I'll borrow it. I won't send a reminder message after the deadline.

Yes, online loans that are overdue for more than one year may not be prosecuted or prosecuted for the following reasons:

1. Debt collection agencies choose not to collect debts: it may be because of high debt collection cost and low recovery rate that debt collection agencies decide not to collect debts.

2. Closure or transfer of the creditor's company: If the creditor's company has problems, such as bankruptcy or closure, or they transfer their creditor's rights to other institutions, the debt collection activities will be suspended.

3. Long debt collection cycle: Some debt collection agencies will adopt a waiting strategy to seek a better time for debt collection, which may explain why there has been no debt collection for more than a year.

4. Delay in information verification: There may be delay in information verification, and debt collection agencies need to ensure that the identity and contact information of debtors are accurate, which may lead to delay in debt collection.

Summary:

Online loans are overdue for more than one year and have not been sued or prosecuted, which may be caused by the choice of debt collection agencies, the closure or transfer of creditor companies, the extension of debt collection cycle, and the untimely verification of information. However, please note that even if there is no debt collection or prosecution, there are still legal risks in overdue debts. It is suggested to communicate with creditors as soon as possible to find a solution.