There are always reminders in other people's names. What should I do?

I got a short message from loans overdue with someone else's name.

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 should I do if I always receive dunning information from others?

You can directly block the collection message or contact the platform official according to the guidelines, stating that you are not a borrower and cannot contact the borrower. As long as the situation is clearly stated, the general collection platform will not send it again. If you continue to harass, you can complain.

Overdue loans are also called "overdue loans" or "overdue loans". Refers to the unpaid part of the loan within the repayment period stipulated in the contract. From the date of overdue, transfer to the overdue loan account, and indicate the words "overdue loan" in the header of the loan account.

In order to urge the loan unit to return the overdue loan as soon as possible, 20% interest will be charged on the overdue part. According to the national loan regulations, if the principal and interest cannot be repaid on schedule, it shall be returned with the retained basic depreciation fund, enterprise fund or retained profit, and shall not be squeezed into the cost, occupy taxes or collect profits.

According to the relevant provisions of the Contract Law, the borrower fails to repay the loan within the time limit stipulated in the loan contract, which is a breach of contract and should bear the liability for breach of contract. The ways to bear the liability for breach of contract include returning the loan principal, paying the interest during the loan period agreed in the contract and paying the interest of loans overdue.

Repaying the loan principal and paying interest within the loan period agreed in the contract will generally not cause disputes because the parties have clearly agreed in the loan contract; There is a great dispute between the parties about the interest on overdue loans, and the standards applied by judges in hearing such cases are not uniform, which affects the authority of the law. Lawyers believe that it is necessary to integrate this issue so that everyone's understanding can be unified.

The funds invested by banks in such loans may or may not be recovered in the future. There is a great possibility of losses, and commercial banks usually have to impose a penalty interest on such loans. Overdue loans are the problem assets of banks. Commercial banks should maintain a high capital reserve, and the reserve ratio is generally 50%.

The overdue loan ratio is used to reflect the repayment of loans on schedule, and to reflect the efficiency of loan and asset risk procedures from the perspective of whether they are repaid on schedule. The purpose of monitoring the overdue loan ratio is to promote banks to properly handle overdue loans as soon as possible.

If an enterprise fails to repay a loan due, it will have a bad influence on the credit of the enterprise, and then affect the refinancing of the enterprise in the whole bank credit system.

What should I do if I receive the news of malicious collection?

1, call 1232 1 Network Bad and Spam Reporting Acceptance Center. This platform is a complaint institution, which specializes in complaining about bad and illegal SMS harassment, phone explosion and so on. If you encounter malicious SMS harassment, you can search this platform on Baidu, submit the mobile phone number you want to report according to the relevant prompts, and then the platform will deal with it immediately. If the report is successful, your harassed mobile phone number will no longer exist.

2. China Internet Finance Association. This platform was established by several related departments of the Board of Supervisors. I heard that it is specialized in supervising every move of the Internet financial platform. Moreover, this is more authoritative. If you encounter malicious collection of online loans, you can report it to this platform. The specific reporting method is to click on the complaint on the homepage of this platform, enter the message page, write down the person or time of the complaint, then upload relevant evidence, and finally write down the name information.

3. Collect complaints. This platform is the largest public online complaint service platform in China. There are not many people who feedback online loan violations on this platform. If you encounter violent collection of online loans, you only need to submit relevant evidence. You'd better write down the relevant complaints and your own relevant information by the way, so that the platform can get a better and more comprehensive understanding, and then it can be accepted quickly, which improves the timeliness of reporting. The reporting method of this platform needs to be carried out by telephone at 020-382553 15.

4. CBRC. This CBRC will have this official website all over the country. As long as you search for a city in Baidu and add the CBRC, you can find official website, go in, and then call the relevant reporting phone number, or find the reporting channel on the platform, fill in personal basic information and complaints, and finally know the feedback information.

Knowledge expansion;

Definition and legal basis of malicious collection;

1. Definition of malicious collection: collection from 8 am to 9 pm. 2. Calling or texting more than 3 times on the same day. 3. Harass family and friends. 4. Send postcards to collect debts. 5. Threaten or coerce by blocking the door, splashing ink, brushing big characters, sitting still, etc. In the debtor's home, it is a violent collection. 6. Publicly abusing borrowers, writing and typing, hanging banners and attacking debtors are all violent collections. 7. Damage the reputation, spread the borrower's personal privacy through the Internet, and even spread indecent photos of PS, then it is violent collection. 8. Detention, beating, detention, beating the borrower and his family, which causes harm to the borrower's spirit and body, is not only a violent collection, but also a very serious crime. According to relevant laws, anyone who illegally detains others or illegally deprives others of their personal freedom by other means shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention, public surveillance or deprivation of political rights. Those who are beaten or insulted shall be given a heavier punishment. Whoever commits the crime mentioned in the preceding paragraph and causes serious injuries shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years;

Whoever causes death shall be sentenced to fixed-term imprisonment of not less than ten years. Whoever uses violence to cause disability or death shall be convicted and punished in accordance with the provisions of Articles 234 and 232 of this Law. Whoever illegally detains another person or detains another person in order to claim debts shall be punished in accordance with the provisions of the preceding two paragraphs. Any functionary of a state organ who commits the crimes mentioned in the preceding three paragraphs by taking advantage of his power shall be given a heavier punishment in accordance with the provisions of the preceding three paragraphs.

2, the legal basis for the definition of malicious collection:

Article 238 of the Criminal Law of People's Republic of China (PRC) shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention, public surveillance or deprivation of political rights. Those who are beaten or insulted shall be given a heavier punishment. Whoever commits the crime mentioned in the preceding paragraph and causes serious injuries shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years;

Whoever causes death shall be sentenced to fixed-term imprisonment of not less than ten years. Whoever uses violence to cause disability or death shall be convicted and punished in accordance with the provisions of Articles 234 and 232 of this Law. Whoever illegally detains another person or detains another person in order to claim debts shall be punished in accordance with the provisions of the preceding two paragraphs. Any functionary of a state organ who commits the crimes mentioned in the preceding three paragraphs by taking advantage of his power shall be given a heavier punishment in accordance with the provisions of the preceding three paragraphs.

I received a reminder message with someone else's name for no reason. Why did you call and say it wasn't me?

If you receive a reminder message with someone else's name for no reason, you can directly tell the other party that the borrower has filled in the wrong number. If the other party continues to call for payment, you can black out the other party's number.