Why did my ex online loan dunning send me a text message?

Because when taking out an online loan, they will keep all the information of the borrower, including his address book, maybe his **information has yours when he takes out a loan**, and the communication is quite ordinary, they think that you have a close relationship with him, so they send you a message. You don't have to pay attention to them, you can delete them.

Or pick up your information to borrow, or the guarantor to fill in you.

1. First of all, you need to confirm whether there is any arrears in the online loan;

2. If there is no arrears, you can ignore or call ** to inform the other party if you send a collection text message;

3. So you must maintain your credit.

In this case, if the borrower can survive two years, he may face these consequences:

1. The platform went out of businessWhether to repay the online loan is a hot topic of discussion, and the bankruptcy does not mean that the money does not have to be repaid, it depends on the qualification, scale, and processing of the online loan, so the borrower should still be prepared to repay or be collected.

2. Online loans have been abandonedIf more than a year later, there is no further collection**, the basic account will be abandoned by the online loan, recorded as a bad debt, and there will be no more urging to repay in the future, it is estimated that this is the result that many borrowers want to see.

3. It was investigated and punishedDue to the mixed online loan market, you may not help but encounter usury and routine loans, and other victims have reported the online loan through legal means, and once it is investigated and punished, it will basically not be collected again.

If a collection company fails, the information of these overdue users will be handed over to another collection company after half a year and a year, so they will always receive collection SMS.

Ten years later, it will be collected. Your debts will be assigned.

There are generally two types of text messages you will receive after an online loan is overdue:

The first type of SMS is a collection SMS, when your online loan is overdue for one day, the online loan company will send you various collection messages to urge the user to repay the loan.

The second type of information is litigation information, if you have a situation of maliciously overdue, or even overdue for more than half a year, the online loan company is likely to sue the user, and you may receive litigation information.

1. First of all, I do not recommend applying for online loan products.

First of all, you should know that most online loan products will have routines, which are not only limited to interest, but also limited to your personal credit problems. Many online loan products claim to have a particularly low credit threshold, but they will also check your personal credit information. If you frequently apply for such online loan products, your personal credit will be seriously affected, which will affect your daily life.

In addition, the interest rate of online loan products is generally more than 20%, which is much higher than that of regular loan products. <>

2. You will receive a collection message after the online loan product is overdue.

This information is not limited to text messages, and many online loan companies will also send collectors to collect from users. Because the users of online loan products are generally subordinated credit users, the financial situation of such users is already very tight. When the user is overdue, the staff of the online loan product will collect the user violently, and the collection method is also very bad.

3. Litigation information will be received after the online loan product is overdue.

When a user is overdue for more than 6 months, most online loan products will package the user's information in bulk and sue the user to the court. Some people may have a fluke mentality, thinking that they are not applying for a regular online loan product, so they do not need to repay the loan. I need to tell you something:

Even if the online loan product is not formal, the loan contract you signed is very formal. The cost of suing users for online loan products is not high, they will sue users in batches, and the only way for users to avoid being harmed by online loan products is not to touch online loan products! <>

With the continuous development of social economy, more and more friends like to take out online loans, to meet the consumption level of their lives, but in fact, online loans are a very terrible behavior, because online loans will have a serious impact on their lives, so many friends will encounter such a problem, they will always receive overdue text messages, what should I do when this happens, in fact, the most important thing is to repay the loan, and it will not appear again.

But in fact, we have to understand a problem, that is, when taking out online loans, the interest is very high, which will have a very serious impact on your life at this time, so many online loans are inconsistent with the contract principal and the actual arrival principal. According to the relevant laws and regulations, this phenomenon is subject to certain punishment, so after the online loan is received from the reminder, you can collect relevant evidence, report to the local **, or sue the local court, the purpose of this is not to prevent yourself from repaying the money, but to better protect yourself.

I feel that online loans are still a very terrible behavior, so if you can not take out online loans, you should not go to online loans, online loans will not only affect yourself, but also have a very serious impact on your family's life, so don't do this, and the interest rate of online loans is also very high.

I couldn't get through to the question.

Ask, um, is it useful.

But it can only be stopped for a while, not a long-term solution.

After all, it is you who owe money first, and the Internet Finance Association cannot guarantee that you will never have to worry about it.

You negotiate with the loan platform to repay the loan, when to pay it off, ask them to stop collecting, and tell the customer service, otherwise you can only complain to the Internet Finance Association.

Question: My online loan is overdue, negotiate and repay it slowly, and the platform does not agree to ask me to pay it off at once, but I can't afford to pay it back, and I send harassing text messages to me and my family every day.

If the other party is a loan shark, you can go to the court to sue the other party for loan sharking, and if you win the lawsuit, you can ask for installment repayment.

Ask me if this online loan platform is not a loan shark, how can I not let the collector send me a text message?

If a loan shark hits you, it will be transferred to someone else.

You change this transferred ** number to the ** number of the loan shark.

The message can't be transferred, but if you receive a message, you can treat it as dead if you don't read the content

Ask 1068 questions and text me every day.

I think you should pay off your online loan as soon as possible, otherwise the dunning SMS may become a dunning** and will have an impact on your credit investigation.

If you receive a reminder SMS, you must pay off the loan in time, otherwise you will be blacklisted.

Then repay the money as soon as possible, if you don't have the money, borrow it from others first, otherwise you will get a credit report, and your life will be greatly affected.

