Why do online loans always send me messages asking for loans?

1. Why do online loans always send me messages asking me to borrow money? What's going on here?

Online lending companies always send you messages asking for loans, or it may be sent randomly by a certain number. If there are other information including names or banks, your information has been leaked. It is better to pay attention to some at ordinary times. It is recommended to ignore him first, and call the police if it is really not possible.

Second, are there many people who publish loan information online now? Help you get a loan. What happened?

It depends.

Help relatives confirm the loan interest information, depending on what kind of way they help. There are several different situations for loan confirmation. The following example illustrates:

Notarization on behalf of the borrower: the borrower cannot sign the loan contract with the lender at the agreed time due to special reasons (such as physical discomfort, business trip, etc.). ). If this happens, the lender is willing to lend the money to the borrower, and the borrower can entrust his immediate family as the principal to sign the loan contract through notarization, which will clearly indicate the signing items, such as the loan amount. Interest rate, etc. If the client signs the contract normally according to the matters in the notarial certificate, then no matter what happens, the "client" will not bear legal responsibility. However, if there is a real problem, such as the borrower's malicious breach of contract, the customer has the obligation to cooperate with the lender to collect the money. On the contrary, if the client fails to carry out the notarization, he will already bear legal responsibility.

Second, loan confirmation: This category refers to helping the lender to confirm the authenticity of the borrower's information. For example, when Mr. Zheng applied for an unsecured credit loan of RMB 65,438+000,000 in a credit company, he had to go through the data preparation process, hand it over to the account manager and fill out the application form at the same time. Then, the account manager submits it to the credit company system for preliminary examination by the branch and final examination by the head office. After passing, he will sign a contract with the branch. After signing, he will confirm the payment. That is to say, the borrower information is confirmed for the last time. After confirmation, the money will be directly transferred to the borrower's account within three working days (in fact, three working days are usually the same day). The last step here is to help relatives confirm the loan information. In this case, as long as all the data provided are true and valid, it will not bear any legal responsibility.

You can judge whether you should bear legal responsibility according to different situations. Please read the rules and regulations carefully when such a thing happens. There are rules and regulations for formal lending. If you need a "guarantor", it will be clearly written in the terms or contract.

3. Can others apply for online loan with my copy of ID card and mobile phone number?

All the information published on the Internet that you can get a loan or apply for a credit card only with your ID card is a low-level scam. Don't trust the company whether it is registered or not. The swindler will trick you into signing the fax contract and pressing your fingerprint, and then trick you into paying the first month's interest, performance fee, deposit, insurance premium, guarantee fee, loan fee, notarization fee, credit fee, mortgage fee, card opening fee and so on step by step. In the name of insufficient running water in your bank, checking repayment ability or capital verification, you are required to transfer all the funds in your account to the liar's account. If you don't pay the fees as required by the swindler, the swindler will threaten you to breach the contract in the name of signing a contract with them and compensate you for huge liquidated damages. This is really a low-level means and typical!