There is no overdue loan, and I have been receiving inexplicable text messages these two days. What the hell?

This situation is because you neglect the protection of personal information, personal information is leaked, and criminals use your leaked personal information to brainwash you. If you are not vigilant, you will be cheated. Don't be deceived

I. Provisions on overdue loans

Overdue loan refers to the money that the borrower fails to return to the lender within the time limit stipulated in the loan contract. According to the relevant provisions of the Civil Code, the borrower fails to repay the loan within the time limit stipulated in the loan contract, which is a breach of contract and should bear the liability for breach of contract. The ways to bear the liability for breach of contract include returning the loan principal, paying the interest during the loan period agreed in the contract and paying the interest of loans overdue. Repaying the loan principal and paying interest within the loan period agreed in the contract will generally not cause disputes because the parties have clearly agreed in the loan contract; For the interest of overdue loans, there is not only a great dispute between the parties, but also the applicable standards in judging such cases are not uniform, which affects the authority of the law.

Second, the calculation method of overdue loan interest

As we know, loan contracts are divided into commercial loans and private loans according to the nature of the lender. The former refers to loans issued by commercial banks or other financial institutions as lenders, while the latter refers to loans between natural persons and between legal persons and natural persons. The calculation method of overdue loan interest varies with the nature of the loan contract.