Three consecutive overdue payments refer to the failure to repay the loan or perform the repayment obligation on time within the period specified in the loan agreement or loan contract. Specifically, "three consecutive six months" means that the loan is overdue for three consecutive months or overdue for more than six months in total. The following is a detailed explanation of three consecutive overdue payments:

1. Overdue for three consecutive months: Overdue for three consecutive months means that the borrower fails to repay the loan as agreed in the loan agreement for three consecutive months. Return the loan or fulfill the repayment obligation on the payment date. The borrower did not take any remedial measures during the overdue period, resulting in the continuous extension of the overdue period.

2. Accumulated six months overdue: Accumulated six months overdue means that the borrower has been accumulatively overdue for more than six months within the period stipulated in the loan agreement. In this case, the borrower may be overdue multiple times, and each overdue period may not be consecutive, but the cumulative total is more than six months.

Three consecutive overdue payments usually involve the borrower’s failure to repay the loan or fulfill its repayment obligations on time, which may cause the following problems:

1. Overdue interest and penalty interest: According to According to the provisions of the loan agreement or loan contract, the borrower may need to pay additional overdue interest and penalty interest during the overdue period. Overdue interest is calculated based on the overdue amount, and penalty interest is set to punish the borrower for default.

2. Bad credit record: Three consecutive overdue payments will have a negative impact on the borrower’s credit record. Banks, lenders, and other financial institutions often report borrowers' overdue records to credit bureaus, which can cause a decline in the borrower's credit rating and affect future credit loan and borrowing applications.

3. Collection and legal procedures: The borrower may take collection measures after the borrower is overdue for three consecutive months or six months cumulatively. This includes notifying in writing, calling for collection, entrusting a third-party collection agency, etc., and may even take legal proceedings to recover unpaid loans.

In short, overdue loans refer to the failure to repay the loan or perform the repayment obligation on time within the period specified in the loan agreement or loan contract. Overdue payments may result in additional fees, adverse credit history, and collection and legal proceedings. Therefore, borrowers should fulfill their repayment obligations in a timely manner to avoid being overdue three times in a row.

Extended information: Lian San Lei Liu is overdue and is subject to the supervision of laws and regulations in China. According to relevant Chinese laws, after a borrower makes overdue repayments, the borrower and the borrower can resolve disputes through negotiation, mediation, arbitration, etc. If it still cannot be resolved, you can file a lawsuit in court. It is worth noting that specific legal provisions may differ in different regions and under different circumstances. Therefore, borrowers should consult professionals and understand the relevant local laws and regulations according to the specific circumstances when encountering three consecutive overdue situations.