Zhongyuan consumer finance is one year overdue. If the overdue amount is high, or users often overdue, then Zhongyuan Consumer Finance may sue users. If the overdue amount of the user is not high, or it is not often overdue, then Zhongyuan Consumer Finance will not sue the user. After all, suing users requires a certain amount of manpower and material resources. When the overdue amount is not high, it is not worthwhile.
Many times, Zhongyuan consumer finance prefers to recover overdue debts through collection, so that it can recover arrears at the lowest cost. As for whether to prosecute, it depends on the actual situation. Most of the Zhongyuan consumer finance loans applied by users are small loans, so Zhongyuan consumer finance will not sue users after loans overdue.
Although the user will not be prosecuted, after the overdue consumer finance in Zhongyuan is overdue, the overdue records will be collected by the meeting, and the overdue records in the credit information will lead to poor personal credit information.
Will consumer finance really sue?
It's true.
Received SMS notification of consumer finance. There will be the following situations: if you borrow money on the consumer finance platform for a certain period of time, then the SMS notification you received may be true. Of course, it is not excluded that some consumer financial platforms will put pressure on you in this way. If this happens, it is best to negotiate with the consumer finance platform and pay back the arrears as soon as possible. If we drag on, there may be other negative effects besides being sued. Finally, I advise you not to borrow too much! Because some consumer financial institutions will sue users who are maliciously overdue, users may also receive notice of filing arrears. However, many consumer financial institutions and lending platforms will put pressure on debtors by sending SMS notifications, but they have not actually prosecuted, so many people do not believe it. But if you receive a court summons or something, you need to pay attention. Of course, users should maintain good repayment behavior whether they sue or not. After all, in addition to prosecution, there are many negative effects caused by overdue. For example, after these platforms are overdue, they will report credit information to the central bank, and the platform and the third party will call emergency contacts. The overdue penalty interest will accumulate with the number of overdue days, so everyone should deal with the arrears as soon as possible. Once you need to sue, it will be more troublesome.
Generally, the arrears are overdue for more than 90 days, and no matter how much money, they will be prosecuted. If your debt is personal, it is a civil dispute and belongs to the scope of court acceptance. There is no legal minimum amount of debt. In theory, if you owe one yuan, you can also sue in court. If the amount owed is relatively small, it is up to the parties themselves to decide whether it is worth suing. If the borrower is really unable to repay, he should negotiate with the bank as soon as possible to express his willingness to repay and reach a repayment agreement as far as possible. If no agreement can be reached, the bank will file a civil lawsuit, and the court will mediate or make a judgment according to the situation. If you owe money to the bank, no matter how much, it will be very serious if you don't pay it back for more than three months.
How long will Zhongyuan Consumer Finance be sued for overdue?
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.