Why is there a debt call without a loan?

Why do you receive a reminder message that there is no loan?

Possible reasons for receiving a reminder message without a loan:

1. Your mobile phone number is bound to a bank card or a third-party platform by someone who has used it before, and the other party has a loan. The collection SMS is sent to the bound mobile phone number.

2. There are also loans from different places. In order to contact you, the third party collects collection messages from other channels.

3. Personal information leaked, someone borrowed money in your name, and it was overdue after borrowing.

Extended data:

In the case of personal information disclosure, we can take the following three forms:

1. Once information is leaked, the individual has the right to immediately ask the network service provider to delete relevant information or take other necessary measures to stop it.

2. Individuals can also make complaints and reports to public security departments, Internet management departments, industrial and commercial departments, consumer associations, industry management departments and relevant institutions.

3. The China Internet Illegal and Bad Information Reporting Center under the National Network Information Office also accepts and handles public reports of illegal and bad information.

Legal basis: Article 1034 of the Civil Code of People's Republic of China (PRC) protects the personal information of natural persons. The privacy information in personal information shall be subject to the provisions on privacy; If there are no provisions, the provisions on the protection of personal information shall apply.

The personal information of natural persons is protected by law, and no organization or individual may infringe upon it. If personal information is leaked, you can ask it to bear tort liability.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 1034 The personal information of natural persons is protected by law.

Personal information is all kinds of information recorded electronically or in other ways that can identify a specific natural person alone or in combination with other information, including natural person's name, date of birth, ID number, biometric information, address, telephone number, e-mail address, health information, whereabouts information, etc.

The privacy information in personal information shall be subject to the provisions on privacy; If there are no provisions, the provisions on the protection of personal information shall apply.

Article 1035 The handling of personal information shall follow the principles of legality, justice and necessity, and shall not be over-handled, and meet the following conditions:

(1) Obtaining the consent of the natural person or his guardian, except as otherwise provided by laws and administrative regulations;

(2) Rules for publicly handling information;

(3) Clearly explain the purpose, mode and scope of information processing;

(four) does not violate the provisions of laws and administrative regulations and the agreement between the two parties.

The processing of personal information includes the collection, storage, use, processing, transmission, provision and disclosure of personal information.

Why is there a debt call without a loan?

First of all, confirm with the collection whether you owe money or friends around you owe money. If you owe money, ask which platform it is from, how much money you borrowed, how long it is overdue, etc. Collect this information and see if you borrowed it yourself. If not, you can choose to call the police.

If friends around you owe money, it is normal to call you, because friends use your phone as a contact.

Microfinance

I. Review risks

The emergence of loan risk often begins at the stage of loan review. Based on the disputes in judicial practice, we can see that the risks in the loan review stage mainly appear in the following links.

(1) The loan examiner of the bank was omitted from the review content, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.

(2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, lacking due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk.

(3) Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.

Second, the legal content of the pre-loan investigation

(1) Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification.

(2) Regarding the credit standing of the borrower, check whether the registered capital of the borrower is suitable for loans; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.

(3) Regarding the borrower's loan situation, whether the borrower has opened basic account and general deposit accounts in accordance with relevant laws and regulations; Whether the foreign investment of the borrower (such as a company) exceeds 50% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender;

(4) Regarding the guarantee, if it is a guarantee, the qualification, reputation and performance ability of the guarantor shall be investigated.

I didn't borrow money from the platform What happened when a collection in Wuhan called me today?

Personal identity disclosure and other reasons.

Specific reasons:

1. Personal identity information was leaked, and someone stole the information and borrowed money under a pseudonym. It is precisely because the other party filled in his own information when borrowing, so after the other party failed to repay, the loan platform naturally found itself according to the information.

2. I made a guarantee for the loan borrowed by my relatives and friends, but the loan platform could not contact the borrower for repayment. Naturally, I will find a guarantor to assume the guarantee responsibility and repay the loan on behalf of the borrower.

3. Some relatives and friends provide their contact information to the loan platform as emergency contacts when they borrow money. Because relatives and friends who have repeatedly collected loans from the loan platform failed to repay, they found themselves as their emergency contacts.

4. Some fraudsters make dunning calls in the name of the loan platform, and then defraud money on the grounds that the dunning is overdue. In this regard, we must not easily pay back the money to each other. We should check it ourselves. If you really find that you have arrears, you should also repay them through formal repayment channels.