My flowers are long overdue. Today, I received a message saying that if I don't pay back the money, I will be handed over to the public security organ.

It won't be handed over to the public security organ, but it has the right to sue you. This is an economic dispute.

Alipay will automatically repay the loan. If there is no repayment, there will be a dunning call, which will affect your future loans, implicate relatives and friends, and even be prosecuted in serious cases. Default interest for overdue: interest will be generated after overdue. If it is overdue, it can only be resumed after the principal and handling fee are paid together. Five ten thousandths of a day, ten thousand yuan a day for 5 yuan.

Reduce the sesame credit score: not only your own sesame credit score will be affected, but also the sesame scores of friends and relatives will be implicated, and your personal reputation will be reduced. The sesame credit score will be lower than 600 points. Bad credit record: Bai Hua's overdue repayment affects Sesame's credit score, which in turn affects personal credit record. Now Alipay Sesame Credit Score has become one of the eight major credit reporting agencies (online loans such as JD.COM Baitiao and Bai Hua affect personal credit records casually).

Affect loans and cards: Due to poor credit records, loans to buy a house and a car will have a great impact. If it is serious, it will be prosecuted and punished: if it is overdue, the amount will be reduced, if it is serious, it will be prosecuted! If Bai Hua fails to repay the loan within the time limit, it may be prosecuted, just like maliciously overdrawing the credit card, which may become the crime of credit card fraud.

However, these are stubborn people. Generally speaking, it is ok to return it as soon as possible.

Extended data:

Economic disputes refer to the rights and interests disputes caused by the contradiction between economic rights and obligations among market economic entities, including disputes involving economic content between medium-sized entities and disputes involving economic content between citizens, legal persons or other organizations as administrative counterparts and administrative organs due to administrative management.

Economic litigation refers to the litigation activities of the people's court to try and solve economic disputes with the participation of the parties involved in economic disputes and other litigation participants, and the sum of the litigation legal relations arising therefrom.

The task of economic litigation is to protect the litigants from exercising their litigation rights, ensure that the people's courts can find out the facts, distinguish right from wrong, correctly apply the law, hear economic disputes in time, confirm the relationship between economic rights and obligations, sanction economic violations, protect the legitimate economic rights and interests of the litigants, maintain social and economic order and ensure the smooth progress of socialist construction.

References:

Alipay official website, Economic Disputes _ Baidu Encyclopedia