What should I do if I receive a repayment reminder from an unused loan platform?

In this socially developed life, we may experience a lot of pressure, the pressure from life comes from the pressure of car loans and mortgages, this pressure often has a great impact on people, so that a cheerful person becomes very depressed, and it will also make people depressed all day long, and they have to repay the car loan and mortgage every month, but if there is not so much money to repay for a while, then we will choose to borrow. These software can use their own credit to withdraw money, so what should I do if I receive a repayment reminder from a loan platform that I haven't usedFirst of all, we must confirm that we have not really borrowed money on this platform, and if the other party has an extremely bad attitude or even threatens us, then we can choose to call the police.

Like suddenly receiving a call from the lending platform,It may be that the payment platform has made a mistake**, hit your mobile phone, in this case, you generally don't have to pay attention to it, you don't have to do anything, just hang up**. <>

Second, someone stole your information to apply for a loan.

But if someone steals your information and uses your information to apply for a loanThird, there is also the possibility of telecom fraud.

There is also a possibility that you have received a telecom fraud, and they lie to you that you have taken out a loan, and they are telling you that it is very serious, and if you can't pay off the loan, they will be on your credit report. Add bad records, and they will also tell you that they will give your relatives and friends a ** one by oneIn this case, don't panic to confirm yourself first, and you haven't applied for any loans, and then dial the police** to call the police. <>

In such a situation, we should immediately choose to call the police, and secondly, we should also go to the relevant bank for verification.

At this time, it's okay to ignore it, because I've never used this platform, maybe this platform sent the wrong text message.

Possible reasons for receiving a collection text message without having taken out a loan:

1.Your mobile phone number is bound to a bank card or a third-party platform by someone you have used before, and the other party has a loan, and the collection SMS is sent to the bound mobile phone number.

2.If you have a loan elsewhere, the third-party collection will use the collection SMS sent by other channels in order to contact you.

3.Personal information was leaked, someone borrowed money in your name, and the loan was overdue.

Extended Information: In the event of a disclosure of personal information, we may take the following three forms:

2. Individuals can also report to the public security department.

Internet management departments, industrial and commercial departments, consumer associations, industry management departments, and relevant institutions are to make complaints and reports.

3. Cyberspace Administration of China.

Legal basis: Civil Code of the People's Republic of China.

Article 1034: The personal information of natural persons is protected by law. For the private information in personal information, the provisions on privacy shall apply; Where there are no provisions, the provisions on the protection of personal information shall apply.

Legal basis: Civil Code of the People's Republic of China.

Article 1034: The personal information of natural persons is protected by law.

Personal information refers to all kinds of information recorded electronically or otherwise that can identify a specific natural person, either alone or in combination with other information, including the natural person's name, date of birth, ID number, biometric information, address, ** number, email address, health information, whereabouts information, etc.

For the private information in personal information, the provisions on privacy shall apply; Where there are no provisions, the provisions on the protection of personal information shall apply.

Article 1035: The handling of personal information shall follow the principles of legality, propriety, and necessity, and must not be excessively handled, and meet the following requirements:

1) Obtain the consent of the natural person or their guardian, but by laws or administrative regulations.

Unless otherwise specified;

2) Rules for disclosing the handling of information;

3) Clearly indicate the purpose, methods, and scope of the handling of information;

4) Do not violate the provisions of laws, administrative regulations and the agreement between the two parties.

The processing of personal information includes the collection, storage, use, processing, transmission, provision, and disclosure of personal information.

Explain that you have borrowed this loan product before, and it is also possible that your personal information has been leaked, and you have received a scam message at this time.

After this problem occurs, I suggest that you check your borrowing history first. Many online loan products are not formal, and there are no formal borrowing channels, and some users will even forget about their previous borrowing behavior. In such a situation, you can carefully review your previous borrowing situation and verify whether you have signed a loan agreement with this online loan.

If you have not borrowed any online loan products, you need to check whether your personal information has been leaked. Your personal information contains your personal privacy, after your personal information is leaked, many bad online loan products will send loan information to users, in this way to attract users to apply for online loans, I suggest you be cautious and do not touch such products. <>

1. You need to check your borrowing records.

After you receive a collection message, it usually means that your online loan product has been overdue for a long time. Although not every online loan product has a formal business license, when you apply for a loan, you will sign a loan agreement with the online loan product, so this borrowing behavior is also effective. Regardless of whether you take the initiative to maliciously overdue behavior, your overdue behavior will generate penalty interest, and it will also seriously affect your personal credit reporting.

You can also choose to log in to your personal credit to verify your borrowing status in this way. <>

Second, you need to protect your personal privacy.

Under normal circumstances, if the user has a previous record of applying for an online loan, or if the user has published his real-name information online, the user's personal information will be used by criminals. Many online loan companies will send SMS messages to users to attract people who want to apply for online loans. If you have never touched an online loan product before, I recommend that you continue to maintain your personal credit information.

No matter what the conditions, don't touch online loan products. <>

It is very likely that you have served as someone else's guarantor, it may be because your personal information has been leaked, it may also be because you have logged in to such a platform before, or it may be because your mobile phone number has been stolen by others.

It's very likely that your friend took out a loan, but submitted your message to the other person, so they will text you.

It may be that some of your information has been leaked, others have used some of your information, taken out some loans, or they are promoting some products.

Summary. Hello, in this case, 1. One possibility is that the identity information is leaked, and the identity information is impersonated by others to take out a loan, so you will receive a loan text message. 2. One possibility is that you have received a fraudulent text message, and the fraudster is tricking you into replying to the text message, and then committing fraud.

3. Another possibility is that friends or relatives around you take out loans.

Here's what's going on.

Hello, in this case, 1. One possibility is that the identity information is leaked, and the identity information is impersonated by others to take out a loan, so you will receive a loan text message. 2. One possibility is that you have received a fraudulent text message for renting manuscripts, and the fraudster is tricking you into replying to the text message, and then committing fraud. 3. Another possibility is that friends around you or relatives who are cheating on filial piety have taken out loans.

So what do I do.

What are you doing back to t.

It's advertising, leave it alone.

Then I'm now.

It's not that you've borrowed.

So what do I do.

You don't pay attention to the other person.

Especially the link should not be clicked.

You can file a complaint and apply for anti-fraud protection, but you have your personal information leaked.

Hello dear, if you have not borrowed money to apply for a loan, but received a reminder SMS, then you can directly ignore the SMS, because the SMS is the system pretending to be resistant, so there may be an error. If you can't confirm whether you have applied for a text message, then it is best to check whether the loan app has a lack of credit and has outstanding debts, and if you confirm that there is no spring wheel and arrears, you can directly delete the text message. If you receive a reminder SMS, it doesn't mean that you necessarily need to repay, and if the SMS is wrong, you don't need to repay.