How about canceling the subscription by texting T back the loan?

Don't worry about him, you can even just blacken it. The consequences of this are all borne by the merchants, and have nothing to do with the users. 2015 The Regulations on the Management of Communication Short Message Service, which came into effect on June 30th, clearly stipulates that merchants send short messages:

1. Merchants need the user's consent when sending advertising information, otherwise they can't send it next time.

Short message service providers and short message content providers shall not send commercial short messages to users without their consent or request.

SMS service providers mainly refer to mobile, China Unicom and telecom companies, while SMS content providers mainly refer to enterprises, companies or organizations that provide products or services. At present, it is mainly credit card providers such as banks and online lending platforms.

2. If the user explicitly refuses to receive commercial advertisement short messages, it shall stop sending them.

The Regulations on the Management of Communication Short Message Service clearly stipulates the clear frequency and time limit for merchants to send advertising information. If the user does not reply, it will be considered that the user refuses to receive the information. Once the user explicitly refuses or fails to reply, he can't send a short message with the same or similar content again.

The clause also clearly stipulates that telecom operators (China Mobile, China Unicom and Telecom Company) have the right to verify whether users are willing to receive short messages. At present, telecom operators simply do not bear this responsibility.

Faced with the message that can't be unsubscribed, it brings troubles and harassment to life, and users can't solve it by themselves. The country has laws and regulations in this regard, why can't it be solved? Mainly unsupervised. For this kind of short message, unsubscribing back to T doesn't work at all, and "unsubscribing back to T" is a decoration. Why? These platforms send advertising information to potential users. If he wants to promote himself, he will advertise endlessly. If you unsubscribe from T, he will ignore you directly, even if the user replies to T hundreds or thousands of times. In the face of such short messages, users had better ignore them or simply blacken them.