How long will JD.COM gold bars be sued if they are overdue, and will they really come to you?

Gold bar bills will be prosecuted after 3 months overdue. According to the actual feedback of most users, after the borrower's gold bars are overdue, the gold bar platform will have special collection personnel to collect them. Regardless of the collection method, the original intention of the gold bar platform is to recover the arrears. One month before the bill is overdue, it is usually collected by phone or SMS. If the principal owed by the borrower exceeds 6,543,800 yuan, it is very likely that the gold bar platform will choose to sue the borrower after the bill is overdue for 3 months, and it is also very likely to choose to come to the door.

Strictly speaking, as long as the borrower's gold bars are overdue, the gold bar platform has the right to sue the borrower immediately. However, in reality, the borrower's gold bar bill is overdue, and the gold bar platform will not immediately sue the borrower. Therefore, prosecution requires a lot of time and manpower, and even the gold bar platform needs to bear the prosecution fee.

According to the actual feedback of most users, after the borrower's gold bars are overdue, the gold bar platform will have special collection personnel to collect them. One month before the deadline, collect by telephone, SMS, etc. If it is overdue for more than 3 months, gold bar collectors are likely to choose to negotiate repayment at home.

If the borrower owes a large amount of gold bar bill and the principal exceeds 1 000 yuan, the gold bar platform is likely to choose to sue the borrower after the bill is overdue for 3 months. Regardless of the collection method, the original intention of the gold bar platform is to recover the arrears. As long as the borrower clearly expresses his willingness to repay the loan, there is a high probability that he will not be prosecuted.

If the borrower's gold bar bill is overdue for more than 3 months, it is very likely that the collector will choose to come to the door in order to urge the arrears. However, according to the law, when collectors come to collect money, they need to bring third-party personnel as witnesses, and they cannot collect money by threats, intimidation, harassment and other means.

legal ground

Article 509 of the General Principles of Civil Law of People's Republic of China (PRC), the parties shall fully perform their obligations as agreed. The parties shall abide by the principle of good faith and fulfill the obligations of notification, assistance and confidentiality according to the nature, purpose and trading habits of the contract. During the performance of the contract, the parties shall avoid wasting resources, polluting the environment and destroying the ecology.

Article 510 of the Civil Code of People's Republic of China (PRC) (Remedies Not Agreed or Not Clearly Agreed) After the contract comes into effect, if the parties have not agreed or clearly agreed on the quality, price or remuneration, place of performance, etc., they may supplement the agreement; If a supplementary agreement cannot be reached, it shall be determined in accordance with the relevant provisions of the contract or trading habits.