Will 360 IOUs be prosecuted if they are overdue? What should I do if I really don't get it

360 overdue is actually a contract dispute. If you can't communicate effectively with creditors, or you can't pay off your debts, you will definitely be sued. Even if you haven't handed it in, you can only say that you haven't. You can ask the creditor for a grace period and try to return it as soon as possible. If it is returned by the court, it will be enforced. Enforcement will also have an impact on your family property.

Extended data

I. Consequences of 360 overdue IOUs

1 360 overdue loans will be collected at the meeting.

At present, 360 IOUs report overdue information according to the relevant regulations of the central bank. Although the 360 IOU is overdue, the loan will be collected at the meeting, but the borrower will not report the relevant information to the PBOC system immediately after it is overdue, but will be given a grace period. As for how long the 360 IOUs are overdue, it may take about 3 days, and the 360 IOUs will be determined according to the specific arrears. With the increasing influence of the central bank's credit reporting on life, everyone must cherish their personal credit, otherwise there will be huge losses.

After 360 IOUs are overdue, everyone must take effective measures to prevent 360 IOUs from reporting overdue information to the credit information system. Specific measures are as follows:

(1) The borrower should take the initiative to contact the customer service staff of 360 IOUs, preferably by telephone. If the customer service phone is temporarily unavailable, you can also contact 360 financial customer service. When contacting customer service, you must take the initiative to explain the reasons for overdue, strive for understanding, and minimize the possibility of credit reporting.

(2) Everyone should try to raise a sum of money in the shortest time, and pay off all the principal, interest and penalty interest that should be repaid in that month. If you can't repay the loan in a short time, you can apply to the customer service staff for loan extension to ease the current pressure.

2.360 Consequences of overdue IOUs for one month

360 If the IOU is overdue for one month, it will have serious consequences. The overdue penalty interest will be charged on a daily basis, recorded in the overdue record in the People's Bank of China, and sent a text message to make a phone call. Overdue penalty interest will increase the repayment pressure of the lender, overdue records will affect the lender's personal credit, and SMS will affect the lender's daily life.