1. Case 1: Xiaoming failed to repay the loan on time due to personal reasons, and the lending institution filed a lawsuit for enforcement. The court ruled that Xiao Ming must repay the overdue loan principal and interest, and bear the liquidated damages and litigation costs.
2. Case 2: Xiao Wang owes a lot of money and doesn't pay it back many times. The lending institution decided to take the form of civil litigation and sue Xiao Wang to the court. The court finally ruled that Xiao Wang must repay the overdue loan principal and interest in full and bear certain liquidated damages.
3. Case 3: Xiao Li neglected to pay attention to the repayment date, resulting in overdue repayment. Lending institutions adopt arbitration procedures, and the final arbitration result requires Xiao Li to repay the overdue loan principal and interest and pay a certain penalty.