How do I negotiate repayment with their online loan company?

1. After the debt, you must first calculate how much you owe, and remember not to make a confused account;

2. According to their actual situation, they should come up with a feasible repayment plan and plan, such as how long the plan will be repaid, how much to repay each month, etc., so that they know in their hearts, and then negotiate with the creditor to deal with it;

3. Combine your monthly repayment goals and try to find a job that suits you and pays as much as possible. If a single main job does not meet the income requirements, you need to consider increasing your income from a side hustle;

4. During the repayment of debts, remember not to add new accounts to old accounts, and consume appropriately in moderation, and try to avoid unnecessary risks to avoid the re-accumulation of debts.

If the loan is overdue, it will not only incur liquidated damages and interest, but also affect your personal credit information, and if it is overdue for a long time, it will be collected by the loan platform, and legal measures may be taken against you in serious cases, so it is recommended that you repay the loan on time.

If you want to talk about this first, you have to talk about the interest first, usury, is a loan with an annual interest of more than 24%, some people say that 36% is not very accurate, because the annual interest is between 24% and 36%, if both parties agree is legal, but if you do not agree, the interest of the subsequent part shall not exceed 24%, so the annual interest rate of more than 24% should be usury. If the repayment exceeds 36%, you have the right to have him refund the interest on the excess 36%. So you can calculate which loans have an annual interest rate of more than 24% and which ones exceed 36%, and you negotiate with the platform to repay the loan according to the law, and the interest that has been repaid in the past is more than 36% to you.

If the platform does not agree, you really have the right not to repay the loan, and the law will be on your side in the future, and you only need to wait for the court judgment to repay according to the interest stipulated by law.

Therefore, it is difficult to achieve only the principal, many long-term non-repayment, the platform has no way, and then return the principal after negotiation, there is this situation, but it is difficult to negotiate this at the beginning, and the minimum must be given as mentioned above, of course, if it is an illegal platform, you don't have to care, only the legal one.

In addition, don't worry, you will generally not be prosecuted, because many of the interest rates are high, and the platform itself is suspected of violating the law. The use of violent collection methods, after a period of time of collection is fruitless, that is, the collection is abandoned, and the collection becomes a bad debt, and it is not over. Generally, online loan platforms only sue for arrears that are overdue for a long time and have a large amount.

It's just that if the arrears of a few hundred thousand yuan have not been repaid, the probability is relatively small. However, arrears will not leave a stain on personal credit. It is recommended that you can search the world in WeChat to check your online loan overdue records, and then contact the platform that left bad records, pay off or negotiate to solve it as soon as possible, and minimize the negative impact of online loan overdue

Online loans can be negotiated for repayment. Online loans can negotiate the repayment of the principal, but whether the online loan platform agrees depends on the rules of the platform. When negotiating repayment, everyone must show their strong willingness to repay, have a correct attitude, and then agree with the other party on the specific repayment time, repayment amount, and repayment interest according to their actual situation.

If the platform agrees, it is best, and if the platform does not agree, the user still has to repay the loan as soon as possible.

Precautions for online loan negotiation and repayment.

Actively negotiate and take the initiative to repay: Don't wait for the overdue collection of online loans to come before negotiating, you can take the initiative to contact customer service to negotiate repayment before the deadline, give a grace period or reduce interest, you can play a few more times**.

Be honest and sincere: When communicating with collectors, you need to be sincere, express your good willingness to repay after talking about your difficulties, list your repayment plan, explain that you have work income, and are working hard to raise money.

It's true, but you have to negotiate by yourself, don't ask a third-party negotiation company to help you negotiate, it's useless to find a third-party coordination company to coordinate.

When negotiating with the platform, it is best to objectively explain your difficulties, and it is best to provide proof of difficulties, and pay back the money regularly every month, and then the agreement must be contacted and communicated many times.

Expansion: What should I do if I can't repay the online loan?

First of all, it is not enough to deal with online loans, which is divided into three steps.

The first step is to stop all loans and seek the understanding and help of your family. First of all, don't take out loans to support loans, which will only make online loans more and more, and all platforms will be overdue. Confess to your family and seek their understanding and help.

The second step is to deal with the collection of huge profits rationally. In the circle of friends.

