Zhaolian Finance sent a text message saying that it would apply to the local authorities for filing a case when it was overdue.

Legal analysis: There are no very serious consequences. The overdue of Zhaolian Finance belongs to the field of economic disputes and can be solved directly through litigation. There are not too many bad consequences. Only if you are suspected of fraud can you be held accountable by calling the police.

1. If the deduction fails or the customer forgets to repay on the repayment date, the system will have a three-day repayment grace period.

2. Repayment within the repayment grace period is not considered overdue, and no penalty interest will be generated.

3. If the repayment is not made after the grace period of 3 days, it will be deemed as overdue, and the penalty interest will be calculated from the first day after the repayment date.

4. Article 196 of China's Criminal Law mentions that as long as you and yourself ask for payment for three times, you can go directly to the public security inspection law and make a judgment. This is not a civil matter, but a criminal matter, but there will be many text messages and telephone reminders before that.

Legal basis: People's Republic of China (PRC) Civil Procedure Law.

Article 6 The judicial power of civil cases shall be exercised by the people's courts.

The people's courts try civil cases independently in accordance with the law and are not subject to interference by administrative organs, social organizations or individuals.

Article 119 A prosecution must meet the following conditions:

(1) The plaintiff is a citizen, legal person and other organization that has a direct interest in the case;

(2) Having a clear defendant;

(3) Having specific requests, facts and reasons;

(4) It falls within the scope of civil litigation accepted by the people's court and is under the jurisdiction of the sued people's court.

Article 123 The people's court shall guarantee the right of prosecution enjoyed by the parties according to law. A lawsuit that conforms to Article 119 of this Law must be accepted. Those who meet the conditions for prosecution shall file a case within seven days and notify the parties concerned; If it does not meet the conditions for prosecution, it shall make a ruling within seven days and refuse to accept it; If the plaintiff refuses to accept the ruling, he can appeal.