Received a text message saying that the loan was maliciously defaulted.

Legal analysis: ignore or call the police. Don't worry if you don't have a loan. This kind of information is generally fraudulent. If you don't lend you a loan and then pay it back, so is this kind of fraud. It is more convenient to apply for a loan on the online lending platform, but we should pay attention to choosing a formal platform, which can better protect personal interests and information security. At the same time, don't pay the pre-loan fee to avoid being cheated.

Legal basis: Article 266 of the Criminal Law of People's Republic of China (PRC) defrauds public or private property, and if the amount is relatively large, he shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also or only be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined or confiscated. Where there are other provisions in this Law, such provisions shall prevail.