Joke Collection Website - Public benefit messages - Is it true that the loan is overdue by more than 1 thousand, almost a year and then you sent a text message today, saying that you want to submit it to the court in this city for prosecution?

Is it true that the loan is overdue by more than 1 thousand, almost a year and then you sent a text message today, saying that you want to submit it to the court in this city for prosecution?

If a sentence is to be imposed after the deadline, it shall be repaid in time.

once the real legal documents are received, it means that the overdue period has really attracted the attention of the organization and entered the right legal procedure. At this time, if you deliberately don't pay back the money, the first thing to do is to collect and sort out the evidence that is beneficial to you quickly and accurately to protect your legitimate rights and interests.

In fact, the Loan Agreement used by general lending platforms clearly stipulates that if the lender is overdue for more than 9 days, the borrower will escape, refuse to communicate or refuse to admit the debt after the overdue period, and all lenders unanimously agree to transfer the creditor's rights under the agreement to the lending platform for unified debt collection. It is completely legal for the online loan platform to sue the untrustworthy executor. The trial will be conducted in accordance with the law, regardless of whether it arrives at the court site.

Extended information:

Consequences of overdue auction loan:

1. A quality assurance service has been set up for investors

to apply to the loan list marked as "compensation". According to a certain proportion of the funds borrowed through the auction loan platform, the borrower pays the money to the auction loan, which will be kept by the auction loan as a special fund for quality assurance.

The special fund for the quality assurance of the auction loan is deposited in the depository account of the commercial bank. As of July 31, 217, the balance of the risk reserve account of the auction loan is RMB 628,646,393.39. Once the borrower is overdue, the auction loan will advance the investor's due principal and interest from the special fund for quality assurance.

2. If the borrower

is overdue, measures such as collection and fines will be taken against the borrower, and the borrower needs to pay the overdue benefits to the investor and pay the fee for the auction loan.

collection standard of overdue interest: overdue interest per period = overdue principal per period * .7‰ * accumulated overdue days;

collection fee: the lender who actively participates in the collection will be rewarded or the collection cost will be subsidized by the auction loan. Collection standard of reminder fee: reminder fee per installment = overdue principal per installment * .6% * accumulated overdue days.