Legal notice of overdue online loan

1. Users who receive the notification should not panic. They should look for a subpoena from the court first. If they are really prosecuted, the court will call the users. If the contact information is changed, the court will not be able to contact the borrower and the summons will be mailed to the borrower. If it has not been received, it will be published in the newspaper;

2. If the network overdue loan is sued, users need to actively respond, because failure to respond will be judged as giving up the right to refute.

Online court

1. Cybercourt is actually an "Internet court" and a new trial mechanism. It relies on the online litigation platform to realize the whole process of prosecution, filing, proof, trial and judgment, so that the parties can complete the lawsuit online without running offline once.

2. Moreover, the online court is not only true, but also legally effective. It is understood that the types of cases it accepts at present mainly include credit card disputes, private lending disputes, online shopping contracts and other economic disputes. For example, there are internet courts in Hangzhou, Beijing, Guangzhou and other places, and the parties do not need to rush to the court. The whole process of litigation, such as prosecution, mediation, filing, service, trial, judgment and execution, can be "networked" online.

3. In addition, if the case is not suitable for online trial after review by the court, the traditional offline court session will be adopted, but other links will still be completed online. Generally speaking, credit reporting agencies, large companies and formal companies will file lawsuits on online loans, such as Ant Flower Bank under Alipay, JD.COM White Bar and JD.COM Gold Bar under JD.COM, and Qianhua under Baidu. After a certain period of collection, there was no result, and the borrower could not be contacted, so they filed a lawsuit in court.

Legally speaking, if the borrower fails to repay the loan within the time limit, the lender has the right to sue the borrower and demand repayment. The limitation of action for prosecution is within 3 years after the agreed repayment date expires, that is to say, you borrowed the money from the other party, and the result has not been returned by the agreed repayment date, and the other party can bring a lawsuit to the court within 3 years. However, each platform has different standards for overdue prosecution. Generally, if it is overdue for two or three months to six months, the platform will bring a lawsuit to the court.