What should I do if I have not used online loans but have received overdue text messages?

What happened when I received overdue information without a loan?

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.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.

Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of the Law on Commercial Banks stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

Repayment method:

1. Equal repayment of principal and interest: that is, the sum of loan principal and interest is repaid by equal monthly repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

2. average capital Repayment Method: A repayment method in which the borrower repays the loan in every installment (month) and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

3. Pay interest and repay the principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [loans with a term of less than one year (including one year)], and the loan bears interest on a daily basis, and the interest is repaid on a monthly basis;

4. Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

5. Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.

6. Borrow and pay back: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.

What should I do if I receive a text message from loans overdue for no reason?

1. What should I do if I receive overdue information without 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.

Second, how to calculate the overdue interest of online loans

There is an agreement on the overdue interest of online loans, but the agreement cannot exceed 24% of the annual interest rate, and the excess is invalid; If there is no agreement, the lender cannot be required to pay the expected liquidated damages. If the borrower and the lender have an agreement on overdue interest rate, such agreement shall prevail, but the annual interest rate shall not exceed 24%. If the overdue interest rate is not agreed or clearly agreed, the people's court may handle it according to different circumstances:

1. The lender claims that the borrower should pay the interest during the period of capital occupation at the annual interest rate of 6% from the date of overdue repayment. As the interest rate during the loan period is not agreed, the people's court should support it.

2. If the interest rate during the loan period is agreed, but the overdue interest rate is not agreed, the people's court shall support the lender to claim that the borrower shall pay the interest during the capital occupation according to the interest rate during the loan period from the date of overdue repayment.

You can call the police if you don't borrow online loans but receive overdue online loans. If there is a clear agreement on overdue interest before borrowing and lending, it can be implemented in accordance with the agreement; If there is no agreement in the loan contract, it shall be decided according to the actual situation. Overdue online loans are civil disputes and need to be resolved through civil means. You can negotiate with the lending institution to apply for deferred repayment, or you can go through the formalities of installment repayment.

Why did I receive a message from loans overdue without a loan? What should I do?

If you receive a text message without a loan, the first thing to do is to identify the authenticity of the text message. Secondly, users should think about whether they have borrowed it for a long time and forgotten it. If not, it is most likely the following three situations:

1, loan fraud: Many fraud gangs will use the borrower's information to send loans overdue's short message, which will contain the phone number and contact information; If the user does not have a loan, don't call or click on the link to avoid being cheated;

2. Change the mobile phone number: the mobile phone number used by the user was used by the previous lender, but the mobile phone number was not changed in time after the change, and the lender will still send a loan message to this number;

3. Verify the information: If the user's name is mentioned in the short message, the user can check where the loan is made through the personal credit report, or check the bank flow if there is no credit report. If not, don't worry;

I received a text message saying it was overdue and never borrowed it. What should I do?

If you don't borrow money, don't worry. Usually fraudulent phone calls.

Extended data

legal interpretation

It is said that this message is a fraud message. Liars usually add a sentence before the virus program link to induce you to click on the URL link to download and install it. This Trojan virus is very harmful. Once infected with this virus, it will automatically send text messages to friends in the phone address book. If the mobile phone is bound with online banking or Alipay, personal information such as passwords may be stolen, resulting in property losses.

Some people in the legal profession pointed out that it is deceptive and harmful to society to use mobile phone users to reduce their prevention psychology when they encounter SMS fraud, which should constitute fraud. Citizens should call the police.

According to Article 266 of the Criminal Law, whoever defrauds public or private property shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also or only be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 3 years 10 years and fined; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 or life imprisonment, and shall also be fined or confiscated.

If the crime of fraud is constituted, the starting point of punishment can be determined within the corresponding range according to the following different situations:

If the amount reaches a large starting point, it can be determined within the range of 3 months of criminal detention to 6 months of fixed-term imprisonment; Starting point of sentencing. If the amount reaches a huge starting point or there are other serious circumstances, the starting point of hanging can be determined within the range of fixed-term imprisonment of not less than three years but not more than four years. If the amount reaches a particularly huge starting point or there are other particularly serious circumstances, the starting point of sentencing can be determined within the range of fixed-term imprisonment 10 to 12 years. Except for those who should be sentenced to life imprisonment according to law.

On the basis of the starting point of the maximum punishment, the amount of punishment can be increased according to the amount of crimes that affect the composition of crimes such as fraud, and the benchmark punishment can be determined.

First of all, the key to dealing with all kinds of SMS fraud is to be vigilant and not to trust the information sent by strangers easily.

Secondly, don't easily reveal your family status and contact information to strangers, and beware of falling into the scam set by criminals. In social interaction, we must leave a "bottom line" for ourselves, and don't give everything to "new friends".

Finally, citizens should not trust all kinds of offers, especially unfamiliar text messages, let alone reply easily. If you are cheated by receiving illegal text messages, you should pay attention to retaining relevant evidence.

Remind everyone again that it is the best way to receive a fraudulent SMS alarm.