I have no online loan. Why do you say I owe money?

Why does the loan keep texting me that I am in loans overdue? I didn't borrow the loan.

First, why did the loan always come to text me that I was in loans overdue, and I didn't get a loan?

In this case, it is very likely that the liar sent a text message to defraud. You can see if he has continued to contact you. In addition, you should consider whether your identity information may be stolen by others. At present, the relevant procedures for loans are very strict. As long as there is no loan operation, you can definitely check it.

Second, overdue loans.

Overdue loans are also called "overdue loans" or "overdue loans". Refers to the part of the loan that has not been paid off within the repayment period stipulated in the contract, which is transferred to the overdue loan account from the overdue date, and the words "overdue loan" are marked on the header of the loan account.

According to the national loan regulations, if the principal and interest cannot be repaid on schedule, it shall be repaid with the retained basic depreciation fund, enterprise fund or profit, and shall not be squeezed into costs, taxes or 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.

Second, the calculation method of overdue loan interest

1, according to the interest rate agreement within the contract period.

Within the performance period agreed in the loan contract, as long as it does not violate the provisions of the People's Bank of China on the upper and lower limits of the loan interest rate of financial institutions, and private lending is not higher than 4 times the bank loan interest rate, the interest paid by the borrower can be used to calculate the overdue interest of overdue loans according to the interest rate agreement.

2. Calculate the interest according to the relevant provisions of the People's Bank of China.

This interest-bearing method still abides by the original loan interest rate during the performance of the loan contract, and the overdue interest in installments is not calculated when the interest rate is adjusted. For the interest rate of overdue loans, the overdue interest shall be collected by installments according to the interest rate adjusted in different periods determined by the People's Bank of China, and the overdue interest shall be collected by default interest according to a certain proportion, or by installments according to the default interest rate determined by the People's Bank of China.

I have never made a financial loan with Zhaopin. Why did you call and say I owe money? What should I do?

It is very likely that your personal information was leaked, so someone used your personal information to borrow money from this financial institution.

So I think you should really find out where your personal information was leaked at this time and ask your family if they used your personal information to borrow money.

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1. If your family's answer is no, you should report to the public security bureau. Because if you don't pay back the money, your personal credit will be problematic and your loan will be affected. So I think you should go to the public security bureau to solve these loans. Tell the public security bureau that you didn't answer it yourself, but someone answered it with your information. Then you can get out of trouble.

Even if this financial institution wants to pay back the money, it can't find you. But also find the suspect in the room. Many people's personal information is leaked, and some people will ask for money back. So be sure to protect your personal information and never let them leak it out.

3. There will be some swindlers. They even make a website and then trick people into entering personal information. I think the website that allows people to input personal information must be a big company like Alipay or WeChat to have credit. If other companies ask you to input these things, you must think about it.

4. Especially some small apps, don't enter personal information on them. If you enter it, it may really be leaked, and others will use your identity information to register micro-loan products. Maybe you'll be in huge debt then. So we still can't reveal our information, so we should be careful. Especially some unknown websites, don't go to that website, and you can't enter bank card information or ID card information on it. Then you can't download some unknown apps and let them get some permissions on your mobile phone. Especially some unknown websites, don't go to that website, and you can't enter bank card information or ID card information on it. Then you can't download some unknown apps and let them get some permissions on your mobile phone.

Hangzhou, Zhejiang 057 1 Call me and say that the arrears are overdue. I know my name, but there is no loan. What happened?

In this case, it may be that an online loan has been forgotten after the deadline, or it may be a fraudulent phone call. Ignore it.

1. If personal information is leaked and you are worried about being loaned, you can check your online loan big data report to see if your ID card and mobile phone number have been loaned, if there is any overdue record of online loans, and see if your online loan black index is normal.

The online loan big data report found in the forward inquiry service has detailed data such as online loan history, dishonesty and liabilities. Just find this official WeChat account.

2. If you don't want to go to trouble and are not afraid to miss strange calls, the easiest way is to set the harassment-free function of strange numbers on your mobile phone, so as long as you are not a friend of your address book, it will be automatically blocked, but it will have an impact on your life.

3. If the circumstances are serious, you can also complain to the Mutual Gold Association. The direct manager of the online lending platform is the Mutual Gold Association. For violent collection, the Mutual Gold Association clearly stipulates that it is not allowed. Whether you know the borrower or not, the collector has no right to harass you by phone.

Extended data:

Those who have not borrowed money from online lenders are also inexplicably collected by online lending platforms. These harassed people usually have several common characteristics:

1, a friend in the address book borrowed an online loan and left a phone number.

2. Register on some bad websites with your mobile phone number and be used maliciously by a third party.

The mobile phone was once lent to an unfamiliar person.

Why is there always news that I am in loans overdue, and I don't have a credit card?

If you don't apply for a loan, but you receive overdue information, it may be because the lending institution sent the wrong information, or someone else filled in the user's mobile phone number when applying for a loan. The former is because lending institutions send text messages in groups, so sometimes mistakes may be made. The latter requires the user to contact the lending institution, explaining that others have filled in the wrong mobile phone number, and let the lending institution delete their mobile phone number, so that they will not receive SMS again.

Generally speaking, the user has registered a loan account, and as long as the account is not cancelled, it is possible to receive information from the following lending institutions. As long as you are sure that you have not applied for a loan, the received SMS can be ignored directly. However, there is a special situation, that is, the loan applied by the user is lent by other financial institutions, so the received SMS may be sent by financial institutions, not loans.

At this time, the user's loans overdue is over, and financial institutions will send short messages for collection, while loan products will not send short messages. Users must carefully check whether their loans are overdue after receiving such short messages.

What should I do if I receive overdue information for no reason?

Can be handled according to different situations:

1. It is possible that the information has been stolen. When it is clear that you have not borrowed money, but you do owe a certain amount of money, you need to call the police to solve the debt dispute.

2. If the information is not stolen, it may be that a friend owes an online loan, so you need to call to check whether the friend owes a loan.

3. It is also possible that you visited the loan website, which led to the disclosure of personal information. You should be more cautious when dealing with similar incidents.

The user did not apply for a loan, but received overdue information. This may be because the lending institution sent the wrong information, or someone else filled in the user's mobile phone number when applying for a loan. The former is because lending institutions send text messages in groups, so sometimes mistakes may be made. The latter requires the user to contact the lending institution, explaining that others have filled in the wrong mobile phone number, and let the lending institution delete their mobile phone number, so that they will not receive SMS again.

Generally speaking, the user has registered a loan account, and as long as the account is not cancelled, it is possible to receive information from the following lending institutions. As long as you are sure that you have not applied for a loan, the received SMS can be ignored directly. However, there is a special situation, that is, the loan applied by the user is lent by other financial institutions, so the received SMS may be sent by financial institutions, not loans.