The online loan has not been returned, and I received a text message saying that it was a loan fraud. Is it true?/You don't say.

Bian Xiao saw on the Internet that some netizens reflected such a thing. Some online loans were not repaid on time, and he received a text message saying that he was suspected of loan fraud. Is it true?/You don't say.

First, this matter is false. In fact, suspected loan fraud usually only happens when the bank finds out that you deliberately don't pay back the money. After many communication, if the parties still don't repay, the bank may start the corresponding procedures and finally appeal to the parties. The charge of the appeal is the crime of loan fraud, but if the loan is made online, then there is no right to conduct such a lawsuit. So generally speaking, if you receive a report from the relevant company that you have been suspected of loan fraud because you have not repaid on time, this news is generally false, and the loan company deliberately said so in order to urge you to repay the loan.

Second, when you encounter this kind of information of intentional intimidation when you file a civil lawsuit, you can actually file a related civil lawsuit. Generally speaking, if you lend money to some small loan companies, this kind of economic dispute will not be involved, because this kind of loan is a civil dispute, even if you report it to the police station, you can't be arrested, because the police station has no jurisdiction over the economic dispute in this case, and this kind of overdue repayment does not belong to the crime of loan fraud. The crime of loan fraud refers to the behavior that the parties use false evidence to prove and then borrow money from banks or some formal financial institutions as a guarantee, so these behaviors do not conform to the crime of loan fraud.

Three. Conclusion If you have been bombarded by this kind of information for a long time, and it has also brought serious impact on the life or work of the parties concerned, you can choose to report the case to the local public security organ, so that the public security organ can accept it and deal with it accordingly. Of course, at the same time, you have to repay the loan on time.