What does it mean that my friend loans overdue sent me a text message?

Two situations. In one case, your friend loans overdue sent you a short message. First of all, you need to check whether the phone number he reserved when applying for a loan is yours. If so, the bank will send you a text message. In another case, my friend loans overdue sent you a text message, probably because he wanted you to help him pay his debts, but he didn't make it clear.

Supplementary information:

1. loans overdue usually refers to the phenomenon that after the loan expires, the borrower fails to repay the loan principal and interest to the loan bank according to the loan period agreed in the loan contract, and fails to go through the relevant extension or lending procedures, thus causing the loan to exceed the agreed period.

Second, the emergency contact person written by someone else's loan has no influence on the emergency contact person, will not affect the personal credit information, and will not be affected by this matter at all. Because the loan is not borrowed by the emergency contact, and the emergency contact is not the loan guarantor, the emergency contact has no responsibility to be reasonable and legal, let alone affect personal credit information.

However, the loan platform will call the emergency contact person, ask for help to contact the borrower, or threaten the emergency contact person to help repay if the borrower does not repay. It also has a great impact on the lives of emergency contacts. If you accidentally become someone else's loan emergency contact, one way to avoid being harassed is to install interception software to automatically intercept strange numbers.

3. If the loan is overdue for more than 3 days and the borrower cannot be contacted, you can contact the emergency contact person.

It is recommended to repay the arrears as soon as possible. If it causes serious overdue, it will face:

1. Bear high overdue fees.

For overdue fees, different online lending platforms have different names and different charging standards. Whether it is called overdue penalty interest, overdue management or other various names, the charging standard is very high. Therefore, those who have the ability to repay on time should never be overdue.

2. Undertake the fancy collection of the platform.

The collection is generally divided into three stages: the first stage, just a few days after the overdue, the platform customer service MM will gently remind you that it is overdue, please repay it on time; In the second stage, if it is overdue for a long time, the platform customer service will seriously warn that it will face serious consequences if it is overdue; In the third stage, it was overdue for a long time, and the platform stopped trying to convince the other party and began to take practical actions.

There are many practical actions, such as: the platform pushes your arrears information to your relatives and friends, which makes you lose face in the circle of friends; The platform arranges special collection personnel to collect money at home and communicate face to face to collect accounts. Of course, these are still relatively mild. Some platforms outsource collection, and special collection companies collect them. The collection company "violent collection" that broke out some time ago believes that borrowers are not willing to encounter it.

3. Facing the crisis of national trust.

Now online lending platforms have established a blacklist system, and blacklist platforms have begun to communicate with each other. Borrowing on one platform is overdue, and it is very difficult to borrow on other platforms. In addition, online lending platforms will publicize blacklists through their own online channels such as WeChat and Weibo, and even on the big screens of railway stations and airports. Let the people all over the country know that these "old lai" borrow money and don't pay it back! Of course, ordinary borrowers will not go so far except those who owe money maliciously.

The credit report of China People's Bank is tainted.

At present, most online lending platforms have not been connected to PBOC's credit information system, but it has become an inevitable trend to connect to PBOC's credit information system. In the future, if the online lending platform fails to repay the loan within the time limit, it will be recorded in the credit information system of the People's Bank of China, just like bank loans and credit cards that are overdue, causing credit stains. If the previous consequence is only losing face, then the stain of credit information will affect real life, and there is no way to borrow money if you want to buy a house, no way to mortgage if you want to buy a car, and so on.

The defendant went to court.

After the loan is overdue for a long time or deliberately not repaid, after the amount exceeds 2000, it can already constitute a fraud crime and is in danger of being sued by the online lending platform. Once the court decides that the online lending platform wins the case, the borrower not only has to pay the money that needs to be repaid, but also pays the litigation costs and huge fines of both parties, and even faces jail time.