Can be handled according to different situations:

1. The information may have been stolen. When it is clear that you have no loan, but you do owe a certain amount of loan, you need to call the police to solve the debt dispute.

2. If the information is not stolen, it may be that your friend owes a loan, so you need to call to check whether your 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 careful 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, indicating that others have filled in the wrong mobile phone number, so that the lending institution can delete its own mobile phone number so that it 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 lending institution in the later stage. As long as you make sure that you haven't applied for a loan, the text messages you receive 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 SMS received may be sent by financial institutions rather than 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 claimed 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 there is no agreement or unclear agreement on the overdue interest rate, the people's court may handle it according to different circumstances:

1. If the lender claims that the borrower shall pay the interest during the period of capital occupation at the annual interest rate of 6% from the date of overdue repayment, the people's court shall support it from the date when the interest rate during the loan period is not agreed.

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 borrower's claim to pay the interest during the period of capital occupation 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 online loans, it can be implemented in accordance with the agreement; If there is no agreement in the loan contract, it should be decided according to the actual situation. Overdue online loans are civil disputes and need to be resolved through civil channels. You can negotiate with the lending institution to apply for deferred repayment, or you can go through the formalities of installment repayment.