1. Is it illegal to send text messages to your family after the online loan is overdue?
It is illegal to send text messages to family members after the online loan is overdue. After the online loan is overdue, it is unreasonable for the loan company and the third party to urge the company to send text messages and call relatives, which is suspected of infringing on personal privacy. They can collect evidence to make complaints and reports. My online loan is overdue and has nothing to do with others.
1. If there is a credit problem in loans overdue, the overdue record of this loan will be uploaded to the personal credit information system of the central bank, resulting in the borrower's bad record in the credit information system, leaving a credit stain.
2. Overdue penalty interest will lead to additional expenses, and new expenses will be generated every day.
3. If the bank sues the loan bank for collecting the loan according to law, it will bring a lawsuit to the court according to the loan contract and guarantee contract (mortgage or pledge contract), and the court will take measures such as property preservation, including freezing the deposits in all bank accounts of the lender and loan guarantor and sealing up the pledged property.
Second, what should I do if the online loan is overdue?
1 first of all, the online loan treatment is not enough, and it is divided into three steps.
The first step is to stop all loans and seek the understanding and help of your family.
First of all, don't use loans to support loans, which will only make online loans more and more, and all platforms will be overdue. Confess to your family and strive for their understanding and help.
The second step is to collect the rational reaction in the face of profiteering.
Send a statement in the circle of friends in advance to explain that you are suffering from profiteering collection, apologize for the possible harassment of everyone, and suggest that you hang up these ridiculous phones, leave new ones for everyone, and reduce the use of old phone numbers.
The third step is to understand your dishonesty and try to repay the loan.
Check your credit through the credit information center to find out which online loans have entered the credit information system and which ones have not, so as to give priority to repayment. More importantly, find a job and work hard to make money, negotiate with banks or lending institutions, extend the repayment period or return it in installments.
2. Secondly, based on legal treatment.
The first category is formal online lending.
Everyone is familiar with formal online loans, such as Alipay. The interest rate is slightly higher than that of banks or similar to that of banks, and all of them are qualified to lend. In the face of this part of the online loan not being repaid, the first thing to face is being collected; Secondly, the credit information will turn black; In the end, it may be confiscated or prosecuted at home.
The second category is informal online lending.
This kind of online loan is very common, and its typical characteristics are high interest, upfront fee, membership fee, short loan period and terrible collection.
The third category is formal in name but informal in fact.
Because the qualification is compliant, it is declared compliant. However, its actual operation is on the edge of the law, and there are irregularities in many places.
This part of the online loan is not returned, and the worst result is to face litigation! Their purpose is whether they can continue to repay the loan and pay high interest, and they don't want to take legal channels. Therefore, for this kind of online loan, the best way is to pay back the money once it is violently collected, which can effectively avoid excessive interest.
After the online loan is overdue, it will face the risk of being collected, but the collection can only be directed at the debtor himself. If the family is disturbed, this practice is illegal. For debtors, they can safeguard their own interests through legal means. Therefore, after the debt is owed, it must be repaid in time. Only after the loan is paid off will it not be collected again.