First, the consequences of loans overdue.
The consequences of loans overdue are still very serious. I hope you can repay it on time and regularly after borrowing it. For example, if it is overdue, some debt collectors will call the borrower's children several times to remind them. If it is serious, you will call the borrower's children and threaten them. For example, some formal lending platforms, such as Alipay Flower Garden, or state-registered lending platforms, will be blacklisted if everyone is overdue, regardless of the overdue amount.
Second, why not be prosecuted?
First of all, the money owed is low. Those who owe more than 1000 yuan can collect it at home. But if it is less than a few thousand dollars, then the debt collector will have to drive from her to the borrower, and this toll is also very expensive. Moreover, most debt collectors feel that they can't afford 800 yuan, so they can't afford it even if they collect money at home. Like these informal online lending platforms, they can't threaten borrowers with credit information, but if they don't repay, which makes borrowers feel very unhappy, they may call the borrowers' children and contacts in the address book, or call the company.
Third, summarize.
In order not to cause unnecessary conflicts, I suggest you pay back this 800 yuan, otherwise it will also affect your life and the life of your children. If a person borrows money on the formal loan platform and it has been blacklisted 13 1 day overdue, its collector will not choose to continue to collect it at home. I hope everyone will repay the loan on time. If you have any difficulties, you can also choose to explain to customer service.