I. Length of overdue time
There is a difference in the length of overdue time. If the lender exceeds the repayment date by a few days, he will generally call to urge and will not sue. However, if the overdue time is too long, and I can't be contacted at the same time, and I can't know my repayment intention, I will usually sue the court and ask the lender to repay within the specified time. If the lender fails to repay the loan within the specified time, the court may take coercive measures such as detention and punishment, which is not worth the loss to the lender.
Two. Lender's willingness to repay.
Generally, after loans overdue, the customer service will call the lender to inquire about the situation. If the lender has a strong willingness to repay and promises to repay within a few days, it is less likely to sue the loan at this time. After all, it's business, and it's not good to cooperate again. However, if the customer service contacts the lender after the deadline, the lender has a bad attitude and even refuses to answer the phone, and there is no relevant indication that it will repay. At this time, the lender may be sued.
3. What is the loan amount?
In addition, the amount of the loan is also a major reason for whether it will be prosecuted. If the loan amount is relatively small, within the lender's repayment ability, the lender also expressed his willingness to repay, and the platform generally will not sue. However, if the loan amount is huge and the overdue time is long, then the platform is likely to sue. After all, no one's money is blown by the wind. After the general prosecution, the court will require the lender to repay the loan at the specified time.