Will the court make a dunning call to Alipay?

Hello! If your flower buds are in loans overdue for three months, Alipay will of course send a text message saying that it will arrange a collection staff to collect them at home. This is definitely true, but this is definitely not a violent collection.

If you continue to fail to pay off your debts, you will receive a letter from your lawyer and a summons from the court. I suggest you pay back in time.

Overdue repayment refers to the situation that the final repayment period stipulated by Bai Hua is exceeded and the consumption money is not deposited in the designated account in full and on time. The main function of the repayment date is to judge whether the cardholder has a malicious overdraft tendency and judge the cardholder's economic situation.

Therefore, if the borrower repays after the final repayment date, it will inevitably lead to overdue records and serious accounting credit problems. Whether this record can be changed from the credit information in the future needs further consultation with Bai Hua.

In fact, online court is real. Its full name is "Internet Court", and it is also a new trial mechanism and litigation platform relying on the Internet. You can sue, file a case, give evidence, hold a court session and make a judgment, and the parties can complete the lawsuit online without offline. Moreover, Internet courts also have real legal effect. It is understood that the cases it accepts are mostly seen in credit card disputes, private lending disputes, online shopping contracts and so on. There are Internet courts in Hangzhou, Beijing, Guangzhou and other places.

So what kind of cases will the Internet court accept?

Generally speaking, they are all online loans owned by credit reporting agencies, large companies and regular companies. For example, after many times of collection, such as the well-known ant flower buds, ant borrowing buds, JD.COM white bars and JD.COM gold bars, the lending platform could not contact the borrower, so it filed a lawsuit with the Internet court.

What if I receive the indictment?

Step 1: First, confirm the truth. If I am really sued, the court will call me. You can search online or call 1 14 to confirm the truth. At the same time, we must take the court summons seriously. The summons mailed by the court with the court's red official seal is the only legally binding document. If you receive all kinds of lawyers' letters, indictments and arrest warrants from the collection personnel, they are all false.

Step 2: If you are really sued, you should learn to respond actively. If you don't respond, you will give up your right to defend yourself. Moreover, what I want to say is that it is not a bad thing for borrowers to sue to the court after the online loan is overdue. In fact, many illegal small loans have beheading interest and usury. If they are sued to the court, they can save the borrower's interest expenses that exceed the illegal interest rate.

Step 3: Whether you go to the Internet court or not, the loan relationship between the two parties is true, so I suggest that you try your best to check your overdue online loan records on this official WeChat account platform through comprehensive data, and then take the initiative to get in touch with the defaulting institution. Both parties agree on a reasonable repayment plan, do their best to pay off the debts, and fundamentally avoid being sued by the court.