What will happen if the notice letter is sent late?

After receiving the notification letter after the online loan is overdue, we must first determine the authenticity of the notification letter. If it is true, then actively respond to the lawsuit; If it is false, it can be ignored. However, online loans must be repaid in time, otherwise they will be overdue.

1. What should I do if I receive the notification letter after the online loan is overdue?

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.

Second, online loans were cheated. Can the police money be recovered?

The online loan was cheated, and it is possible to recover the money after successfully detecting the case after the alarm. Whoever defrauds public or private property in a relatively large amount shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also, or shall only, be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined.

Third, what should I do if the online loan is overdue?

1. Use the minimum repayment function.

Every bank will have a minimum repayment function. As long as the minimum repayment amount is paid, the bank will not charge late fees and will not affect personal credit. But the minimum is to charge interest, five ten thousandths of interest every day, so you only need to pay the minimum. Although the pressure will be reduced, it will generate compound interest, which will be more troublesome and can only be used for temporary relief.

2. Use the segmentation function.

If there is pressure on repayment, you can directly apply for bill installment. General banks provide * * * energy for phases 3, 6, 9, 12, 18, and 24. You can choose the number of phases according to your repayment ability, which can reduce the repayment pressure without affecting your credit.

3. Change the bill date to extend the repayment period.

The billing time can't be changed casually. Generally speaking, it can only be changed once every six months. Some banks change it once a year, while others can only change it once.

4. Actively negotiate with the bank to explain the situation.

If it is really because of special circumstances such as work, you can take the initiative to call the bank, explain the reasons, prove that it is not malicious and there are reasons, and discuss whether you can delay repayment. Don't ignore the bank just because you changed your phone, so your personal credit will be lost unless you don't deal with the bank in the future.

If the online loan is overdue, we must first find out the authenticity. If it is true, entrust a lawyer to actively respond to the lawsuit. If the online loan is cheated, it is necessary to call the police in time, and the loan recovered later will be returned to the parties. If you are unable to repay, you can negotiate with the bank to postpone repayment or repay in installments.

legal ground

Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases

Article 28. Where the Borrower and the Lender have agreed on the overdue interest rate, such agreement shall prevail, but it shall not exceed four times the market quotation of one-year loan at the time of the establishment of this Contract. If the overdue interest rate is not agreed or clearly agreed, the people's court may deal with it according to different circumstances: (1) If neither the interest rate within the loan term nor the overdue interest rate is agreed, the people's court shall support the lender to claim that the borrower shall bear the liability for breach of contract for overdue repayment from the date of overdue repayment with reference to the interest rate standard listed in the one-year loan market at that time;

(2) If the interest rate during the loan period is agreed, but the overdue interest rate is not agreed, the people's court shall support the lender to claim that the borrower shall pay the interest during the capital occupation according to the interest rate during the loan period from the date of overdue repayment.

Article 29 The lender and the borrower have agreed on overdue interest rate, liquidated damages or other expenses. The lender can choose to claim overdue interest, liquidated damages or other expenses, or both, but the people's court will not support the part that exceeds 4 times the quoted interest rate of the one-year loan market when the contract is established.