What if it is overdue for no reason?

What should I do if I receive a text message from loans overdue for no reason?

1. What should I do if I receive overdue information without reason?

Can be handled according to different situations:

1. It is possible that the information has been stolen. When it is clear that you have not borrowed money, but you do owe a certain amount of money, you need to call the police to solve the debt dispute.

2. If the information is not stolen, it may be that a friend owes an online loan, so you need to call to check whether the friend owes a loan.

3. It is also possible that you visited the loan website, which led to the disclosure of personal information. You should be more cautious when dealing with similar incidents.

The user did not apply for a loan, but received overdue information. This may be because the lending institution sent the wrong information, or someone else filled in the user's mobile phone number when applying for a loan. The former is because lending institutions send text messages in groups, so sometimes mistakes may be made. The latter requires the user to contact the lending institution, explaining that others have filled in the wrong mobile phone number, and let the lending institution delete their mobile phone number, so that they will not receive SMS again.

Generally speaking, the user has registered a loan account, and as long as the account is not cancelled, it is possible to receive information from the following lending institutions. As long as you are sure that you have not applied for a loan, the received SMS can be ignored directly. However, there is a special situation, that is, the loan applied by the user is lent by other financial institutions, so the received SMS may be sent by financial institutions, not loans.

Second, how to calculate the overdue interest of online loans

There is an agreement on the overdue interest of online loans, but the agreement cannot exceed 24% of the annual interest rate, and the excess is invalid; If there is no agreement, the lender cannot be required to pay the expected liquidated damages. If the borrower and the lender have an agreement on overdue interest rate, such agreement shall prevail, but the annual interest rate shall not exceed 24%. If the overdue interest rate is not agreed or clearly agreed, the people's court may handle it according to different circumstances:

1. The lender claims that the borrower should pay the interest during the period of capital occupation at the annual interest rate of 6% from the date of overdue repayment. As the interest rate during the loan period is not agreed, the people's court should support it.

2. If the interest rate during the loan period is agreed, but the overdue interest rate is not agreed, the people's court shall support the lender to claim that the borrower shall pay the interest during the capital occupation according to the interest rate during the loan period from the date of overdue repayment.

You can call the police if you don't borrow online loans but receive overdue online loans. If there is a clear agreement on overdue interest before borrowing and lending, it can be implemented in accordance with the agreement; If there is no agreement in the loan contract, it shall be decided according to the actual situation. Overdue online loans are civil disputes and need to be resolved through civil means. You can negotiate with the lending institution to apply for deferred repayment, or you can go through the formalities of installment repayment.

What if it's overdue?

Overdue remedial measures are as follows:

1, short-term overdue. People sometimes forget to return it because they are busy with work, or return it a day or two late. At this time, you should repay the loan immediately, and then call the customer to explain the situation to prevent the credit information from being reduced due to overdue;

2. It has expired. If it is due to the negligence of the lending institution or the fraudulent use of personal information, contact the overdue bank in time to explain the situation, and then submit an objection application to the People's Bank of China. After verification, overdue records will generally be eliminated within 15 working days;

3. Force majeure is overdue. Force majeure is overdue, such as due to natural disasters, going abroad, illness and other special circumstances. If you contact the overdue bank immediately, the bank thinks it is non-malicious overdue and will issue corresponding certificates, which will not affect the personal credit report.

4. The overdue treatment due to personal reasons is as follows:

(1) Pay off the arrears. Overdue, it shall pay off the arrears as soon as possible;

(2) face it positively. If it is overdue, face it positively. Unloading the platform and closing the account can't solve the problem. After overdue repayment, you should keep a good credit record, generally 2 years, which can cover bad records;

(3) Repair credit information. Generally, it will be kept for 5 years, and the new records will completely cover the bad records. At this time, we must maintain a good reputation and prevent overdue. Keep it for 5 years, and the previous bad records will be eliminated after 5 years.

How to deal with and eliminate overdue credit information? Teach you four tips

First of all, answer directly.

After the credit is overdue, it is necessary to analyze the reasons for the overdue.

Second, the specific analysis

1. Overdue due to personal reasons: if overdue due to the user's own reasons, the overdue debt must be paid off first, and the overdue record will be kept in the credit information for 5 years from the date of overdue debt, and will be automatically deleted after 5 years.

2. Overdue due to the loan institution: If the user has loans overdue due to the loan institution, the user can appeal to the loan institution first. After the lender completes the audit and confirms that loans overdue has nothing to do with the user, it will appeal to the Credit Information Center of the People's Bank of China, which will complete the audit within a few working days and delete the overdue records.

There are too many applications, and I am worried that my big data will lead to the failure of car loans and mortgages in the future. You can check it quickly in Beijian and check it out. The system provides the most accurate information for debtors, people who apply for excessive online loans, loan users and platform risk control personnel. You can quickly query all kinds of big data, such as arrears records, loan application times, credit reports, etc. , so that you can better understand your credit status.

3. How to apply for manually eliminating overdue credit records?

If you want to apply for manual cancellation of overdue credit records, you can only do it by the staff of the credit information center. At the same time, this kind of complaint must be submitted by the lending institution to the Credit Information Center of the People's Bank of China, and users can't ask the Credit Information Center to delete overdue records.

After receiving a complaint, the Credit Information Center of the People's Bank of China will first review the contents of the complaint, notify the lending institution after the review is completed, and manually use the overdue records in the credit information report within the next few working days.

How to deal with and eliminate overdue credit information?

1. Pay off overdue debts as soon as possible.

After loans overdue, overdue debts due to the user's own reasons will be paid off, and overdue records will be automatically deleted. After the user pays off the overdue debts, the overdue records will be kept in the credit information for 5 years from the date of paying off, and will be automatically deleted by the credit information system after 5 years. The sooner users pay off overdue debts, the sooner overdue records will be deleted. After the overdue records are paid off, even if they remain in the credit information, their negative impact will continue to decrease. When the overdue records are kept for more than 3 years after being paid off, you can even try to apply for some credit business.

2. Apply to the lending institution for cancellation of overdue records.

If the overdue is not caused by the user's own reasons, the user can keep relevant evidence and submit it to the lending institution for review, and then apply to the lending institution for cancellation of overdue records. After applying to the Credit Information Center, the lending institution submits the relevant certification materials to the Credit Information Center for review, and generally it can pass the review. Within a few working days after the successful audit, the Credit Information Center will delete the overdue records of users. Users can also complain to the credit center themselves, and then the lending institution will submit the certification materials to the credit center for review.

3, the new record to replace the old record

The credit card has a bad credit record, and the user must pay off the arrears in time and continue to use the card, and the credit information system will generate a new credit card usage record. The central bank's credit information system will record the repayment records of credit cards in the past 24 months. If the previous bad credit record exists for more than 24 months, the new record will overwrite the old record to minimize the negative impact of the previous bad credit record.

Customers are advised to develop the good habit of timely repayment and try to avoid overdue. Once overdue, bad information will appear in the personal credit report, which will affect the subsequent credit business, and it is basically difficult to handle it successfully in a short time. If you don't know your credit information, just search: Come to Ka Kao, find this small WeChat program, pull out your online loan liabilities and overdue credit status, and make a repayment plan according to your own situation.