First of all, the limitation of filing a case is an important reason for not being prosecuted. According to my hypothetical scenario, it may be because the creditor did not take legal action immediately after the deadline and missed the opportunity to sue. Every region has different statutory limitations, beyond which creditors will lose the right to sue.
Secondly, the collection cost is also a consideration. If the debt amount is small or the collection cost is too high, the creditor may choose to give up the recovery. In some cases, the collection fee may even exceed the debt itself, which makes creditors reluctant to continue to invest money to recover the money.
Finally, legal risk is also a key factor in deciding whether to prosecute. Despite the lack of clear legal information, we can assume that in some cases, creditors may be worried that prosecution will face problems such as long litigation time, lawyer's fees and inability to execute judgments, and thus choose not to prosecute.
To sum up, the main reasons why online loans have not been collected or prosecuted for more than one year may be filing restrictions, collection costs and legal risks. These factors interact, resulting in creditors not taking legal action to recover the arrears.
Extended data:
I can't provide specific legal provisions or cases to support the above views. The legal provisions and practice of overdue online loans may vary from region to region and may change with the passage of time. If you encounter similar problems, it is recommended to consult local professional lawyers for accurate legal advice and guidance.