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JD.COM overdue loan 120 days. Yesterday, I received messages from my contacts and myself, threatening to sue. I have paid off the overdue payment, but I was told today that it is a risk account in JD.COM, and it needs to be completely settled, otherwise it will be uploaded to my personal file and will not be eliminated for life. There is still a deficit of 1800 yuan.

Explanations and suggestions:

1. This collection method may be to press you to repay the debt owed to JD.COM as soon as possible.

I suggest you take the following steps to deal with this problem:

A. Check the relevant clauses of JD.COM IOU to understand all consequences of breach of contract and solutions.

B contact JD.COM baitiao customer service to confirm the identity of the other party and verify whether there is any problem with the risk account.

C. If there is risk in the risk account, please consult professional legal advice to understand the countermeasures and rights protection.

D. Pay the remaining 1800 yuan as soon as possible to avoid further legal disputes.

Summary:

JD.COM's overdue repayment of IOUs will lead to collection behavior, but they threatened to upload them to personal files, and the statement that they can't be eliminated for life needs further verification. The best way to solve this problem is to communicate with JD.COM Baitiao customer service, abide by the terms of the contract and repay the remaining debts as soon as possible.

Extended data:

JD.COM IOU is a consumer credit service provided by JD.COM, and overdue repayment may lead to collection. According to the relevant laws and terms, the borrower should repay the arrears as soon as possible to avoid bad credit records and possible legal disputes. If you have any questions related to collection, it is recommended to seek professional legal advice to safeguard personal rights and interests.