What should I do if I borrow Huabei and say that I want to go through the judicial process after the

At this time, you should immediately repay these Huabei and borrowing, and after paying it back, you will not go through the judicial process again, and you must pay back the interest.

Take the initiative to communicate with the platform, explain the situation clearly, and you can apply for installment payment and actively repay the loan.

The most important thing you need to do at this time is to repay the loan aggressively, and it is best not to have a situation where you are maliciously overdue, as this will only make the situation worse.

If you maliciously overdue, your credit to the central bank will be seriously affected, and your credit system in Alipay will also be affected. At this time, you can ask your relatives and friends for help, it is best to pay off the arrears first, and then strictly control your spending behavior, and stop making advanced spending and overdraft consumption.

1. You need to actively repay the loan at this time. Second, you can take the initiative to contact Alipay staff.

3. Such overdue periods generally do not go through judicial proceedings.

If you have money, you will pay it back, if you don't have money, you will work hard to make money, and if you have money, you will pay it off as soon as possible. There is nothing to be afraid of if you are really sued, actively respond to the lawsuit, repay the principal and interest according to the law, no money and no property The judge cannot enforce it, just make a reasonable repayment plan for you, and you can repay the money according to the plan, and there will be no more collection to harass you.

Pay back the money as soon as possible. It's time to go through the judicial process, which means that the overdue is quite serious, and it is best to discuss with your family and return the money.

At this time, we should borrow money as soon as possible, pay back the money, and then close it with the other party, after all, this is our own problem, so we should take the initiative to solve it.

In this case, you should contact the other party in time, and then find a way to pay off these arrears as much as possible, and then pay back some procedures, and the fee can be paid.

Then you should pay back what you owe, so that you don't have to go through the judicial process.

Alipay borrowing overdue for more than three months, is not able to apply for deferred repayment, once overdue after the repayment has not been repaid, the system will be automatically declared according to the personal overdue situation, and there will be manual judicial procedures, once entered the legal process, personal credit will enter the national network system and black.

1. Is Huabei overdue for credit reporting?

The first thing to determine is that Huabei overdue records will be reported to the sesame credit system, which will affect the user's sesame credit score, and the system will judge according to the user's creditworthiness, which will have a negative impact on their own credit. If possible, it is still necessary to repay the loan as soon as possible.

2. Can Huabei repayment be deferred?

Huabei is a personal consumption product launched by Alipay, all the amounts in it are allocated by the system according to the user's credit evaluation results, Huabei does not support extension, and you need to repay the loan in time after borrowing. Huabei repayment is set up as a reminder, mainly to remind users to check their consumption bills in time so as not to miss the repayment date and bring unnecessary trouble, generally according to the 9th or 10th of each month, the system will automatically deduct the payment, and the amount will be restored in real time after Huabei is repaid.

3. Will Huabei be reminded if the installment is overdue?

According to the description of Alipay's official website, if the user borrows money in Huabei for more than a certain period of time, corresponding reminder measures will be taken, and the overdue person will be ** reminder, and the consequences will be serious will be declared to enter the judicial process, once the judicial procedure is entered, the personal credit record will be blacked out, which will bring great trouble to the borrower's future life, so whether it is any installment product, it is within the reasonable scope of use, and the financial consumer product itself is for the convenience of consumers. It is not recommended to use it as a cash turnover.

At present, Huabei and Borrower have not clearly stated how long they will sue after the deadline, but they will reserve the right to solve the problem through legal means. Therefore, some cases where the overdue behavior is excessive or the overdue amount is relatively large may indeed be sued by Huabei or Borrow.

Huabei corresponds to the bank's credit card business, and borrowing corresponds to the bank's consumer loan business, so the treatment of its overdue behavior should be similar to that of the bank, and we can refer to the bank's situation to explain.

