Lightning loans overdue suddenly sent a text message several years ago.

I suggest you type a credit report. If the lightning loan is credited, I suggest you pay it back. If it's not on the credit report, I suggest you don't have to return it. Because online loans that do not accept credit information are illegal and have high interest. So we can refuse to pay back the money. However, if you get the credit report, it means that the interest is reasonable. In order not to affect our credit information in the future, it is still recommended to pay off the arrears.