What is the standard for filing overdue lawsuits for online loans?
1. Personal information is packaged.
Many borrowers may package their personal information in order to apply for more quotas when applying for online lending platforms. For example, if the monthly income is only 5,000 yuan, it will be packaged into 8,000 yuan. Obviously, there is no fixed bank flow. In order to increase the loan amount, we directly spend money to make a fake bank flow sheet.
When these situations happen, after the online loan is overdue, the online loan platform verifies the authenticity, and it is very likely that the borrower will be sued for "fraudulent loan" and directly characterized as a criminal case. After being sued, the borrower may bear criminal responsibility.
2. The overdue time is too long
When the borrower is overdue for more than three months, the online lending platform will think that the borrower is maliciously overdue or simply unable to repay the arrears. In order to ensure the safety of funds, online lending platforms may choose to directly sue borrowers. Most of these cases are civil cases, and the worst result that the borrower needs to bear is that the assets are auctioned and become the untrustworthy executor.
3. The overdue amount is large.
Borrowers have good personal qualifications, and online lending platforms often give higher loan quotas. When the borrower is overdue, the online lending platform generally chooses to resort to the law in order to recover the principal. The general limitation of action is two years from the agreed maturity date of the loan, and the platform has issued more than two effective collections to the borrower. If the borrower still fails to repay the loan, the platform can file a lawsuit.
The above is the sharing of the relevant contents of the "Standards for Late Prosecution of Online Loans", hoping to help everyone!