I immediately borrowed 15,000 yuan from the financial department and was overdue for three years, an

1.If you are temporarily unable to repay, you can directly negotiate with the person in charge of the financial institution, and strive to negotiate with the creditor to repay the loan in installments, postpone repayment or reduce debts. If the negotiation fails, after being sued, you should actively respond to the lawsuit, strive to achieve the goal of repaying the loan in installments in court, and actively perform the judgment after it takes effect.

2.In addition, try to earn money to pay off the fees owed to avoid lower credit reporting. Generally, there will be a grace period to try to complete the repayment.

Extended information: How long will the loan be overdue will be on the credit report, to look at the following aspects: 1. Borrowing platform, some online loans will be on credit as long as they are overdue, and some online loans will have a grace period, and they will only be on credit after the grace period has passed.

2. Overdue amount, if the amount of overdue borrowing is relatively small, some platforms will not upload overdue records, but if the overdue amount is relatively large, the speed of credit investigation will be faster. 3. Overdue duration, the longer the overdue time, the higher the probability of getting on the credit report. Legal basis:

Regulations on the Administration of the Credit Reporting Industry.

Article 13: The collection of personal information shall be upon the consent of the information subject, and must not be collected without the consent of the individual. However, in accordance with laws and administrative regulations.

This does not apply to information that is required to be disclosed. Directors, supervisors and senior managers of the enterprise.

Information related to the performance of duties will not be treated as personal information. When the online loan is seriously overdue, it will be on the credit report. Credit reporting establishments will store negative personal information for five years, beginning with the date on which the negative conduct or incident is terminated; If it is more than five years old, it will be deleted.

The specific overdue time of credit investigation depends on the regulations of each financial institution. Legal basis: Article 16 of the "Regulations on the Administration of the Credit Reporting Industry" provides that the period for credit reporting establishments to retain negative personal information is 5 years from the date on which the negative conduct or incident is terminated; where it exceeds five years, it shall be deleted.

Immediate overdue financial arrears will incur penalty interest and overdue credit records, it is recommended that you repay as soon as possible; If the long-term arrears are not repaid, the consumer finance will be submitted to the judicial department for processing, and the specific judgment shall be subject to the judicial department.

Tips: If you have any questions about the use of Immediate Finance, it is recommended to consult Immediate Consumer Finance Customer Service**: 4000368876, working hours: 09:00-22:00.

Hurry up and find a way to pay it back!

Whether it's a bank or an online platform.

Borrowing money must be repaid.

Once it is reported to the personal credit report.

The consequences are by no means a matter of 15,000.

It's not just you. Your child is going to be affected.

Of course, try to return the money as much as possible, because you are now overdue, which will affect your credit.

If this is the case, of course he will go to your house to ask for money after a long time, anyway, I hope you can repay the loan in time, because if it is overdue for too long, it is easy to affect your personal credit.

I've been in debt for almost 30,000 for three years, and I often send me lawyer's letters and court summonses, and if they are sent to you, they will all be kept, and it's illegal to forge court summonses, and there's violent collection, and evidence is retained.

The most disgusting thing is to change the phone number immediately and not return it.

If there is no other loan, it is recommended to repay it, and sooner or later it will have to be repaid. What are the consequences of owing money to immediate finance: financial loss.

There will be a high amount of overdue interest, which is the loan penalty interest. Generally, more and more money will be owed, resulting in huge repayment pressure, and it will be more and more difficult to repay the money; Generating a bad credit record. Once the loan is overdue, it will be recorded in the personal credit report, and it will be difficult to apply for a loan in the future; It was collected by the door.

Immediately Finance is a consumer finance company, with its own collection system, at the beginning it was just a text message reminder to repay, if you refuse to repay, you may be collected by the door, seriously affecting work and life; Sued by the courts. If you have not repaid the loan within a certain period of time, Immediate Finance will sue you in accordance with the contract, and take compulsory measures to liquidate and freeze your deposits and property, and repay the loan losses of the financial institution immediately.

Extended Information:1Is there a credit report on the financial company immediately: The financial company is a formal consumer finance company, and the loans he provides are obtained by credit.

Therefore, if there is an overdue loan, it will definitely be on the credit investigation and leave a bad credit record. Therefore, everyone, friends who have applied for a loan, should make a repayment plan in advance, keep in mind the repayment date, repay the loan on time and in full, and don't spend your credit information.

2.Is Instant Finance Legal: Instant Finance is a rare regular army in the online loan market.

