Has anyone been brought to court by the provincial authorities?

Legal analysis: Generally, no prosecution will be initiated, but a late fee will be charged: 5% of the outstanding principal in the current period will be charged as a late fee if it is overdue for three months. Penalty interest will also be charged: from the last repayment date, 0. 1% of the unpaid principal will be charged as penalty interest every day for these three months. If you don't pay it back all the time, you will call/text message for collection: the borrower will be collected after the deadline, usually in the form of text message or phone call. Those who refuse to repay the loan can be sued: loans overdue has reached the standard of prosecution for three months, and the province can sue the borrower and apply to the court for compulsory execution.

Legal basis: Article 119 of the Civil Procedure Law of People's Republic of China (PRC), the 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.