How long will Shanghai Cangu car loan be sued if it is overdue?

Generally speaking, banks whose car loans are overdue for more than 6 months will bring a lawsuit to the court, and a court summons will be issued to the borrower. On the day of the court session, regardless of whether the borrower appears in court, the court will freeze the collateral originally mortgaged by the borrower to the bank, and then auction it, and the proceeds from the auction of collateral will be used for repayment.

1. Those who refuse to repay their car loans after being sued will go to jail. Generally, if the car loan is overdue by 654.38+10,000 yuan, they will be sentenced to fixed-term imprisonment of more than five years and less than ten years, because the overdue amount of 654.38+10,000 yuan is a huge situation. If loans overdue is overdue for more than three months or the bank fails to pay it back twice, the bank will freeze the credit card and list it as a prohibited customer, which is the so-called blacklist.

2. Then a lawsuit will be brought to the court. The content of the lawsuit is credit card fraud and malicious overdraft, which will be enforced by the court. If the lender refuses to repay the loan after prosecution, and the amount owed exceeds 1000, the court will punish it according to Article 196 of the Criminal Law. A situation like the above is the fourth kind of malicious overdraft in Article 196 of the Criminal Law. Malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.

3. Those who engage in credit card fraud will generally be dealt with according to these situations: if the amount is relatively large, they will be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and will be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property.