Is it true that you sent a message that you were accused of defrauding loans?

General online loans will not be prosecuted if they are overdue. Only when the customer has a malicious overdue platform can the lender be sued. Under normal circumstances, the customer overdue loan platform will take the following measures. Report to the credit information system, calculate overdue penalty interest, and reduce the loan amount. Regarding whether the online loan is overdue, the following is a detailed answer from the network editor. 1. Is it true that online loans are overdue? Online loans are generally not prosecuted. Only when the customer has a malicious overdue platform can the lender be sued. Under normal circumstances, the customer overdue loan platform will take the following measures. 1, report to the credit information system. 2. Calculate overdue penalty interest. 3. Reduce the loan amount. 4. Freeze the loan amount. 5. Call for collection. It can be seen that even if the lending institution does not sue the lender, the customer still needs to bear the corresponding overdue consequences, and these consequences have a great impact on the customer. Therefore, after customers apply for loans, they should maintain a good credit record and not overdue. If they feel that they can't get the loan, they should also contact the lending institution in time to see if they can apply for a loan extension and try their best to win more initiative for themselves. Of course, the most important thing is that customers need to be rational when lending, fully consider their repayment ability, borrow reasonably on the premise that personal income can cover loan expenses, and try not to bring too much debt pressure to their later life. Second, what will happen if the online loan is overdue? 1. Telephone and door-to-door dunning Generally speaking, if the last repayment date is more than three days and the lending institution has no time to wait for the repayment amount, it will ask the borrower for information by telephone dunning. Of course, borrowers can also take this opportunity to tell the truth, play sympathy cards, and strive for a grace period for repayment. However, if the arrears are delayed again and again, the lending institutions will no longer have hope. Only when they are disappointed, the next action is likely to be door-to-door collection. 2. Bring a lawsuit to the court. If the collection is unsuccessful, the lending institution will take out legal weapons to safeguard its rights and interests. Under the way of mortgage loan, the court will advocate the auction of collateral, and the proceeds from the auction will be used to repay the remaining principal and interest, attorney fees, legal fees and other expenses in priority. If there is any surplus, it will be returned to the borrower in full. This is an easy process, but it may not be easy to do. It will take at least three months to cash in the assets. During this period, the borrower can raise funds to win the battle for assets, and use the funds to withdraw the lawsuit from the lending institution. With the convergence of credit loans, borrowers still cannot escape legal sanctions and need to repay loans with assets in their own names. 3. Personal credit is destroyed. Once a borrower has a loan transaction with a bank, all repayment behaviors will be recorded by the central bank's credit information system and truthfully reflected in the credit information report. Borrowing money online is to use the Internet to establish a trading relationship online, which naturally belongs to the category of Internet finance. What should I do if the small online loan is overdue? Generally speaking, if the final repayment date is more than three days, the lending institution still fails to wait until the repayment amount appears, and will call the borrower for information. Of course, borrowers can also take this opportunity to tell the truth and play a sympathy card for the grace period of repayment. You can negotiate first and then try to repay. If it is an online loan, you can't escape, otherwise you will go to jail. Never touch usury, you really need to contact and keep all kinds of audio-visual evidence. Generally, the company will call for payment, followed by litigation, and you can ask a lawyer to safeguard your rights and interests. You should think carefully before applying for a loan. Once the interest is rolled, it is difficult for people with insufficient financial resources to pay it off. The above is the related content compiled by Bian Xiao. Online loans are generally not prosecuted when they are overdue. Only when the customer has a malicious overdue platform can the lender be sued. Under normal circumstances, the customer overdue loan platform will take the following measures to report to the credit information system and calculate overdue penalty interest. If you have other needs, please do one-on-one legal consultation online.