If the flower buds are overdue for more than three months, it will be regarded as malicious overdue. At this time, regardless of the overdue amount, there is the possibility of being sued. There is also a special case where the overdue amount is large. When the overdue amount is large, the flower buds less than 3 months can also reserve the right to sue according to the contract. Therefore, it is recommended that users of Huabai should not exceed three months overdue.
After receiving the SMS or phone call, if the user in Bai Hua still fails to repay the loan, the service provider in Bai Hua will send a dunning letter. Usually this situation is to prepare for future prosecution. Please develop a good repayment habit, repay on time, and avoid being sued after the deadline.
With the outbreak of the epidemic again, all parts of the country are actively isolating themselves at home, but there is no fixed source of income, and many debtors are in arrears. So, how long will it take Bai Hua to be sued for overdue debts?
Generally, spending more than three months in loans overdue is deemed as malicious overdue. At this time, no matter how late it is, it is possible to sue, because if Alipay sues, it will package many debtors who owe overdue debts to the accounting firm for unified prosecution, and there will be a negotiation time of about one month after arriving at the accounting firm.
Once the debtor receives a phone call from an accounting firm, it means that he is already in the process of prosecution. Generally, the debtor just started calling to ask about the debtor's overdue debts. If the debtor fails to repay the loan, Alipay will hand it over to the post-loan department (collection) for telephone collection. There are many ways to collect them, such as going to the village Committee or neighborhood Committee where he lives, or even calling friends in your address book. These are all collection methods.
So will the collection really come to the door? Of course not. Generally speaking, the collection will not come to the door. Just scare the borrower and let the friend borrow money to pay it back, so the debtor doesn't have to worry about coming to you.
Once the debtor is overdue, he can negotiate with Alipay to postpone repayment. At present, he can apply for an extension of two years at most, and settle it at one time after two years.
In the past two years, debtors don't have to worry about Alipay's collection and prosecution, because these have stopped.
Generally, Alipay is slow to sue by borrowing money. You may not be prosecuted if you are in arrears for one year100000, so there is no clear time for this, but the probability of prosecution is generally around 6 months-12 months. Because if Alipay sues, it doesn't mean only suing you, but handing over many overdue borrowers to accounting firms for unified prosecution.
How long will it take to be prosecuted?
Yes, there is another special case, the overdue amount is relatively large. When the overdue amount is large, Bai Hua can also reserve the right to sue for less than 3 months according to the contract. Therefore, it is suggested that the overdue time of Bai Hua users should not exceed three months.
After receiving the text message or phone call, if the payment is still unpaid, the flower shop service provider will send a payment notice. Usually this situation is to prepare for future prosecution. Please develop a good repayment habit, repay on time, and avoid being sued after the deadline.
2. If the flower garden is overdue, you should pay off the loan in time, and call Alipay customer service (customer service telephone number: 95 188) to explain the overdue reasons and repayment willingness. You can bind the bank card in Alipay. If the user forgets to repay, the system will automatically deduct money from the card on the last repayment date.
Extended information:
Consequences of expired flowers:
1. generates high penalty interest.
Although the flower garden does not charge fees like the private lending platform, it will still charge a certain fee after it is overdue, and interest will be charged on a daily basis at 0.05% of the outstanding amount in the current period. If this penalty interest is not paid back, it will always be kept in the user's Huabai account and will be regarded as arrears when it expires.
Overdue fee = overdue amount * overdue days *0.05%. For example, if the flower garden is overdue by 5,000 yuan and paid 30 days later, the penalty interest to be paid is: 5,000 * 0.05% * 30 =150.
2. Affect the sesame credit score.
It is difficult to improve the credit score of Alipay, but as long as it is overdue, it is really simple to reduce the credit score. If the sesame credit score is lowered, it will have a certain impact on users' future use of Ali products, and the entrance to Bai Hua may be permanently closed.
In addition, Alipay involves more and more fields, and users with high credit scores can enjoy services such as free deposit and credit visa. , and users with expired flowers can't enjoy these services.
3. Affect credit reporting.
In the past, if the flowers were overdue, it might not directly affect the credit information, but it would reduce the sesame credit score.