Instant Finance has a consumer finance license issued by the China Banking Regulatory Commission. In other words, Immediate Finance is a financial institution approved by the national regulatory authorities, and although its status is still far from that of banks, it is far higher than the vast majority of online lending platforms. From this point of view, finance is still relatively reliable; Platform Background:

Mama Finance is a consumer finance licensed platform and is subject to the supervision and management of the China Banking Regulatory Commission. The shareholders of Instant Finance include Chongqing Department Store, Sunshine Insurance, Bank of Chongqing, etc. As a loan platform with a strong background, Immediate Finance will not easily fail; Operations:

According to the official announcement of Immediate Finance, Immediate Finance earned 100 million yuan in 2017. For a platform that counts the money to the point, it will be difficult for it to shut down in 2018.

Tsk, more than 3,000 will be repaid if there is no other arrears, why bother, the credit is black, and you are worried about people collecting, why bother.

Sued by the courts. If you have not repaid the loan within a certain period of time, the financial department will immediately sue you in accordance with the contract and take compulsory measures to liquidate and freeze your deposits and property.

A collection method, if you make up your mind and don't want to pay it back, you should not have seen it.

Hello, regular loans are going to be.

If the personal credit situation is linked, the credit information should be checked when applying for borrowing.

If there is a late repayment, it will have a negative impact on the credit of personal rights, so it is recommended that you take out a loan within your means, repay the loan on time and maintain the credit report.

It depends on how your contract is agreed. How much is the principal and interest rate, and how to sign the default clause. Whether it will be prosecuted or not, depending on the situation - the four-year period should have been exceeded.

It is a statute of limitations (the normal statute of limitations is three years), and it is not certain whether the law can sue or not.

Your question is not right, it is quite problematic: there is no contract text at all, how much is the annual interest rate, how much is the liquidated damages, how much is the penalty interest, and ......I didn't say how much the principal was, and I didn't have any useful information! There was only a vague period of about four years, and then I asked if I would sue and how much money should I pay back?

Say nothing, let me guess?

First of all, I can tell you very clearly that this is a collection SMS. Generally, the prosecution can only be initiated by the official immediately, and a formal answer is required.

Notify you. Secondly, if you have money now, you can quickly negotiate to pay it back, and you can ask for a partial reduction in fees. After all, it's on the credit report, and it's not good for you. If you have any other questions, please follow me, I hope it will be useful to you. Hope to adopt, thank you.

Immediate finance is overdue for 3 years, it is seriously overdue, it is impossible to apply for a loan from immediate finance again, the overdue time is more than 90 days, the borrower's credit will become black, it belongs to the credit black account, it is difficult to apply for other travel loans that need to check the credit, and the application for a credit card will also be rejected in seconds.

If the overdue amount is relatively small and is not immediately sued by the financial community, it will only affect the credit investigation, and it will not become a dishonest person subject to execution, which will have a negative impact on the loan, but will not affect the normal daily life and work.

If the loan is overdue, you also need to pay penalty interest, which is overdue for 3 years, and the overdue penalty interest will be a lot, which is an additional loan cost for the borrower.

Legal basis: Article 680 of the Civil Code stipulates that usurious lending is prohibited, and the interest rate of the loan shall not violate the relevant provisions of the state.

If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest on the imitation of the book. If the loan contract is not clear about the payment of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined in accordance with factors such as the local area or the parties' transaction methods, trading habits, and market interest rates. (The Civil Code came into force on January 1, 2021.) ）

Legal analysis: The borrower shall repay the loan in accordance with the loan contract, and if it fails to repay the loan after three years, it shall pay the overdue interest, and if it refuses to repay the loan, the creditor may take litigation and other means to claim the arrears.

Civil Code of the People's Republic of China

Article 671: Where a lender fails to provide a loan on the agreed date and amount, causing losses to the borrower, it shall compensate for the losses. If the borrower fails to collect the loan on the agreed date and amount, he shall pay interest on the agreed date and amount.

Article 674:The borrower shall pay interest within the agreed time limit. Where there is no agreement on the time limit for the payment of interest, or the agreement is not clear, and it is still uncertain in accordance with the provisions of Article 510 of this Law, and the loan period is less than one year, it shall be paid together with the return of the loan; If the loan period is more than one year, it shall be paid at the end of each year, and if the remaining period is less than one year, it shall be paid together with the return of the loan. Article 676: Where a borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or the relevant provisions of the State.