear that you have not borrowed money, but you do owe a certain amount of money, you need to call the police to solve the debt dispute.

2. If the information is not stolen, it may be that a friend owes an online loan, so you need to call to check whether the friend owes a loan.

3. It is also possible that you visited the loan website, which led to the disclosure of personal information. You should be more cautious when dealing with similar incidents.

The user did not apply for a loan, but received overdue information. This may be because the lending institution sent the wrong information, or someone else filled in the user's mobile phone number when applying for a loan. The former is because lending institutions send text messages in groups, so sometimes mistakes may be made. The latter requires the user to contact the lending institution, explaining that others have filled in the wrong mobile phone number, and let the lending institution delete their mobile phone number, so that they will not receive SMS again.

Generally speaking, the user has registered a loan account, and as long as the account is not cancelled, it is possible to receive information from the following lending institutions. As long as you are sure that you have not applied for a loan, the received SMS can be ignored directly. However, there is a special situation, that is, the loan applied by the user is lent by other financial institutions, so the received SMS may be sent by financial institutions, not loans.

Second, how to calculate the overdue interest of online loans

There is an agreement on the overdue interest of online loans, but the agreement cannot exceed 24% of the annual interest rate, and the excess is invalid; If there is no agreement, the lender cannot be required to pay the expected liquidated damages. If the borrower and the lender have an agreement on overdue interest rate, such agreement shall prevail, but the annual interest rate shall not exceed 24%. If the overdue interest rate is not agreed or clearly agreed, the people's court may handle it according to different circumstances:

1. The lender claims that the borrower should pay the interest during the period of capital occupation at the annual interest rate of 6% from the date of overdue repayment. As the interest rate during the loan period is not agreed, the people's court should support it.

2. If the interest rate during the loan period is agreed, but the overdue interest rate is not agreed, the people's court shall support the lender's claim that the borrower shall pay the interest during the occupation period according to the interest rate during the loan period from the date of overdue repayment.

You can call the police if you don't borrow online loans but receive overdue online loans. If there is a clear agreement on overdue interest before borrowing and lending, it can be implemented in accordance with the agreement; If there is no agreement in the loan contract, it shall be decided according to the actual situation. Overdue online loans are civil disputes and need to be resolved through civil means. You can negotiate with the lending institution to apply for deferred repayment, or you can go through the formalities of installment repayment.