Zhongyuan consumer finance is three months overdue. If the overdue situation is bad and the overdue amount is large, you can sue. The user is not maliciously overdue and has negotiated repayment with Zhongyuan Consumer Finance. Although it is overdue for three months, Zhongyuan Consumer Finance will not sue users.

In fact, Zhongyuan Consumer Finance rarely sues users after they are overdue.

In many cases, it is mainly based on collection. Even if the user is sued, Zhongyuan Consumer Finance will withdraw the lawsuit as long as the negotiation is successful. After all, the purpose of the lawsuit is to make users repay.

Extended data:

Henan Zhongyuan Consumer Finance Co., Ltd. (hereinafter referred to as "Zhongyuan Consumer Finance Company") was established at the end of 20 16. It is a national non-bank financial institution approved by China Banking Regulatory Commission.

Established by Zhongyuan Bank and Shanghai Yiqian Network Information Technology Co., Ltd. * * *, in September 2065438+2009, with the approval of Henan Banking Insurance Regulatory Bureau, the company introduced Huaping Investment as a new shareholder member, which brought new opportunities for the company's development.

The company is headquartered in Zhengdong New District, Zhengzhou City, Henan Province, with a registered capital of 2 billion yuan.

Adhering to the development concept of "compliance first, risk prevention and control, technology-driven", relying on shareholders' strong financial strength, pragmatic management team and rigorous risk control ability.

Zhongyuan Consumer Finance Company digs deep into the sub-sectors closely related to residents' lives, and makes rational use of shareholders and third-party resources around consumption scenarios and key target markets such as food, clothing, housing and transportation.

Committed to providing individual consumers with consumer loans and installment services through technological innovation, channel integration and big data application, building a consumer finance ecosystem, meeting customers' demand for a better quality of life, giving consumers a good consumer experience with brand-new consumer finance scenarios, and practicing "inclusive finance" with practical actions.

Overdue is a Chinese character, pinyin is yúqι, which generally means that the corresponding obligations or responsibilities are not fulfilled beyond the agreed time, such as not repaying within the agreed repayment period, not paying taxes and fees in full before the specified time limit, etc.

Loans overdue usually refers to the phenomenon that after the loan expires, the borrower fails to repay the principal and interest of the loan to the bank that issued the loan according to the loan term agreed in the loan contract, and fails to go through the relevant extension or lending procedures, resulting in the loan exceeding the agreed term.

As the first line of defense of loan risk, the review post should pay attention to the acceptance process and be vigilant. Examining the completeness, completeness and compliance of the application materials submitted by the applicant;

Whether the applicant's subject qualification meets the relevant business requirements of our bank and whether it has a bad credit record; Whether the loan purpose is in line with our credit policy and whether it is specific;

Whether the loan investigation report is complete, whether the calculation of key financial indicators is accurate, whether the obtained data is cross-verified, whether the customer credit rating table is reasonable, and whether the palm reading suggestion in the investigation report is reasonable;

Verify the borrower's information by telephone to ensure that the guarantor of the loan understands its guarantee responsibility and whether the team members of the joint guarantee loan understand its joint liability.

The unqualified business is returned to the loan officer, and the loan officer supplements the corresponding materials or refuses to lend according to the examination opinions.

How long will consumer finance be sued if it is overdue?

Consumer finance is overdue for 3 months, and users may be sued. Generally speaking, if the overdue time exceeds 3 months, then the user is suspected of maliciously overdue repayment, and consumer finance will choose whether to sue the user according to the serious situation of overdue. However, consumer finance loans are mostly micro-loans, and micro-loans overdue, consumer finance rarely sues users.

Prosecution requires a certain amount of manpower and material resources. Even if the debt is recovered, the cost may be higher than the debt recovered, which is not cost-effective for consumer finance. Therefore, consumer finance tends to recover the arrears through collection. If the arrears are not recovered, the consumption amount will be directly treated as bad debts. In this case, consumer finance will not sue users.

