Why do you always get text messages announcing Ceng Tingting loans overdue's case?

It should be that the person involved in the case mistyped the phone number for you, so just pretend you didn't see it.

Loans overdue usually refers to the phenomenon that after the loan expires, the borrower fails to repay the loan principal and interest to the bank or institution that issued the loan according to the loan term agreed in the loan contract, which leads to the loan exceeding the agreed term.

Generally speaking, for loans overdue's behavior in a short period of time, the lending institution will regard it as non-malicious overdue. As long as the lender pays off all the debts immediately, it will not pursue the lender's responsibility and will not submit a credit report. The central bank stipulates that loans overdue within 90 days are regarded as overdue loans, not malicious overdue loans. For long-term overdue behavior, mainly the number of overdue days exceeds 90 days, then the lending institution will identify the overdue loan as malicious overdue, and the loan will be classified as "bad debt".

Loans overdue does not constitute a criminal offence:

1. First of all, whether it constitutes a criminal offence or whether it will go to jail depends not only on the time of arrears, but also on the principal amount of arrears;

2. If the amount of principal owed reaches 1 10,000 yuan or more, and it has not been returned for more than 3 months after being collected by the bank twice, it shall be deemed as suspected of fraud in criminal law, and shall be sentenced to fixed-term imprisonment of not more than 5 years or criminal detention according to law, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan;

3. If the amount is relatively large, and all overdraft interest has been repaid before the public security organ files the case, and the circumstances are obviously minor, criminal responsibility may not be investigated according to law.