Why is my bank card not frozen but I received a reminder text message?

Because the emergency contact person your friend filled in when taking out the loan was you, or the lender maliciously collected the money.

1. In order to prevent borrowers from overdue repayment, many online loan platforms will access the borrower's address book when submitting a loan application. Once the borrower fails to repay overdue, It will bomb everyone in his mobile address book. Let everyone know that he owes money and demand repayment. In your case, this person owes money to the lending institution and has not repaid it, so the institution can only call you and send you text messages. If you find it annoying, you can block such text messages and add you to the blacklist.

2. When encountering this kind of situation, you should first call your friend to verify. If it is confirmed that the friend owes money, and there is no money, you can also take the initiative to contact the platform and tell the platform that you and the repayment Qian Fang is just an ordinary friend. He tells them not to call and harass him again, otherwise he will report them. In this way, he can get rid of the harassment from the platform.

3. When applying for a loan, you will need to fill in the contact person, and some platforms will obtain the address book information of the mobile phone. If the personal information is in it, then they will send you a text message.

：

What is violent debt collection

1. Frequent phone calls or text messages that seriously interfere with normal life

The most common types of debt collection The method is phone calls and text messages. However, when debt collection is so frequent that it affects the normal life and work, it is considered violent debt collection. Many violent debt collectors will make hundreds of calls to you during the day, making it impossible to use the phone normally, or they will make continuous calls or send text messages in the middle of the night, affecting your rest. If you don't answer the phone or reply to text messages, they will also harass you with phone calls or text messages from the list in your address book.

2. Use threats, intimidation, insults, slanders and other methods to collect debts

Violent collections often include threats, intimidation, insults, slanders and other behaviors in phone calls, text messages and emails. For example, the collector will tell you that if you do not repay the money within the stipulated time limit, you will be punished, or they will tell you that if you do not repay the money, they will harass your relatives and friends, or even worse. In addition to verbal personal attacks, the perpetrators will also threaten you with direct life threats, etc.

3. Expose and leak personal privacy, or fabricate and defame personal information

Generally, when you use a loan product, you will upload your personal information, and when violent debt collectors find you, they often also This information will be used to collect debt from you. The viral nude articles uploaded on the Internet are a good example. If they feel that your information is not very attractive, they will also modify your information through PS and other techniques to achieve the purpose of vilifying it.

4. Pretend to be a law enforcement agency for collection purposes

Nowadays, many friends who are overdue will also receive information from "law enforcement agencies". The general content is to inform you in the name of the law enforcement agency. If you don't repay the money, you will receive a summons from the court or be directly sentenced to some kind of sentence. But in fact, almost all of these messages are sent by the collector pretending to be a law enforcement agency, and pretending to be a state agency is a clear Illegal conduct. In the normal prosecution process, you should receive a summons from the court directly instead of an advance notice.