Is it true that JD.COM wrote IOUs?

Most of them are fake. Whether to prosecute depends on whether you have received a court summons and a short message from 12368.

Why do I say most of them are false? There are mainly the following aspects:

After JD.COM's IOUs are overdue, we will entrust a tripartite collection company to collect them for you. Therefore, whether the other party informs you by phone or text message and wants to sue you, these are all collection methods. Because it's not up to them to decide whether to prosecute or not. They just want to put pressure on you to pay back the money. Because only when you repay the loan can the collector get the performance commission. So if you listen to the collector and want to sue you, it's basically false. As a platform, I don't want to go to court. Because this is time-consuming and laborious, the main reason is that JD.COM has no local outlets or offices. In general, the prosecution process is very simple. Just submit a lawsuit application to the court of the borrower's domicile. But it is impossible for JD.COM to arrange a lawyer from the headquarters to sue you at your residence. And once the litigation process is gone, this time will be very long. So JD.COM can't afford it, so under normal circumstances, it won't prosecute. JD.COM's IOU is overdue, which must be the credit of the meeting. And overdue records will be displayed in the credit report. Therefore, the longer the overdue time, the greater the impact on credit reporting. Generally speaking, if it is overdue for more than 3 months, it belongs to the black household of credit investigation. Any financial products you want to apply for are not approved. Well, since you are worried about being sued now, it can be judged that you can't afford to pay for it in a short time. So at this time, credit information is meaningless to you. From the aspect of prosecution, whether to prosecute or not depends on the court summons and the short message sent by 12368. So if you don't receive these, it's just that the other party asked you to sue you. In fact, this is basically a collection routine. Moreover, due to the above two reasons, online loans will basically not go through litigation procedures.

Then let me tell you the worst. JD.COM sued you. If the other party wants to sue you, it will generally not go to your residence to sue. It will choose to sue you at its Beijing headquarters. This is also a lawsuit in a different place, but in a lawsuit in a different place, we can raise an objection to the jurisdiction and let the court reject the other party's claim. At this time, the other party can only sue you in your household registration. So this goes back to the reason why JD.COM didn't prosecute. Moreover, the overdue amount of IOUs of most customers in JD.COM is relatively small, and it is not worth taking legal proceedings at all. Therefore, compared with entrusting a three-party collection company, JD.COM prefers the collection personnel to continue the collection, rather than taking legal proceedings. You should know that there are many overdue customers in JD.COM, and each customer is not together, so it is impossible to sue in batches. If everyone goes to the borrower's domicile to sue, then this financial and material resources are very huge. And for an enterprise, the more lawsuits there are, the more difficult it will be to raise funds in the future. So no matter from which angle, the probability of being sued is very low.

This is the worst case. If JD.COM really sues you, you can go to the court and negotiate with the other party to pay off the liquidated damages and part of the interest at one time. Besides, it takes a long time to sue, so you have enough time to raise money. But in the end, I still want to say that after JD.COM's overdue IOUs, the probability of being sued is very low.