In this case, it is very likely that the liar sent a text message to defraud. You can see if he has continued to contact you. In addition, you should consider whether your identity information may be stolen by others. At present, the relevant procedures for loans are very strict. As long as there is no loan operation, you can definitely check it.
Second, overdue loans.
Overdue loans are also called "overdue loans" or "overdue loans". Refers to the part of the loan that has not been paid off within the repayment period stipulated in the contract, which is transferred to the overdue loan account from the overdue date, and the words "overdue loan" are marked on the header of the loan account.
According to the national loan regulations, if the principal and interest cannot be repaid on schedule, it shall be repaid with the retained basic depreciation fund, enterprise fund or profit, and shall not be squeezed into costs, taxes or profits.
According to the relevant provisions of the Contract Law, the borrower fails to repay the loan within the time limit stipulated in the loan contract, which is a breach of contract and should bear the liability for breach of contract. The ways to bear the liability for breach of contract include returning the loan principal, paying the interest during the loan period agreed in the contract and paying the interest of loans overdue.
Second, the calculation method of overdue loan interest
1, according to the interest rate agreement within the contract period.
Within the performance period agreed in the loan contract, as long as it does not violate the provisions of the People's Bank of China on the upper and lower limits of the loan interest rate of financial institutions, and private lending is not higher than 4 times the bank loan interest rate, the interest paid by the borrower can be used to calculate the overdue interest of overdue loans according to the interest rate agreement.
2. Calculate the interest according to the relevant provisions of the People's Bank of China.
This interest-bearing method still abides by the original loan interest rate during the performance of the loan contract, and the overdue interest in installments is not calculated when the interest rate is adjusted. For the interest rate of overdue loans, the overdue interest shall be collected by installments according to the interest rate adjusted in different periods determined by the People's Bank of China, and the overdue interest shall be collected by default interest according to a certain proportion, or by installments according to the default interest rate determined by the People's Bank of China.