I didn't borrow money from Zhaolian Finance. I just sent a text message asking me to repay it. What should I do?

I just want to say that there are many people who have the same experience as you. What is certain now is that your information was stolen.

There are two possibilities for this to happen.

1. Criminals borrow money after stealing your information.

2, the mobile phone itself is a liar.

In either case, there is no need to pay. First of all, you should contact the official customer service of Zhaolian Finance to determine whether you have borrowed money from them. If there is, it is necessary to explain the situation in time and then call the police. If not, then the person who called you is a liar. I suggest you use the official WeChat account platform such as Qianru Data to check your online loan big data and see if there are any other abnormal loan records or application records. If so, you should also call the police.

Finally, I would like to say that although the requirements for online lending are relatively low, it is actually not the case. Although the requirements for online loans are relatively low, the review process is relatively strict. The most basic point is that the person who asks to verify the identity card and the applicant must be the same.

Therefore, the record of being loaned is not very large, but if you really encounter such a situation and successfully receive an online loan with someone else's ID card, this behavior is already fraud. From a legal point of view, the person on the ID card is not responsible for repayment, so you don't have to worry too much. The photo of ID card has been leaked. It is suggested to report the loss and reissue an ID card as soon as possible.