Why is the car loan overdue?

If the car loan is overdue for one year and no one collects it, it is probably for the following reasons.

1. Auto Consumer Finance Company has classified this debt as bad debt/bad debt.

2. The lending institution that handles the car loan or its outsourcing collection company has been unable to contact, and may have changed the mobile phone number halfway.

3. The car loan company went bankrupt, and in the process of handing over business with other consumer financial institutions, it didn't care about dunning.

4. The auto consumption finance company didn't make a dunning because it was overdue for a long time and planned to sue. When it is ready, it will be enforced by the court through legal channels.

Even if the other party has no dunning, it can't be repaid. You should contact customer service as soon as possible and refund the money to the bound repayment bank card.

Pay off the arrears as soon as possible to avoid overdue penalty interest, which will lead to serious credit damage.

If it continues to be overdue, it will be bad to be sued and the car is likely to be taken away. Then the loan will be borrowed for nothing. Not only will the car be lost, but the down payment paid before buying a car will generally not be refunded.

Too many applications, and I am worried that my big data will lead to the failure of car loans and mortgages in the future. You can view your big data in Sixi Data, which provides accurate information for debtors, people who apply for too many online loans, loan users and platform risk control personnel. You can quickly query all kinds of big data, such as arrears records, loan applications, credit reports, etc. , so that you can better understand your credit status.

Extended data:

If you have the money to spend tens of thousands, will you come to the door after the deadline?

There are tens of thousands of overdue money. If there is a cooperative collection agency in the user's residence or location with money, it is possible to collect it at home.

If there is no cooperative collection agency in the user's residence or location, there will be no cross-regional collection. After all, cross-regional door-to-door collection costs are relatively high.

Therefore, the money is overdue by tens of thousands, usually by SMS.

In addition, after the money is overdue, users need to repay it as soon as possible, otherwise the overdue record will remain in the credit report.