What if someone else always sends me a text message for loan dunning?

The general manager of someone else's loan dunning can clearly inform himself that the non-emergency contact wants to stop harassing or handle complaints.

Because it is necessary to leave emergency contact information when applying for a loan, it is recommended to be clear when reviewing the return call, 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. 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.

The borrower shall use the loan for the agreed purpose and shall not use it for illegal purposes. The purpose of the loan agreed in the loan contract shall not violate the provisions of the state on restricting operation, franchising and prohibiting operation by laws and administrative regulations. Clarifying this clause can protect the borrower's right to use funds; For lenders, it can monitor the flow of funds, ensure the return of funds and control risks.

If the borrower uses the loan for illegal purposes and violates the prohibitive norms of national laws and administrative regulations, the loan contract is invalid. Secondly, restricting the use of loans is to ensure the source of repayment funds. If the loan is not used according to the agreed purpose, the borrower may lose the repayment ability due to improper operation. In addition, the internal operating policies of lending banks may have restrictions on the industries or departments that issue loans, and government regulations and decrees sometimes have similar provisions. Finally, restricting the use of loans may also be because it involves the interests of third parties.

Article 681 of the Civil Code of People's Republic of China (PRC) * * * A surety contract is a contract in which the surety and the creditor agree that the surety will perform the debt or assume the responsibility when the debtor fails to perform the due debt or the circumstances agreed by the parties appear.