Why do I have no Gitzo loan, but I am urged by Gitzo?

What happened when I suddenly received a repayment message from Gitzo without a loan?

The word "loan" often appears in everyone's life, because in life, when we buy a car and a house, we occasionally encounter some financial difficulties. At this time, we will turn to banks or loan companies for help. Of course, even in daily life, some people will face their own problems. At this time, some loan software can solve the problem of consciousness, but it also involves the problem of subsequent repayment. If there is no way to repay the arrears, it will have a great impact on personal life.

After receiving the text message from Gitzo, I have no loan.

Some people may have mortgages or car loans in their lives, but I didn't apply for loans like some loan software, but received text messages from some loan software. This kind of short message does not recommend software to users, but directly indicates the date and amount of repayment. Receiving such a short message is very worrying, because if the full amount is not returned on time, it is easy to involve collection or credit investigation.

why

The reason why this happens can usually be divided into two reasons to discuss. One of the reasons is that your personal information was stolen by others and used for loans, so loan repayment information appeared. Another reason is that software is just a gimmick to attract users. After seeing this kind of information, users question that they have not borrowed money from the software, so what most users do is to download the software and see if they have borrowed money, which achieves the purpose of the software to a certain extent.

What should I do?

There are two ways to deal with it. 1 is just for safety. We can download the software ourselves and see if we can get a loan through the software. If the loan is not made by ourselves, we can complain at this time. The second way is to ignore it, because the loan information is basically sent to the lender on a specific date every month. So you can wait until the same day next month to see if the software will send you repayment information. Of course, if you really don't have a loan, then both methods are ok, because it's not my loan and you can appeal.

If today is a gimmick for software companies to register users, then the company is extremely disrespectful to users. If your information is fraudulently used by others, then this matter will become bigger. In addition to complaining to the loan company, it is best to handle it through the police.

I haven't made a loan, but a company called Gitzo always sends me text messages to remind me of the repayment.

1, first of all, some official calls of Gitzo Company, please ask the customer service staff to help you check what is going on after getting through.

2. Personal information is to be exposed, but your mobile phone number is on your mobile phone. Please don't tell anyone about the verification code. Losses can be avoided.

3. In addition, this may be the marketing information of the loan. If there is nothing wrong with asking customer service, you can leave it alone.

1. Complaint Where can Gitzo Finance complain?

1. If there is a problem with the store, users can contact the headquarters to make a complaint, and related channels can be viewed through the official channel of Gitzo.

2. If the problem is the loan itself, you can complain to the CBRC, usually by mail. Complaints need to be explained and relevant evidence provided, because similar financial institution platforms will be supervised by the CBRC.

3. Complaint platform. Now there are many online complaint platforms, such as Gathering Complaints and Consumer Protection Association, which have similar financial complaint sections, which can clearly describe the events to be complained. If the Gitzo platform is stationed, it will bring the two sides together to communicate and solve it.

Of course, just because Gitzo Finance has a problem, you can't think that you don't have to pay back the loan, but you still have to pay it back. These are two different things. If the user's repayment is overdue, it will be recorded in the central bank's credit report, leaving a credit stain record.

Second, how to sue?

Y prepare the following materials:

1, indictment, find out the basic registration information of the other party (name, address, legal representative, telephone number, etc. ), you can write it yourself or ask a lawyer to help you write it; And copy according to the number of the other party;

2. Prepare evidence, one original and one copy of your ID card, all evidence and copies that are beneficial to you in case of dispute with the other party, and other evidence and witness lists that may be helpful to you.

3. Bring legal fees; Go to court to file a case.

Article 109 A lawsuit shall be brought to a people's court, and copies shall be submitted according to the number of defendants.

If it is really difficult to write a complaint, it can be made orally, which will be recorded by the people's court and the other party will be informed.

Article 110 A complaint shall contain the following items:

(a) the name, sex, age, nationality, occupation, work unit and domicile of the party concerned, the name and domicile of the legal person or other organization, and the name and position of the legal representative or principal responsible person;

(2) the request and the facts and reasons on which it is based;

(3) Evidence and its sources, names and residences of witnesses.

Why didn't I borrow money and was urged by Gitzo Financial Company?

Maybe it's a promotion or your information has been stolen.

1, sales promotion: Now the problem of user information leakage is very serious. Even if you haven't applied for a loan before, as long as you have online behavior, it is recorded in online big data. Moreover, this information is easy to be bought and sold by criminals, so you will often receive various advertisements for handling credit cards and loans. If users are not interested, they can set to reject these calls or text messages.

2. Information stolen: If the user did not apply for the loan himself, but the information was stolen by others, now if the other party is not overdue, then the platform will definitely make a dunning, and naturally it will always receive calls. In addition, there is a similar situation, that is, when others apply for loans, they leave users as emergency contacts on the loan application form. Now the platform collection is also to know the latest developments of borrowers from emergency contacts.

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First, the consequences of bank loans overdue.

1, resulting in penalty interest.

The regulations of each lending institution are different. As long as it is overdue, there will be a penalty interest, that is, a certain percentage of interest will be added on the basis of the original interest. The longer the time, the higher the cost.

2. Take collection measures

If it is overdue for a long time, lending institutions will send staff to collect it, while financial institutions generally will not adopt violent collection methods, but it will also have a certain impact on personal life. It is recommended to repay as soon as possible.

3. Affect credit

As long as the lending institution accesses the credit information, it will leave a bad record after the deadline. If the circumstances are serious, it will not only be included in the list of untrustworthy people, but also affect many businesses in the future, and even be restricted from leaving the country and not being able to take planes or high-speed trains.

4. It depends on the tolerance period of the lending institution.

At present, most lending institutions consider from the perspective of humanization, one is to avoid hurting customers' face, and the other is to recover debts. Generally, a grace period of 3-5 days will be given, and some bad records will be recorded after the grace period. Some lending institutions will clearly tell lenders that there is a tolerance period for repayment, while some lending institutions have not clearly stated that there is a loan tolerance period. When loans overdue exceeds the tolerance period, it will be credited. Therefore, how long it takes loans overdue to grant credit depends on the tolerance period of lending institutions.

Second, can bank loans overdue be washed white?

Can't! You can often see that kind of advertisement on the internet. It's all a lie. Don't believe that no one can modify the personal credit record of the central bank without authorization. If you want a good credit report, you can only pay back the money on time, and there is no other way.