What should I do if I receive a loan call every day from my friend who owes money?

My friend who took out an online loan and refused to return my phone number harassed me every day

Generally speaking, people who receive such calls are willing to help and tell them, but there is really nothing they can do. They collect money and harass them very hard. You, you can tell him that I recorded the conversation. If you insist on causing trouble for me, I will call the police. Generally speaking, after hearing this, the debt collector will not contact you again. If you still contact you, you can complain to the regulatory authorities. Nowadays, regulatory authorities are still very cautious about cash loans. If you can contact the borrower, you can ask him to repay the loan, and ask him to stop using you as an emergency contact. Most people will be embarrassed to do this again after hearing this. What should I do if I receive overdue loan information from others?

You can clearly inform the collection platform or third-party collection, indicating that your non-emergency contact person does not know the situation, and ask to stop the harassment or handle the complaint. Because when applying for a loan, it is generally necessary to leave emergency contact information. If the user is identified without knowing it or involuntarily, it is recommended to make it clear when reviewing the callback call to avoid subsequent borrowers not being able to respond. cause adverse effects on oneself.

Although the emergency contact is not a guarantor and does not need to be responsible for the user's repayment, once the other party is overdue, he is likely to receive harassing calls, text messages, etc. for collection. At the same time, if the contact later wants to apply for a loan on the same platform, he may not pass the review because of this. The risk is considered high and the loan is likely to be overdue. Therefore, you need to think carefully before agreeing as a contact.

Of course, during the process of being contacted for debt collection, if the other party behaves excessively, such as insults, threats, etc., you can keep relevant evidence and call the police.

If you always receive overdue loan information:

It may be a scam. Do not believe it. If you receive the information, you can call the official customer service or payment platform to check it. They You will be told to go ahead or you can call the police directly.

If it is not spam messages caused by some places selling information, such as the situation with this mobile phone number, it is considered 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 branch to find out the matter, otherwise it will be shown on your credit record once it is overdue.

If you have not handled this type of loan yourself, you can ignore it. If there is text message harassment in the future, you can directly report it to the case. If you are not sure whether to apply for a loan, you can directly check your personal credit report to see if the loan information exists on it. What should I do if my friend refuses to repay an online loan and is harassed by debt collection calls?

With the development of science and technology and the progress of society, many young people now have higher and higher demands for material things. But some young people start to take out online loans in order to save face in front of their friends. But everyone must borrow online loans based on their own financial strength, so as not to be unable to pay back in the end. Some ignorant college students start to borrow campus loans in order to buy things they like. In fact, campus loans are very dangerous. On the surface, there is no interest, but in fact, the interest rate behind it is extremely high. Therefore, when taking out a loan, you must discuss it with your family and do not take out the loan alone. So what should I do if my friend borrows an online loan and refuses to repay it, and harasses me with debt collection calls?

1. Explain the relevant situation

If you are waiting for a debt collection call to come back again, you can explain the relevant situation to the debt collector. I did not borrow an online loan, so the debt collector has no right to harass me every day. If you really want to repay the loan, you can contact your friend's parents or guardian. As a friend, you have no obligation to help him repay the loan. In today's society, although friends are very important, friends are not obliged to help you pay back your money.

2. Tell your friend’s relatives

After you understand this situation, you should truthfully tell your friend’s situation to his relatives and friends. I believe that his relatives and friends will find a solution. Help him pay back the money. Debt collection calls should be made to his parents or relatives and friends as soon as possible, not to friends. In today's legal society, repaying debts is a matter of course.

If a friend fails to pay back the money within the stipulated time, he may be blacklisted.

3. Call the police

You have no right to harass yourself every day with debt collection calls. After all, it is not the money you borrowed. If someone really harasses you every day, you can also choose to call the police. I believe the police will give everyone a fair explanation. And be sure to advise your friends to repay the money on time within the stipulated time. In the big data of the Internet, if you cannot repay the money on time, you may be defined as a deadbeat. What should I do if my friend keeps calling me to collect debts when his loan is overdue?

A friend's loan is overdue, and the user's mobile phone is always called by debt collectors. The user can remind the friend to repay the loan as soon as possible. As long as the friend performs the repayment operation, even if the debt is not paid off, the user will No more debt collection calls. If the user's mobile phone number is set as a contact number by a friend, then when the friend's loan is overdue and the user fails to repay the loan, the user may receive a collection call.

Since debt collectors will make debt collection calls through Internet dial-up software, blocking a single number will have no effect. You can only ask your friends to repay as soon as possible, so that the frequency of collection will be reduced, and even the collection personnel will stop continuing to collect. If a friend is unable to repay the loan, he or she can apply to the loan institution for negotiated repayment. After the negotiation is successful, the loan can be repaid according to the negotiated agreement. If the negotiation fails, the overdue debt must be paid off as soon as possible.

When a friend's loan is overdue, the user receives a collection call. The collection call will only affect the user's daily life and will not affect the user's personal credit report.