What should I do if someone else refuses to give me my phone number for loan repayment?

You can contact the handling bank to explain that the mobile phone number of the lender was entered without your knowledge, or during the loan review stage, the handling bank called to ask whether the mobile phone number belonged to the lender. Sometimes, just say you don’t know the situation. The phone number provided when taking out a loan is used as an emergency contact and does not mean that the lender will be responsible for any overdue liabilities of the lender. The emergency contact is neither the same lender nor the guarantor. It is just that the bank can use the emergency contact to find the lender in case the lender cannot be contacted. Therefore, the emergency contact does not have any obligation to repay. If the emergency contact is required to repay or is threatened, he can take legal measures to protect himself.

Extended information:

Responsibility situation: When the phone number is retained by the lender as a phone number during the loan, it is only used as the loan contact person and is not the same as the lender. If you are not a loan guarantor and a bank or credit card company calls to inquire, you can record the call and explain the situation.

Consequences:

Once the borrower fails to repay the loan overdue, he will receive various collection messages or harassing calls on the loan mobile phone number, and the lender’s information will also be obtained. Mobile phone number address book messages. If the loan is overdue for too long, the loan platform will activate the collection mechanism and bombard the mobile phone address book, so do not easily lend your mobile phone number to others to avoid unnecessary trouble. My friend took out an online loan and filled in my mobile phone number as the emergency contact. What should I do if he doesn’t pay back the money?

If you are just an emergency contact, that's okay. If they call you frequently, you can warn them and don't explain politely. The more you explain, the more they will think you are easy to bully. This is a little trick.

Be tough and say you don’t know him, then ask them which company they are from, then call the police, and they will choose other ways to find your friend.

If you encounter someone who is not the same collection company (you can find out when you ask them which company they are from), then repeat it. Generally speaking, the same salesperson is responsible for collecting the debt from the same repayer, so you only need to mention it once.

The emergency contact person is not the repayment obligor. Be as tough as possible

What is the emergency contact person? When the lender cannot find your friend, they can contact that person directly, which is you, but you are under no obligation to assist them.

Whether it is notifying your friend to repay the loan, or asking for your friend’s new phone number, address, etc., it is not your obligation!

No matter how sweet the debt collectors are, they will usually say: Your credit report will be affected, and you may be sued. Don’t believe it, they are all just to scare you!

The main thing is to deceive those honest people and help find their repayers. To put it bluntly, they want you to do things for them, and if they don’t give you money, you will take the blame!

At this time, you must speak tougher. If you are not familiar with your friends, just say that you don’t know them. If you are familiar with them, they will say that they don’t know where they are and can’t be contacted, but you should forcefully ask them which company they are from. If they call you again, they will call the police for harassment and ask them to find other ways. Go contact your friends.

So far, I have met several friends asking about this matter, and I have always given them this solution. Sure enough, the number of calls I have received has decreased a lot since then.

But please note that being tough is not insulting. The reason why you are tough is because "it is not your obligation to help find your friends." It’s up to everyone to understand the specific context.

If you are the second repayer, it will be a bit troublesome

What is the second repayer? That is, when your friend fails to repay the loan, you should repay it on your behalf. This is a legal obligation.

However, if the name of the second repayer is not signed by you, but by your friend (some people will secretly take a photo of your ID card, etc. while signing the money, and then print it out, to submit as materials), then you will be in a bit of trouble.

They can repeatedly collect money from you, and your explanation is useless, so let them use legal means to sue you.

If they sue, you need to prove that the signature of the second repayer is not yours, and that the ID card picture was stolen by them without your knowledge. Then ask the other party to identify their handwriting.

As long as it is determined that it was not written by you and only has a copy of your ID card, then the other party will basically lose the case, so don’t worry.

But be careful, never take a photo of yourself holding your ID card, otherwise it is very likely that your knowledge will be revealed.

He will add content to your photos and then send MMS messages to your friends. This is very disgusting. When will malicious collections end? What should I do if my mobile phone number is used by someone else to get a loan?

The mobile phone number has been used as an emergency person for the loan. Although the contact person is not obliged to repay the loan to the lender, if the lender fails to repay or is overdue, the loan platform will call Harass emergency contacts and put pressure on emergency contacts to urge lenders to repay.

If the borrower fails to repay the loan for one day, the emergency contact will be bombarded with debt collection calls, and blocked calls will continue to be made from a different number. Even if the call blocking function is turned on, it will not have much effect. If it doesn't work, I can only change my mobile phone number.

Personal loans, also known as retail loans, have become an important loan business after decades of development. Personal loans refer to local and foreign currency loans issued by banks or other financial institutions to natural persons who meet the loan conditions for personal consumption, production and operation, etc. When a lender issues a personal home loan, the borrower must provide a guarantee. If the borrower is unable to repay the principal and interest of the loan when due, the lender has the right to dispose of its collateral or pledged property in accordance with the law, or the guarantor shall bear joint and several liability for the repayment of the principal and interest.

How to apply for a personal loan conditions: First, you must be 25 years old or older, have full civil capacity; and have a permanent residence or valid residence certificate in China. Second, having a fixed occupation or stable economic income can guarantee the ability to repay principal and interest on time. Third, the credit record is good and there is no bad credit record. Fourth, it must be able to provide legal and effective guarantees recognized by banks. Fifth, other conditions specified by the bank. Generally, if you meet the above conditions, you can apply for a loan from a commercial bank.

Personal housing commercial loans are self-operated loans issued by bank credit funds. It refers to natural persons with full civil capacity who purchase self-occupied housing in cities and towns in this city. A housing commercial loan is applied to a bank where the house is used as collateral and as a guarantee for loan repayment.

Personal housing provident fund loans are entrusted loans issued by the policy-based housing provident fund. They refer to employees who have paid housing provident funds when they purchase, build, renovate, or overhaul their own homes in cities and towns in this city. A housing provident fund loan is applied to the bank with the property owned as collateral as a guarantee for loan repayment.

Any borrower who meets the conditions for a commercial personal housing loan and deposits the housing provident fund at the same time can also apply for a personal housing provident fund loan from the bank while applying for a commercial personal housing loan. That is, the borrower uses the purchased principal to Self-occupied houses in cities and towns can be used as collateral to apply for personal housing provident fund loans and personal housing commercial loans from banks at the same time (this loan method is referred to as personal housing portfolio loans).

Personal small credit loans are RMB credit loans issued by banks or other financial institutions to borrowers with good credit without providing guarantees. Based on personal credit and repayment ability, the amount generally does not exceed 100,000-200,000, and the loan period ranges from 1-2 years.