How long will flowers be sued if they are overdue?
Alipay will be sued if it is overdue for more than 3 months.
No repayment within the same day: Ant Flower Garden will first understand that you forgot to repay for a while, so it will kindly remind the borrower by SMS, customer service phone and other means at the first time.
Do not repay within three days: if the user is still indifferent, do not repay in time. If there is cash in the user's Alipay account, the Ant Flower Garden will automatically deduct the money from Alipay to fill the arrears in the Ant Flower Garden.
No repayment within five weeks: If the user still fails to pay back the money, your sesame credit score will be deducted, and your friends and relatives will be notified through Alipay address book, and your friends' sesame score will also be recorded in the address book.
/kloc-No repayment within 0/0 days: If Bai Hua fails to make dunning for many times, Bai Hua Ant will transfer the debt to the debt company for intervention, and the debt company will make dunning. At this time, it is pulled into the credit blacklist and the bank will sue the borrower.
Consequences of non-return
1, sesame credit score decreased.
Sesame credit score decreased, such as car rental benefits and zero deposit for hotel accommodation. And Taobao shopping can't be used.
2. Generate overdue penalty interest.
If you don't pay it back, there will be overdue penalty interest. The interest rate of ant borrowing is calculated by the day, and you have to pay extra penalty for each day overdue.
3. Become a person who has lost trust.
Alipay has been connected to the credit information system. If you don't repay the loan within the time limit, your personal credit will have a bad record, which will lead to a low credit score of Sesame, and you may be included in the ranks of "Lao Lai", unable to fly, take the high-speed rail, borrow money to buy a house or a car.
4. The prosecution faces judgment.
If you don't return it maliciously, you will be prosecuted and the court will decide. If you refuse to carry it out, you will feel sorry.
If it is overdue, how long will it take for Bai Hua to prosecute?
Within 3 months, if you borrow flowers for more than 3 months, you will face the risk of being sued. Loans overdue for 3 months, as a malicious overdue. Regardless of the overdue amount, the lending institution can choose to sue the debtor. Another situation will also be prosecuted, that is, when the overdue amount is relatively large, it will also be directly prosecuted by the platform. Therefore, it is suggested that the overdue period of borrowing flowers should not exceed 3 months. If the overdue amount is too large, it is recommended to pay off the loan as soon as possible.
2. Alipay flower buds may be collected at home after the deadline, but the collection at home is only to investigate some situations and there will be no excessive behavior. If the door-to-door collection behavior is excessive, users can sue each other with evidence. If you borrow a bud for too long, you will receive a collection call or a collection message. If the debtor doesn't answer the phone and still doesn't repay, the flower shop service provider will send a reminder letter. Generally, when it comes to this step, it means that the Huabai loan platform is ready to sue. It depends on your attitude. Under normal circumstances, if you are overdue at the beginning, the other party will only collect you and will not directly sue. If you keep avoiding or even answering the phone, and you owe a lot, the other party will sue you. If you receive an email, you don't have to worry. It's a three-month collection method. If you borrow it for more than three months, you will face the risk of being sued. Loans overdue for 3 months, as a malicious overdue. Regardless of the overdue amount, the lending institution can choose to sue the borrower. Overdue for more than 3 months, as a malicious overdue. At this time, regardless of the overdue amount, there is the possibility of being sued. There is also a special case where the overdue amount is large. When the overdue amount is large, the flower buds less than 3 months can also reserve the right to sue according to the contract. Therefore, it is recommended that users of Huabai should not exceed three months overdue. After receiving the SMS or phone call, if the user in Bai Hua still fails to repay the loan, the service provider in Bai Hua will send a dunning letter. Usually this situation is to prepare for future prosecution.
What should I do with it?
If the user is overdue for more than 3 months, Bai Hua can sue the user. The higher the amount owed, the greater the possibility of overdue users being sued. In addition to being sued, Hua Bai will receive credit information after the deadline, which will affect his personal credit information. Is the suggestion here active consultation?
See if you can give us more time.
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What should I do?
The customer service telephone number in Bai Hua is 95 188. You can call the customer service telephone number to negotiate.
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