If the user is overdue or often overdue, then consumer finance may sue the user. After being sued, users must take the initiative to negotiate with consumer finance. As long as the two sides reach an agreement, consumer finance will drop the lawsuit.

What will happen if Zhongyuan consumer finance is overdue for more than one year?

1. If Zhongyuan Consumer Finance is overdue for one year, it may come to the door, mainly depending on the overdue amount and overdue time of the borrower. If the borrower owes a large amount, it is likely to face door-to-door collection if it is overdue for one year; If the borrower owes a small amount, even if it exceeds the deadline by one year, no one can ask for special repayment, but the details are uncertain. What we need to know is that the late payment fee that overdue loans must face is proportional to the time and the negative impact of credit reporting. If the loan is not repaid for a long time, it may become an anonymous account and it is difficult to handle all kinds of loans.

2. If the borrower's overdue amount is small, he may not go home for one year, but the specific door cannot be determined. Therefore, after we apply for financial consumer products, we must repay them in time, otherwise it will have a great impact on ourselves. Personal credit has left a stain, and bank loans, car loans and commercial loans will be restricted; China Bank's consumer finance employees have been urging money, and even have the risk of being sued by the court; Due to the accumulation of overdue penalty interest, the repayment pressure is further increased. What should China Bank do if its consumer finance is overdue for one year? Actively communicate with the customer service staff of BOC Consumer Finance to negotiate a repayment plan acceptable to both parties; When the repayment amount is compressed to the lowest possible level, raise funds to repay debts in one lump sum or in batches; After the arrears are paid off, the credit information system will automatically clear the non-performing loan records five years later; During the waiting period, credit can be restored through timely payment of utilities, gas bills and other performance behaviors.

3. Pay interest on liquidated damages: Zhongyuan Consumer Finance pays interest on overdue liquidated damages. The longer the overdue time, the higher the payment fee; Experience collection: there is no insurance payment in Zhongyuan consumer finance, and no one will bear the loss and urge the payer to repay in time. Zhongyuan consumer finance can contact the close contacts and work units of the borrower when necessary, which may interfere with the life and work of the borrower; Bad credit investigation: if it can pass the audit of Zhongyuan consumer finance, the credit conditions are qualified. If it is overdue, Zhongyuan Consumer Finance will truthfully report the overdue situation to the Credit Information Center of the People's Bank of China, and the Credit Information Center of the People's Bank of China will produce bad credit records, which will affect the future credit life.

Zhongyuan Consumer Finance Prosecution: If the borrower fails to repay the loan within the time limit and the repayment amount is too high, Zhongyuan Consumer Finance will sue. The court will force repayment or repayment of debts, and if the debtor refuses to repay, he will be blacklisted as a defaulter.

Will Zhongyuan Consumer Finance be sued if it is overdue for one year?

Zhongyuan consumer finance is one year overdue. If the overdue amount is relatively large, it may be sued by Zhongyuan Consumer Finance. Generally speaking, this kind of loan company will deal with it in different degrees according to the amount and time of overdue, and can establish effective communication and consultation with the company after overdue. And according to the relevant laws and regulations, if a lawsuit is filed, the people's court shall send a copy of the complaint to the defendant within five days from the date of filing the case. Article 125 of the Civil Procedure Law of People's Republic of China (PRC), the people's court shall send a copy of the indictment to the defendant within five days from the date of filing the case, and the defendant shall submit a reply within fifteen days from the date of receipt. The defense shall specify the defendant's name, gender, age, nationality, occupation, work unit, residence and contact information; The name and domicile of the legal person or other organization and the name, position and contact information of the legal representative or principal responsible person. The people's court shall send a copy of the defense to the plaintiff within five days from the date of receiving the defense. If the defendant fails to submit the defense, it will not affect the trial of the people's court. Article 675 of the Civil Code of People's Republic of China (PRC) * * * The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.