Two situations. In one case, your friend loans overdue sent you a short message. First of all, you need to check whether the phone number he reserved when applying for a loan is yours. If so, the bank will send you a text message. In another case, a friend sent you a text message when he was in loans overdue, probably because he wanted you to help him pay his debts, but he didn't make it clear.

Supplementary information:

1. loans overdue usually refers to the phenomenon that after the loan expires, the borrower fails to repay the loan principal and interest to the loan bank according to the loan period agreed in the loan contract, and fails to go through the relevant extension or lending procedures, thus causing the loan to exceed the agreed period.

Second, the emergency contact person written by someone else's loan has no influence on the emergency contact person, will not affect the personal credit information, and will not be affected by this matter at all. Because the loan is not borrowed by the emergency contact, and the emergency contact is not the loan guarantor, the emergency contact has no responsibility to be reasonable and legal, let alone affect the personal credit information.

However, the loan platform will call the emergency contact person to ask for help to contact the borrower, or threaten the emergency contact person to help repay the debt if the borrower fails to repay. It also has a great impact on the lives of emergency contacts. If you accidentally become someone else's loan emergency contact, one way to avoid being harassed is to install interception software to automatically intercept strange numbers.

Generally speaking, if the payment is overdue for more than 3 days and the borrower cannot be contacted, you can contact the emergency contact person.

It is recommended to repay the arrears as soon as possible. If it causes serious overdue, it will face:

1. Bear high overdue fees.

For overdue fees, different online lending platforms have different names and different charging standards. Whether it is called overdue penalty interest, overdue management or other various names, the charging standard is very high. Therefore, those who have the ability to repay on time should never be overdue.

2. Bear the fancy collection of the platform.

Collection is generally divided into three stages: the first stage, just a few days after the deadline, platform customer service MM quietly and enthusiastically reminds you that it is overdue, please repay it on time; In the second stage, if it is overdue for a long time, the platform customer service will give a serious warning and threaten to face serious consequences if it is overdue; In the third stage, it has been overdue for a long time, and the platform no longer tries to convince the other party and begins to take practical actions.

There are many practical actions, such as: the platform pushes your arrears information to your relatives and friends, making you lose face in the circle of friends; The platform arranges special collection personnel to collect money at home and communicate face to face to collect accounts. Of course, these are still relatively mild. Some platforms will outsource collection, and special collection companies will carry out collection. The collection company "violent collection" that broke out some time ago, I believe that borrowers are not willing to encounter it.

3. Facing the crisis of national trust.

Now the online lending platform has established a blacklist system, and the blacklisted platforms have begun to communicate with each other. Borrowing on one platform is overdue, and it is very difficult to borrow on other platforms. In addition, the online lending platform will also publicize the blacklist through its own online channels such as WeChat and Weibo, and even on the big screens of railway stations and airports. Let the people all over the country know that these "old lai" borrow money and don't pay it back! Of course, except those who maliciously owe money, ordinary borrowers will not go this far.

The credit report of China People's Bank is tainted.

At present, most online lending platforms have not been connected to the PBOC credit information system, but it has become an inevitable trend to access the PBOC credit information system. In the future, if the online lending platform fails to repay the loan within the time limit, it will be recorded in the credit information system of the People's Bank of China like bank loans and credit cards that are overdue, resulting in a credit stain. If the previous consequence is only humiliation, the stain of credit information will affect real life, and if you want to buy a house, you can't borrow money, if you want to buy a car, you can't mortgage, and so on.

The defendant went to court.

After the loan is overdue for a long time or deliberately not repaid, after the amount exceeds 2000, it can already constitute the crime of fraud and is in danger of being sued by the online lending platform. Once the court decides that the online lending platform wins the case, the borrower will not only have to pay the money to be repaid, but also pay the litigation costs and huge fines of both parties, and even face jail time.