The first key issue that will not be sued is the overdue amount, if the overdue amount is three or five thousand yuan, or even only a few hundred yuan, the ** money obtained by the prosecution may not be as good as the cost of paying for it, so for small funds, banks are generally directly on the account, and there are few lawsuits. In order to include a small amount of money in Lao Lai's bank, it will affect the personal credit situation, and the gains outweigh the losses, so the number of small and medium-sized arrears in reality is relatively small.

To be prosecuted, in the case of this bank, the minimum amount generally has to start at 30,000 yuan (considering the low amount of Huabei, perhaps Alipay will lower the standard for prosecution, but it is estimated that no matter how low it is, it will start at 10,000 yuan). After the overdue, it is generally the first to carry out ** collection, if it is not returned, you will further contact your relatives and friends to let them notify you of the repayment, after the failure of self-collection, some banks will entrust a third-party agency to collect the reputation of the grind (some do not), if the third-party agency also fails to collect, some banks will directly package and transfer these non-performing assets to the asset management company, Qingdou Some banks will be ready to sue, but these behaviors are generally overdue for half a year.

There is no specific time limit for how long Huabei or Borrower will be sued if it is overdue.

As long as there is an overdue, Huabei or the borrower can sue.

After Huabei appears overdue, there are the following three punishments:

1. The function of Huabei will be limited by the system, and it is not certain whether it can be restored after subsequent repayment;

2. The overdue negative records generated after the overdue period will be reported to Sesame Credit, which will greatly reduce the sesame score;

3. Overdue repayment will incur corresponding overdue fees, which are equal to the overdue principal multiplied by the number of overdue days.

Under normal circumstances, there will be a grace period of 1 to 2 months for Huabei to be overdue, during which the customer service will urge the repayment. If the borrower is mild, explains the situation to the customer service, and agrees on the time of repayment, Huabei will not sue in this case. However, if the amount owed is large, the overdue time is long, the attitude is bad, the refusal to repay, the inability to contact, etc., then you will be prosecuted.

If you are sued, then after the court accepts and adjudicates, the user should find a way to pay off the arrears as soon as possible and fulfill the obligations truthfully. If the loan is refused, then the court will take coercive measures, that is, pull the user into the name and joke of the judgment defaulter, and when that time comes, travel and consumption will be affected, and the consequences will be very serious.

It depends on how much you owe, and if the amount is more than 50,000, it may be true. Huabei.

If the loan is overdue and not repaid, the collector calls ** and says that you want to go through legal procedures, so it is recommended that you negotiate with the other party, formulate a repayment plan, and then actively repay the money. If the other party goes through the judicial process, your salary card or car or house in your name may be seized by the court and auctioned.

The impact on work is greater, and if it is serious, it may be included in the list of dishonesty.

Children's schooling, loans, etc. will be affected. But be careful not to borrow money from other lending institutions other than banks to repay money, there are related usury.

Need to pay, if you have Huabei more than the bank loan interest information when the evidence, in the judicial process, you can submit to the court by the court to determine the repayment period and the loan interest that should be paid.

Data Expansion:1You can take the initiative to contact Alipay staff.

This method is actually useless, because even if you contact Alipay staff, the other party will ask you to repay the loan in time, and it is difficult to negotiate. The line of credit for a credit product.

Generally, it is not high, but the annualized comprehensive interest is very high, and the personal credit of users who use such products.

It is generally not good, so it is difficult to apply for negotiated repayment.

2.Such overdue periods generally do not go through judicial proceedings.

If you have not been overdue for more than 6 months, and the overdue amount is less than 50,000 yuan, the other party will generally not choose to go through the judicial process. Because there is a certain cost to go through the judicial process itself, it may not be as high as the benefit of what you owe. In your case, you can use the other party's statement as a means of collection, as it can put maximum pressure on the borrower to further urge him to repay.

I don't think you need to worry too much about going through the legal process, all you need to do is pay the money as soon as possible!

Alipay borrowing.

