What does it mean when a text message saying risk review and control was sent when the car loan was overdue?

1. What does it mean when a text message says risk control is sent when the car loan is overdue?

It means it is overdue

Adopt my answer. .

2. What does it mean to send a message saying to control the car after the car loan is overdue?

It means to lock the vehicle to cut off power, fuel, etc. If the car loan is overdue, some loan companies will use GPS to remotely control the vehicle, lock the vehicle, and cut off power and fuel. This kind of GPS is realized by electromagnetic signals interfering with the key signals.

3. What does it mean when a friend texts me that his loan is overdue?

Two situations. One situation is that when a friend gets a loan, you need to verify to see if the mobile phone number he reserved when he applied for the loan is yours. If so, the bank will send a text message to you. Another situation is that if a friend sends you a text message when his loan is overdue, he may want you to help pay off his debt.

Supplementary information:

1. After maturity, the borrower fails to apply for the loan to the bank that issued the loan according to the loan time limit stipulated in the loan contract without going through the relevant extension or re-loan procedures. Return the loan principal and interest, thereby causing the loan to exceed the agreed period.

2. The emergency contact person written by someone else for the loan will not have any impact on the emergency contact person, let alone the personal credit report. Cause impact, end. Because the loan was not borrowed by the emergency contact, neither the emergency contact nor the emergency contact has any legal responsibility, not to mention that it will affect the personal credit report.

However, the loan platform will call the emergency contact and ask for help in contacting the borrower, or threaten the emergency contact that if the borrower fails to repay, the emergency contact will help repay the debt. to emergency contacts. If you accidentally become someone else's emergency loan contact, avoid being harassed by installing blocking software to automatically block unfamiliar numbers.

3. Generally, if the application is overdue, the emergency contact may be contacted.

During the construction period, you will face:

1. Bear high costs

For overdue fees, different online loan platforms call it overdue penalty interest, overdue management, or other There are all kinds of names. If you can collect the money and repay it on time, don't overdue it.

2. Accept the platform’s fancy debt collection.

Collection is generally divided into three stages: the first stage, just a few days overdue, the platform customer service MM whispers and warmly reminds you that it is overdue, please repay on time; the second stage, overdue For a long time, the platform customer service seriously warned that if the deadline is exceeded again, serious consequences will be faced; in the third stage, when the deadline is very long, actual actions will begin.

There are many types of actual actions, such as: Platform Pushing your debt information to your relatives and friends will make you lose face in your circle of friends; the platform arranges dedicated collection personnel to come to collect collection and communicate face to face. Some platforms outsource debt collection to outsourcing companies for collection. Some time ago, there were reports of “violent debt collection” by debt collection companies. I believe

3. Facing a national crisis of trust.

Now online loan platforms have established a blacklist system, and the blacklist platforms have begun to communicate with each other. I borrowed money from a platform and failed to repay it overdue. In addition, online lending platforms will publicize the blacklist through their own online channels such as WeChat and Weibo, and even on large screens at train stations and airports. Let the people across the country know that these "old people" borrow money and refuse to repay it! Of course, except for those who owe money maliciously, ordinary borrowers will not go to this step.

4

At present, most online loan platforms have not yet connected to the People’s Bank of China’s credit system, but it has become an inevitable trend to connect to the People’s Bank of China’s credit system. In the future, overdue loans from online loan platforms will be recorded in the People's Bank of China just like overdue bank loans and credit cards. If I say what I said before, then the stain on your credit report will affect your real life. If you want to buy a house, you won’t be able to get a loan, if you want to buy a car, you won’t be able to get a mortgage, etc.

5. The defendant goes to court.

If the loan is overdue for a long time or deliberately fails to repay, and the amount exceeds 2,000, it can already constitute a crime and there is a risk of being taken to court by the online loan platform. Once the online lending platform wins the lawsuit, the borrower will not only have to pay the required repayment, but also have to pay both parties’ litigation costs and huge fines, and may even face jail time.