Leave me the contact information of someone else's loan

How to solve the problem that people always call me when they leave my mobile phone number and have a loan?

If someone else leaves their mobile phone number, which causes the lending institution/platform to always call themselves, it is suggested to do the following:

1. After receiving the dunning call from the lending institution/platform again, directly inform the other party of the actual situation, explain that I didn't make the loan, and provide some data to prove it, and then apply for immediate dissolution of the loan relationship, so that the other party can pay back the money from the person who impersonates the loan, without having to bear the repayment responsibility.

2. If the lending institution/platform turns a blind eye to its own explanation, continues to run away to collect money, or even adopts violence, threats, intimidation and other means, it can collect relevant evidence and report it to the local CBRC or China Internet Finance Association, or report it to the local public security department for handling if necessary, or file a lawsuit with the local people.

It should also be noted that if personal credit/big data records bad information, you can file a complaint and apply to delete the bad record after finding a loan institution/platform to solve it.

Does it affect me to leave my phone number with someone else for a loan?

It may have an impact.

If your mobile phone number is leaked and reserved for lending institutions and platforms when others apply for loans, it may have a certain impact.

Because in loans overdue, platforms and institutions will often call the borrower himself according to the phone number reserved by the borrower to remind the other party of repayment. Therefore, once your number is used when someone else applies for a loan, when the other party does not repay the loan, you are likely to receive a call from the platform organization.

This situation directly tells the other party that he is not the borrower, so that the other party can stop calling to remind the repayment and go to the real borrower for collection.

In order not to receive a collection call inexplicably, everyone must pay attention to keeping personal information well to avoid information leakage. You know, once personal information is known by others, it is likely to cause security risks. If it is used by criminals, it will be bad. Of course, your phone number may also be used by some "friends".

What if someone borrows my number?

It's not your loan. It has nothing to do with you legally. You don't have to bear the repayment responsibility. Moreover, the borrower left your contact information when borrowing, which may have an impact on you. After all, when the borrower can't repay the loan, the company or personnel may contact you by phone, and some even call you by bombing for collection.

I have a friend who had the same situation before. One of her friends left a contact number there when she made an online loan, and the online loan company contacted her by phone. However, after the friend explained to the staff of the online loan company, the staff of the online loan company never looked for her again. If the other party has collection methods such as telephone bombing, it is recommended to call the police in time.

Is it illegal for others to leave my phone number online?

It's not illegal! Nowadays, many lending apps will read address books, contacts and so on. So you can borrow money on this platform, who to contact, and whether there are other lending software on your mobile phone! Of course, there are also some platforms whose audit systems are not rigorous, so there will be many fake calls and other people's calls! If you really get such a call, don't worry, just tell them slowly. I don't know anyone. You have the wrong number. Maybe he left something casually and I can't contact this person!

I suggest you don't yell at them and lose your temper, because they will harass you in various ways, and don't try to transfer the phone to someone else's mobile phone (the news said that someone transferred to 1 10 and was found to be detained! If you go to the police, the police can't help it, and they won't pay attention, so you can only make it clear to them as much as possible and ask them to mark the phone! This will be better!

What happens when someone else leaves my phone number to repay the loan? Does loans overdue affect me?

Your mobile phone number is used by someone else to borrow money. If it is overdue because there is no repayment, the customer himself will definitely be affected.

First of all, because the other party left the customer's phone number, if the loan platform wants to call for money, it will directly look for the customer, not the person who defrauded the loan. Because of the overdue situation, it is possible that the platform will continue to send text messages for collection. In this way, the daily life of customers will inevitably be disturbed.

In addition, criminals who use other people's information to defraud loans often borrow money on platforms with low application threshold and less formal. This kind of platform may also obtain the customer's address book information, call the family and friends in the customer's address book, and it will also affect relatives and friends.

Secondly, after loans overdue, customers may have bad records on big data. After all, loan fraudsters borrow money from customers' information. In this way, customers who want to borrow money in the future may be blocked by credit problems.

Therefore, customers are advised to take good care of their personal information and not to disclose their information to others easily.

If you find that your information has been fraudulently used by others to defraud loans, then customers must make it clear to the loan platform in advance and handle the big data problem. I don't have to bear the responsibility of repayment.

First, did the emergency contact scare people?

It's really scary, because emergency contacts are different from guarantors, and in principle, they don't need to be responsible for the overdue behavior of borrowers.

Just because the platform needs emergency contact information, it will contact the user after the deadline, in order to put pressure on the debtor. Some emergency contacts are immediate family members or close friends, and the platform also wants to call emergency contacts to help compensate.

If the borrower fails to repay the platform within the time limit, it can be done, but it is impossible to contact the person urgently. However, it should be noted that as an emergency contact, you also need to bear risks and consequences.

The first is to receive a collection call, and some will be maliciously harassed by the platform; Second, if the emergency contact person needs to borrow money in the later stage and wants to apply to the borrower's overdue platform, it is likely to be rejected, because the platform may think that it has the same overdue risk and poor credit as the debtor.

Will leaving my phone number on someone else's online loan affect credit reporting?

There is a good chance that someone else will leave your phone number as an emergency contact. Generally, this will not affect personal credit information. But if the borrower can't contact you, the loan company will call you or send you a text message. If the loan is not repaid in the later period, the borrower is overdue and submits a credit report, but it has nothing to do with the emergency person.

Will leaving my phone number on someone else's online loan affect credit reporting?

No, if the other party has your ID card, you can't borrow money with your ID number, but if it is a husband-wife relationship, you need to be cautious. You may use your ID card information to do other things, or it will be more reliable to go to the bank to check the credit information.

Is it illegal for others to leave my phone number online?

It's not illegal! Nowadays, many lending apps will read address books, contacts and so on. So you can borrow money on this platform, who to contact, and whether there are other lending software on your mobile phone! Of course, there are also some platforms whose audit systems are not rigorous, so there will be many fake calls and other people's calls! If you really get such a call, don't worry, just tell them slowly. I don't know anyone. You have the wrong number. Maybe he left something casually and I can't contact this person!

I suggest you don't yell at them and lose your temper, because they will harass you in various ways, and don't try to transfer the phone to someone else's mobile phone (the news said that someone transferred to 1 10 and was found to be detained! )

If you go to the police, the police can't help it, and they won't pay attention to this matter, so you can only try to make it clear to them and ask them to mark the phone! This will be better!

What if someone borrows my number?

It's not your loan. It has nothing to do with you legally. You don't have to bear the repayment responsibility. Moreover, the borrower left your contact information when borrowing, which may have an impact on you. After all, when the borrower can't repay the loan, the company or personnel may contact you by phone, and some even call you by bombing for collection.

I have a friend who had the same situation before. One of her friends left a contact number there when she made an online loan, and the online loan company contacted her by phone. However, after the friend explained to the staff of the online loan company, the staff of the online loan company never looked for her again. If the other party has collection methods such as telephone bombing, it is recommended to call the police in time.

Let's not introduce someone else's loan and leave my contact information.