Huabei is generally overdue for more than 3 months, and will go through legal procedures.

Within 3 months, it is basically the usual collection method. For example, sending messages to users, calling ** collection, or contacting the emergency contacts left by users on the platform, and then outsourcing to a third-party collection company for collection. If it has no effect, then the platform will consider taking legal means to sue the user.

Even if the Alipay platform may cause trouble with Lu Fan, it does not mean that as long as it is overdue for 3 months, it will definitely be sued, and it depends on the post-loan management.

Decisions of the department. Because the overdue amount of some users is relatively small, only a few hundred or thousands of yuan, then there is no need for hail when the cost of prosecution is higher than the amount owed, in addition, it is a long process from prosecution to judgment and enforcement, and the platform will still consider other methods.

But regardless of whether to sue or not, the user needs to deal with the debt, and the borrowing of Huabei has been fully credited, which will still cause bad credit.

The consequences of overdue Alipay Huabei borrowing are as follows:

1. Overdue penalty interest: Interest will be generated after overdue, and if you want to restore overdue, you need to pay the principal and handling fee together before it will be restored. 5/10,000 a day, 5 yuan a day for 10,000 yuan;

2. Lower Sesame Credit Score.

Not only will Sesame Credit be affected, but relatives and friends will also be implicated.

Personal credit will also be reduced, with a Sesame Credit score below 600;

3. Causing bad credit records: Huabei's overdue repayment affects Sesame Credit Score, which in turn affects personal credit records, and now Alipay Sesame Credit Score has become one of the eight major credit reporting agencies;

4. Affect loans and card applications: Due to poor credit history, loans to buy houses and cars will have a great impact, and the interest of bank installments may also incur more costs due to poor credit records. It can be difficult to apply for a credit card again, and even if it is approved, the limit may be low;

5. Heavy prosecution and punishment: Huabei's overdue repayment will be reduced in the lightest, and the heavier will be prosecuted, and Huabei's overdue non-repayment may be prosecuted if it is serious, just like the malicious overdraft of the credit card, which may become a credit card fraud crime.

The probability of suing Alipay Huabei borrowing is relatively low, and the probability of suing online business loans is slightly higher. Generally, there is a risk of prosecution if it is overdue for three months, but Alipay owes so much money, and almost all of the people who sue have been collected. Then it depends on your luck, more than 1,000 online loans have been executed by fierce limbs.

If you are unable to settle the arrears at present, then you can apply for a deferral of repayment, Alipay now has a policy that you can postpone repayment for 1-3 years, and stop collecting and suing during the period.

This varies from person to person, sometimes the platform will take a collective package lawsuit, and sometimes it may be a case of a long arrears such as a long arrears, and there are also cases of people around them who have been borrowed from the lawsuit, don't defy the law, if you can, pay it back directly, if you don't have money, it's best to turn it around, don't have a civil litigation record.

Summary. In this case, it is recommended that you take the initiative to contact the customer service of Huabei to discuss the repayment and see if the other party is willing to extend the repayment period.

What should I do if I borrow Huabei and say that I want to go through the judicial process after it is overdue?

In this case, it is recommended that you take the initiative to contact the customer service of Huabei to discuss the repayment and see if the other party is willing to extend the repayment period.

Qi Yanfang has the right to sue you, and the possibility of winning the lawsuit is very high, and the result of winning the lawsuit is that you need to repay the manuscript payment, and if you continue not to repay the other party, you can apply for enforcement and enforce your assets.

It is recommended that you take the initiative to negotiate even if you repay the loan, and if you are unable to repay the loan, you can negotiate to extend the repayment period.

What are the criteria for prosecution.

As long as you fail to pay it within the time limit, the other party can sue immediately.

If it is overdue, it will be considered a breach of contract, and the other party can hold you accountable according to law.

Whether this is a criminal case or a civil case.

This is a civil dispute, and it is not a criminal act, but a breach of contract.