I ve been overdue for a year, why didn t I suddenly give me information?

It is reported to the central bank by each commercial bank on schedule. Overdue is your overdue record at the repayment bank, which can be found at the repayment bank, so there is a time lag here. In addition, if you have paid off the loan in time, and the bank believes that you are not maliciously overdue, if you can forgive, the bank will not necessarily report your overdue information to the central bank, which will affect your credit investigation.

The credit record is just a record, which is a truthful reflection of the information reported by various financial institutions, and the central bank can not find the overdue record at present, and discuss the remedial measures with the lending bank. Once, a colleague in our unit lent his credit card to others, and he did not repay it in time because he was a few hundred yuan, and finally he was penalized with interest, and the unit issued him a certificate, and the bank did not report to the central bank, and finally did not affect his credit.

The car loan has been overdue for a year, why I suddenly didn't give you the information should be that the bank is preparing relevant reminder records and evidence of your loan behavior, and wants to hand it over to the procuratorate for prosecution and prosecute you on suspicion of fraud. Therefore, you should take the initiative to check with the bank and repay the loan actively. FYI.

In this case, if the car loan is overdue for a year and has not been issued to you, it may basically be a fresh dead debt.

Why are we cycling members all of a sudden?I can't talk without a message. The universe is enthusiastic, you call him ** and ask me what's going on, and the one in yellow clothes tell me. I'm in a hurry.

I'm a year overdue for my car accident, why didn't the sun give me a message?Why my?That's because you've lost touch with them, or you. This book is not in place. That could be a special case. That's why I didn't give you information.

It's a good idea to reach out to the bank. Have they already sued you?You'd better give them back some of the money first. If they sue in court, they will enforce it against you. Your vehicle and home will generally be checked.

If you don't have any information, it means that the car has been auctioned or something else.

Then you can also take the initiative to contact them.

The overdue car and goods for a year suddenly did not give you information, but the arrears are still there, and late fees will be incurred.

Legal analysis: Regarding the overdue repayment of the car loan, the following relevant legal inquiries have been made: the car loan is overdue for 3 days, and it must be communicated with the bank for 7 days to explain the situation, and it is not maliciously overdue, and there will be no serious consequences.

Generally speaking, after 90 days of overdue, you will go to the bank to make a credit report. If unfortunately, the car loan is overdue and the car is towed, then you can choose to call the police, mediate, or file a civil lawsuit, sue in the court where the other company's location is located, and request the return of the original goods. As for the towing fee and the additional loan, if there is no agreement in the contract, there is no need to pay it, and the other party can be required to bear the personal loss during the period when the vehicle is towed.

If it is a car finance loan and the car is towed, in addition to timely repayment, you also need to pay a certain towing fee. It is recommended to return it as soon as possible so as not to affect the personal credit record. Generally speaking, only people who have committed very bad overdue behaviors are likely to be towed by the lender.

If both parties have specified how long the trailer will be towed after the overdue period when signing the loan contract, then the financial institution will tow the trailer in accordance with the contract. If the parties do not agree in the loan contract how long they will be overdue and will not be repaid, then it depends on the actual situation. There are generally three factors that affect trailer speed.

1. Repayment attitudeIf the borrower has been communicating with or shouting to the collector after the overdue date, and has a positive attitude towards repayment, then it will not be easily towed. Therefore, communication after the deadline is very important, and you must not refuse to accept the collection**. 2. Past recordsIf the borrower's past repayment record is good, and the borrower can repay the loan on time and in full in each period, this overdue is just an example, then the financial institution will not easily tow the car 3. Repayment ability If the debtor has a good repayment ability, and the overdue infiltration period is only due to special reasons, then the financial institution will also give the debtor a certain buffer time, and will not easily tow the car away.

To sum up, how long the car loan will not be towed depends on the specific situation. Generally speaking, only people who have bad overdue behavior and have not paid their debts for a long time are likely to be towed by financial institutions.

Legal basis: Article 676 of the Civil Code of the People's Republic of China If the borrower fails to return the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or the relevant provisions of the state.

In the event that your car loan is overdue and your vehicle is towed, you can take the following steps to resolve the issue:

1. Contact the financial institution: First, you need to contact the lending institution or financial company to understand the situation of your loan and the specific situation of overdue repayment. They may offer solutions like rescheduling your repayment plan or providing other assistance.

2. Understand the legal requirements: At the same time, you need to understand the local legal regulations, especially those related to vehicle towing and overdue repayment. This will help you understand your rights and responsibilities and provide guidance for your next steps.

3. Seek legal assistance: If you feel like you can't cope with this problem, consider seeking legal assistance. Please consult a local lawyer or legal aid agency who can provide you with professional legal advice and assistance.

4. Contact the towing company: Contact the towing company to understand the specific situation of the vehicle and the procedures and costs for retrieving the vehicle. You may be required to provide relevant documents and proof that you are the legal owner of the vehicle.

5. Pay off the arrears: The most important thing is to pay off the arrears as soon as possible to avoid further legal disputes and losses. If you can, consider paying off what you owe in a lump sum, or talk to your financial institution about a reasonable repayment plan.

In conclusion, in the event that your vehicle is towed, you should promptly contact financial institutions, towing companies, and legal aid agencies to understand the relevant legal provisions and take appropriate action.

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In your case, it is useless to call the police. Because you have a car loan that you haven't repaid, you can only find a way to repay the loan. You negotiate with the opposite file to return the money, get the car back, and everything will be fine.