It's hard to judge, it's generally a third-party collection company. Now the collection is very smart, I'm afraid that you will leave recording evidence, so I don't know which collection it is, make money after the deadline, don't pay it back little by little, pay it back at once.

Further information: The harms of online lending are as follows:

1. The rates of some online loan platforms are not clearly marked, and there is a certain degree of concealment in the expressions of handling fees, overdue fees, liquidated damages, etc., which may tightly trap loan students.

2. Due to the low threshold for online loan installment consumption, it provides a platform for college students to consume ahead of time and consume luxury, but many college students are in debt due to impulsive consumption, which brings trouble to normal learning.

3. Once there is a situation of overdue repayment, it will affect the personal credit of college students in the bank. Once there is a personal credit stain, after stepping into the society in the future, whether it is applying for a credit card or applying for a loan, it will have to pay a greater cost than others and may even be rejected. In addition, once there is an accident in these micro-loan companies, there is also a hidden danger of leakage of private information such as student ID cards and ID cards of college students.

Disadvantages of online lending.

1.Unsecured, high-interest rate, high-risk Compared with traditional loan methods, online loans are completely unsecured loans. And, the central bank has repeatedly made it clear:

The compound annual interest rate is more than 4 times the bank interest rate and is not protected by law. It also increases the high risk of online loans (generally 7 times or even higher than the bank interest rate).

2.Credit risk The inherent capital of the online lending platform is small, and it is impossible to bear a large amount of guarantee, and it is difficult to solve the problem of large loans once it occurs. Moreover, some borrowers also take out loans for the purpose of fraud, and some of the purposes of the creators of the loan platform are not pure, and there are frequent cases of fleeing with money.

3.Lack of effective regulatory means As online lending is a new type of financing, the central bank and the CBRC do not yet have clear laws and regulations to guide online lending. For online lending, the regulator mainly has a neutral attitude, and does not violate the rules and does not approve it.

However, with the prevalence of online lending, it is believed that the relevant measures will be formulated and implemented in a timely manner.

Have you borrowed it yourself, and don't you know what to do? Or you borrowed a lot of homes, look at your text message, regular online loans will not be sent with a mobile phone number, what you encounter should be an anti-aircraft artillery platform, I don't know how to solve it to find me.

Hello, I am glad to answer for you why there is a collection SMS when the online loan application is successfully extended: Huiju "Because after the online loan is overdue, the relevant institutions or platforms will notify the overdue person to repay the loan in the form of SMS or **.

The platform has not been updated, and some text messages are generally sent to you automatically by the system, so don't worry too much about the spine, and after the negotiation of repayment is successful, it will be operated in accordance with the negotiation of the car infiltration.

But the legal counsel I found helped me apply for a deferment of repayment, and he had already told me that it was successful, but I still received a collection text message from a third party, so I was not deceived

Because many of the hail online loan platforms in Jizhou have cooperated with third-party collection companies, you and the platform have successfully applied for a successful extension, and the platform has not yet notified the third-party collection platform**, so there will be a collection of short sail letters.

When will the application be successful, and how long has it been since now?

There are two platforms that have been overdue since the fourth day of November closure, the first platform was successful last Thursday, and then the second platform has been closed yesterday, but today I received a third-party collection SMS.

Both platforms are collecting.

Yes, there is no ** collection, just a message.

Which online loan platform is it?

Weibo and installment music, the shedman has called his family a few days ago**, and he has not received a collection ** in the past few days, but this collection text message has not stopped, so I really don't know if this Bo and Na legal affairs are **.

Have you contacted your legal counsel to tell him about this, apply for a deferral of repayment, and the collection text message can be reported.

I said it, and he said leave him alone <>

Because you have already applied for a deferral of repayment, you can ask the platform and the collection platform not to send it.

After all, the industry is different, and it is indeed not under his control, and this kind of collection after applying for an extension can be solved.

It is advisable to pay off the arrears as soon as possible. If you are unable to pay off the arrears in time, you should negotiate with the other party to see if Hola can extend the repayment period or pay in installments. If the other party's text message harassment has caused a serious impact on the person's normal work, study and life, you can call the police.

You've been taken advantage of, call the police! Otherwise, you'll have an online loan that you will never pay off.

Collecting text messages isn't real.

Don't be frightened, the collection of text messages is not true, this is just a general routine of collection, the first collection if without my consent, privately collect or inform a third party of your arrears information or find your relatives instead of yourself, collection is an illegal act, violates your privacy, you can collect the illegal behavior of collection to the Internet Finance Association to complain, even if this is true, it will not notify you in the form of text messages but to communicate with you, communication must be agreed by me to come to the door, When you come to the door, you have to show his bank power of attorney and BTG's personal work identity information, otherwise you can refuse to communicate, call the police to deal with it, and generally don't worry too much about receiving these text messages.

Distinguish between the authenticity and falsehood of the collection SMS:

1. As long as there is a situation in the general text message, such as the court and the public security organ, it is basically fake.

2. As long as there is content about being wanted, to be listed as a dishonest person, a laid-back, etc., it is basically fake.

3. Sending you a text message with a private mobile phone number about how the public security department will behave must be fake.

4. What will you do if the message is sent, and then let you contact the xx director and xx commissioner.

5. The word "unsubscribe" appears after the text message, which is fake, and this kind of text message can be ** if you buy it. <>