What happened when my friend Meituan sent me a message due to overdue financial arrears?

You can clearly tell the collection platform or the third party to collect, explain that your non-emergency contact person is not clear about the situation, and ask to stop harassing or handle complaints. Because when applying for a loan, you usually need to leave emergency contact information. If the user is identified unwittingly or involuntarily, it is recommended to make it clear when reviewing the call back, so as to avoid the subsequent borrowers from adversely affecting themselves.

Although the emergency contact is not a guarantor and does not need to be responsible for the repayment of the user, once the other party is overdue, it is likely to receive harassing calls and text messages. At the same time, if the contact person wants to apply for a loan on the same platform in the future, it may not pass the examination, thinking that the risk is greater and it is likely to be overdue. Therefore, when you are a contact, you need to think carefully before you agree.

Of course, in the process of being contacted, if the other party has excessive behavior, such as abuse, threats, etc. , you can keep relevant evidence for alarm processing.

Why do I receive overdue text messages from my friends?

If the customer receives a message that the credit business handled by a friend is not repaid on time and overdue, it is probably because:

1. A friend took the customer as an emergency contact when handling the credit business, filled in the contact number and submitted it. Therefore, when financial institutions can't find anyone to repay, they will look for customers as emergency contacts to understand the recent situation of friends, so as to urge friends to repay as soon as possible.

2. The customer is the guarantor of a friend's loan, so the lending institution/platform will find the customer before the friend repays the loan. At first, it may ask customers where their friends are going and ask them to repay as soon as possible. If a friend is unable to repay, it is estimated that the customer will be required to bear the corresponding repayment responsibility.

3. A friend stole the customer's identity information to make a loan. Therefore, after a friend fails to repay, the lending institution/platform will naturally not go to the other party, but directly go to the customer and ask the customer to repay. In this regard, the customer can explain the situation to the lending institution/platform, explain that the loan is not operated by himself, and let him find a friend who really borrows money to repay.