Why did you receive a collection call without online lending?

Why did you receive information from loans overdue without a loan?

In most cases, whoever owes money will send overdue text messages for collection, but it is also possible to receive text messages that do not repay the loan. In this case, we should first carefully identify the authenticity of the short message, and then check the loan record on the credit information.

1. Now telecom fraud is more serious. Many scammers send short messages under the guise of the platform, leaving contact information in the short messages, in order to scare the recipients, take the initiative to contact them, and let their fraudulent means be implemented. So, if you don't have a loan, don't call. If you really owe money, the other party will definitely take the initiative to call.

2. Usually, credit card overdue text messages will write the overdue person's name. If the name is not your own, it may be that the previous owner changed the number after the deadline and did not change the number of the loan platform. The platform still sends a text message to this number as usual, so it is not surprising that the person who took over this number did not receive the text message within the time limit; If the message has no name, please ignore it.

3. If the name mentioned in the short message happens to be your own, in this case, it is best to check the credit information in the central bank's credit information system, with the focus on whether the loan record on the credit information has the record of this institution. If not, don't worry about it. If there is a record, but it is not your own loan, it may be a fake loan. You can file an objection application and ask the institution to cancel the overdue record.

4. Check your online loan records to avoid being loaned without knowing it. Generally, you can get a personal online loan big data report in Eagle Heart.

Extended data:

Nine traps of online loan fraud:

1. You can get a loan as long as you have an ID card.

2. Interest is much lower than general interest.

3, but let the money be paid back before collecting the loan.

4, the sale of "compulsory open technology"

5. Trojans steal bank card information.

Step 6 Use phishing websites as a cover

7. Spend money to eliminate credit stains

8. If there is no loan, let the fee be paid.

9. Find a formal platform for loans.

Why did you get a call starting with 02258 without online loan?

If you have never made an online loan, but received a loan reminder call, it may be caused by the following reasons:

1. Personal identity information was leaked, and some people embezzled information and borrowed money under false names. It is precisely because the other party filled in his own information when borrowing, so after the other party failed to repay, the loan platform naturally found itself according to the information.

2. I have guaranteed the loans borrowed by relatives and friends. If the loan platform can't contact the borrower for repayment, I will naturally ask the guarantor to assume the guarantee responsibility and repay the loan on behalf of the borrower.

3. Some relatives and friends use themselves as emergency contacts and provide contact information to the loan platform. Because relatives and friends who have repeatedly collected loans from the loan platform do not pay them back, they find themselves as their emergency contacts.

4. Some fraudsters make dunning calls in the name of the loan platform, and then defraud money on the grounds that the dunning is overdue. In this regard, we must not easily pay back the money to each other. We should check it ourselves. If you really find that you have arrears, you should also repay them through formal repayment channels.

Why do you receive a reminder message that there is no loan?

Possible reasons for receiving a reminder message without a loan:

1. Your mobile phone number is bound to a bank card or a third-party platform by someone who has used it before, and the other party has a loan. The collection SMS is sent to the bound mobile phone number.

2. There are also loans from different places. In order to contact you, the third party collects collection messages from other channels.

3. Personal information leaked, someone borrowed money in your name, and it was overdue after borrowing.

Extended data:

In the case of personal information disclosure, we can take the following three forms:

1. Once information is leaked, the individual has the right to immediately ask the network service provider to delete relevant information or take other necessary measures to stop it.

2. Individuals can also make complaints and reports to public security departments, Internet management departments, industrial and commercial departments, consumer associations, industry management departments and relevant institutions.

3. The China Internet Illegal and Bad Information Reporting Center under the National Network Information Office also accepts and handles public reports of illegal and bad information.

Legal basis: Article 1034 of the Civil Code of People's Republic of China (PRC) protects the personal information of natural persons according to law. The privacy information in personal information shall be subject to the provisions on privacy; If there are no provisions, the provisions on the protection of personal information shall apply.

The personal information of natural persons is protected by law, and no organization or individual may infringe upon it. If personal information is leaked, you can ask it to bear tort liability.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 1034 The personal information of natural persons is protected by law.

Personal information is all kinds of information recorded electronically or in other ways that can identify a specific natural person alone or in combination with other information, including natural person's name, date of birth, ID number, biometric information, address, telephone number, e-mail address, health information, whereabouts information, etc.

The privacy information in personal information shall be subject to the provisions on privacy; If there are no provisions, the provisions on the protection of personal information shall apply.

Article 1035 The handling of personal information shall follow the principles of legality, justice and necessity, and shall not be over-handled, and meet the following conditions:

(1) Obtaining the consent of the natural person or his guardian, except as otherwise provided by laws and administrative regulations;

(2) Rules for publicly handling information;

(3) Clearly explain the purpose, mode and scope of information processing;

(four) does not violate the provisions of laws and administrative regulations and the agreement between the two parties.

The processing of personal information includes the collection, storage, use, processing, transmission, provision and disclosure of personal information.

I didn't borrow money from Meituan. Why did I receive the collection from Meituan?

The mobile phone number was used by people in the past to make online loans. I didn't borrow money from Meituan, but I received a collection from Meituan, because the mobile phone number was used by previous people to make online loans, and there was no repayment, but the mobile phone number registered in Meituan has not been modified. In this case, the current user of the mobile phone number will receive a payment message.