Legal analysis: In case of forced online lending, you can take the initiative to contact the lending institution to show that you have not submitted a loan application, and then negotiate with the lending institution to only return the loan principal and terminate the loan. If the lending institution refuses, the user can keep relevant evidential materials to complain to the relevant departments.

Legal basis: Article 10 of the Supreme People's Court's Opinions on People's Courts Handling Loan Cases states that a loan relationship formed by one party by fraud or coercion or taking advantage of a person's crisis against its true meaning shall be deemed invalid.