1. What should I do if I receive overdue information without reason?
Can be handled according to different situations:
1. It is possible that the information has been stolen. When it is clear that you have not borrowed money, but you do owe a certain amount of money, you need to call the police to solve the debt dispute.
2. If the information is not stolen, it may be that a friend owes an online loan, so you need to call to check whether the friend owes a loan.
3. It is also possible that you visited the loan website, which led to the disclosure of personal information. You should be more cautious when dealing with similar incidents.
The user did not apply for a loan, but received overdue information. This may be because the lending institution sent the wrong information, or someone else filled in the user's mobile phone number when applying for a loan. The former is because lending institutions send text messages in groups, so sometimes mistakes may be made. The latter requires the user to contact the lending institution, explaining that others have filled in the wrong mobile phone number, and let the lending institution delete their mobile phone number, so that they will not receive SMS again.
Generally speaking, the user has registered a loan account, and as long as the account is not cancelled, it is possible to receive information from the following lending institutions. As long as you are sure that you have not applied for a loan, the received SMS can be ignored directly. However, there is a special situation, that is, the loan applied by the user is lent by other financial institutions, so the received SMS may be sent by financial institutions, not loans.
Second, how to calculate the overdue interest of online loans
There is an agreement on the overdue interest of online loans, but the agreement cannot exceed 24% of the annual interest rate, and the excess is invalid; If there is no agreement, the lender cannot be required to pay the expected liquidated damages. If the borrower and the lender have an agreement on overdue interest rate, such agreement shall prevail, but the annual interest rate shall not exceed 24%. If the overdue interest rate is not agreed or clearly agreed, the people's court may handle it according to different circumstances:
1. The lender claims that the borrower should pay the interest during the period of capital occupation at the annual interest rate of 6% from the date of overdue repayment. As the interest rate during the loan period is not agreed, the people's court should support it.
2. If the interest rate during the loan period is agreed, but the overdue interest rate is not agreed, the people's court shall support the lender's claim that the borrower shall pay the interest during the occupation period according to the interest rate during the loan period from the date of overdue repayment.
You can call the police if you don't borrow online loans but receive overdue online loans. If there is a clear agreement on overdue interest before borrowing and lending, it can be implemented in accordance with the agreement; If there is no agreement in the loan contract, it shall be decided according to the actual situation. Overdue online loans are civil disputes and need to be resolved through civil means. You can negotiate with the lending institution to apply for deferred repayment, or you can go through the formalities of installment repayment.
I suddenly received a phone call saying that the online loan was overdue. What should I do with fraud?
Hello, once you are cheated, you are advised to keep the evidence and call 1 10 to call the police as soon as possible.
Borrowing is still recommended to choose a formal platform. It is convenient and easy to borrow money on the platform. Du Xiaoman's credit service products have money to spend, providing users with safe, convenient, unsecured and unsecured credit services. If you borrow money, you can go to Xiaoman APP (click on the official measurement). The daily interest rate of money consumption loans is as low as 0.02%, and the annualized interest rate is as low as 7.2%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security.
I would like to share with you the application conditions for consuming products with money: it is mainly divided into two parts: age requirements and information requirements.
1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide installment loans to students at school. If you are a student at school, please give up the application.
Information requirements: You need to provide your second-generation ID card and your debit card during the application process.
Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.
This answer is provided by Youhuahua. Due to objective reasons such as the timeliness of the content, if the answer content is inconsistent with the actual interest rate calculation method of Youhuahua loan products, the display on Xiaoman APP- Youhuahua Loan page shall prevail. I hope this answer is helpful to you.
What should I do if I get a phone call at home saying that my online loan is overdue?
For users whose online loans are overdue, if they don't answer the phone to hide their debts, the online loans will find a third-party company to collect debts. At this time, your address book will burst, and your family, friends and relatives all know that you are in debt. What should you do at this time? Of course, try to pay back the money. Don't repay the loan with a loan, so you will owe more and more money.
What should I do if I get a phone call at home saying that my online loan is overdue?
First of all, you should list how many online loans you have and how much each one costs.
Second, how much can I pay back in a month?
Third, is the interest rate of the online loan you borrowed legal? If it exceeds the statutory interest rate, it can be temporarily withheld.
Finally, online loans can negotiate a one-time repayment of the principal. If they call the address book staff other than your emergency contact, including your family, they can call 12378 to complain, or they can complain to the government, black cats, etc. If it is effective, keep audio screenshots and other evidence. Don't collect and add WeChat, telephone, etc. You can also call the police if you pretend to be a staff member of a state organ to collect money.
Remember not to borrow new online loans because of debt and increase your debt.
Is it illegal to call your parents after the online loan is overdue?
Few online loans are legal, otherwise they will not be cleared, so these things they do are basically illegal. However, the online lending platform knows that this can't be done, and it must find a buffer, so there is the birth of a third-party dog.
In short, it is illegal for a third party to collect the company's existence. They can get your information and action path through various channels. For that little commission, they can trample on the law and even violate the criminal law. No collection company dares to be named after collection. They are all named after an asset management company, financial service company and information technology company, selling dog meat.
What should I do if I am threatened by a debt collection phone every day?
Receiving a dunning call or dunning information will really affect your mood, especially if you have a bad attitude, which will make people depressed all day.
Personal advice:
If you have a good attitude towards debt collection, then show that you are willing to pay more with him: I will, but it will take some time, and it is really difficult now.
If you have a bad attitude towards debt collection, record it and keep a copy of the evidence in your hand.
Work hard, first of all, ensure a basic life.
Everyone has a bad day, and it will always get better.