Don't give your online loan information to online loan companies easily? Some netizens speculated: Did online lending institutions take my information to force loans?
But it's unlikely. Only a handful of non-compliant online lending institutions will do such a thing.
What is a "loan"?
In fact, the user obviously did not apply, but made more loans.
There are generally two situations: 1. Online lending institutions use your information to apply for loans for yourself. The money will be given to you.
2. acquaintances or loan intermediaries around you take your information to borrow money. You won't get the money.
The probability of the first case is smaller, and the second case is bigger!
Online lending institutions generally don't force you to lend. Regular online lending institutions will not lend with user information. And will not disclose information to users. Why?
? Now the institutions on the market are all compliant. The money should be transferred to my real-name bank card. In this case, there is almost no case where an individual does not apply and a financial company forces a customer to borrow money. However, if you encounter a non-compliant platform and are unfortunately "loaned", please report the case directly and sue. You don't have to pay back the money.
? Institutions are not stupid enough to shoot themselves in the foot. People who usually do this kind of thing are probably online loan intermediaries/acquaintances. Take your ID card and bank card to get a loan. Everyone should be careful when they need to borrow money, and don't give their information to others at will.
? The user information of lending institutions is very valuable. They all hope that users will always borrow money from them and will not disclose the information to other lending platforms. What should I do after being loaned?
First, ask this institution about your loan, and ask the institution to give all the information about your loan (including borrower, loan date, mobile phone number, bank card, ID card, etc.). ), and then compare it with your own data to find out the problem.
Then, give all the evidence that the organization can prove that it is not its own application. Negotiate with the platform first, and then report the complaint if necessary!
How to find a compliant platform?
Try not to find a personal intermediary to make online loans. If you want to make a small loan, you must find a specific company to borrow it.
Find formal big platform loans, such as: small win card loans, Ping An I loans, Renren loans, etc.
Looking for formal channels: Generally, we need to find some platforms with relatively large traffic, and we will recommend some online loan products, which are more reliable.
As a reminder, don't worry too much about being "loaned". As long as you prove that you didn't borrow it yourself, you don't have to return it! If you have a bad record, you can also apply for cancellation.
But you should take precautions, don't tell important information to strangers easily, and don't give important documents such as ID cards or bank cards to others at will!