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Hello, this is Jim and welcome to JustAnswer.
Thank you for the question, I am reviewing the details now. I will aim to resolve it as quickly as possible for you.
The 90 day rule is stringent in the sense that if you have no visa, you are only permitted a maximum 90 days in any 180 day period.
If you overstay by even one day, you will be banned from entering any country within the Schengen area. You would have to leave the EU country you are in before the 90 day period expires - if you over-run then upon exiting the country, your passport will be stamped (possibly with the wording "illegal immigrant") and show an over-stay which means you will be banned for 3 years. It is not worth the risk - some countries are more strict than others but as I say, even 1 day over will trigger the possibility of a fine, deportation, and a ban. To be in the country legally for more than 90 days you would need a suitable visa - which visa depends on your situation and whether you want to work, travel, or retire. I realise this is not the answer you wanted - you are welcome to ask a second opinion on this site if you wish, at no extra cost.
I hope this answers the question. If you have any follow up questions then please do let me know.
Just a final note that I am free most days and would be happy to assist with any other queries you may have.
Hi, sorry, I have given you my answer - have you read it?. Apologies if it's not the answer you wanted but I can't give you false information. If you can please let me know how else I can help. Thanks