Send a statement in advance, explain to everyone to clear the windfall collection they are suffering, apologize for the situation that you may be harassed, and suggest that you cooperate with hanging up these commotions**, leaving everyone with a new **, and reducing the use of the old**number.

The third step is to understand your dishonesty and work hard to repay the loan. Check your credit through the credit information center to grasp which online loans have been included in the credit information system.

Which ones have not been included in the credit reporting system, so that they know in their hearts, and repay the loans in order with priority. It is more important to find a job and work hard to earn money, negotiate with the bank or lending institution, and extend the repayment period or repay it in installments.

As for the consequences of non-repayment of online loans, it also depends on the specific situation. If the lender or bank wins the lawsuit, you will face enforcement.

Properties, vehicles, ** and deposits in your name. If you borrow an online loan and do not maliciously fail to repay it, then this is a civil case and you will face detention. If you borrowed a 714 online loan.

First of all, try to negotiate with the institution to cut the interest rate, if it can't be lowered, then reflect the actual situation to some financial supervision departments, remember to submit evidence of their violations, and use the law to protect their own rights and interests.

There are many risks in online loans, and it is recommended that everyone consume rationally and apply online loans in principle.

No one will help you, you can only negotiate by yourself, and everything that promises to help negotiate is **.

After the online loan is overdue, the borrower needs to take the initiative to call the ** number of the financial institution, and then negotiate according to his overdue situation. You can take the initiative to contact customer service to negotiate repayment before it is overdue, give a grace period or reduce interest, and you can call several times**. After the loan is overdue, you must take the initiative to contact the loan platform first.

1. In order to reduce overdue interest and repayment costs, the borrower needs to negotiate with the platform as soon as possible to reach a repayment agreement. 2. When negotiating repayment, the attitude must be sincere. Explain that you owe money unintentionally and show your willingness to repay.

3. It should be noted that when negotiating repayment with the online loan platform, it must be reasonable and pay attention to the ways and means, and do not blindly make demands.

Extended information: 1. Online lending, foreign name is Internet lending, P2P online loan is the abbreviation of online lending, including individual online lending and commercial online lending. P2P online lending refers to direct lending between individuals through Internet platforms. It is a subcategory within the Internet Finance (ITFIN) industry.

The number of online lending platforms in China grew rapidly in 2012, with about 350 active platforms so far, and 3,054 as of the end of April 2015. In September 2019, the Leading Group for the Special Rectification of Internet Financial Risks and the Leading Group for the Special Rectification of Online Lending Risks jointly issued the Notice on Strengthening the Construction of the Credit Information System in the Field of P2P Online Lending to support the access of P2P online lending institutions to the credit reporting system.

Second, the essence of Internet finance is still finance, and the characteristics of financial risks have not changed, such as concealment, contagion, extensiveness and suddenness. Strengthening the supervision of Internet finance is an inherent requirement for promoting the healthy development of Internet finance. At the same time, Internet finance is a new thing and an emerging format, and it is necessary to formulate moderately relaxed regulatory policies to leave room and space for Internet financial innovation.

By encouraging innovation and strengthening mutual support in supervision, we will promote the healthy development of Internet finance and better serve the real economy. Internet financial supervision should follow the principles of "lawful supervision, appropriate supervision, classified supervision, coordinated supervision, and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various business formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal and irregular behaviors.

Online loan repayment negotiation is actually similar to credit card negotiation repayment.

All require certain conditions:

1.Overdue: One of the prerequisites for applying for negotiated repayment is that it has been overdue, and only if the cardholder's bill really exceeds the repayment ability, can the cardholder apply for negotiated repayment.

2.Willingness to repay: The cardholder must have a strong willingness to repay, indicating that it is not maliciously overdue. If the cardholder maliciously evades after the deadline, it is difficult to successfully apply for negotiated repayment.

3.Inability to repay the loan in one lump sum: The cardholder is unable to repay all the outstanding amount at once and wants to negotiate with the online loan to repay the loan in installments.

4.If you want to return to normal life: After the deadline, you will face a series of collections and high penalty interest, which will have a great impact on your life. If the cardholder wants to return to normal life, he or she can reduce the penalty and penalty interest and stop the collection.

Summary. Dear, glad to answer for you! <>

The company that negotiates repayment of online loans is unreliable. In fact, apart from banks, there are almost no lenders that accept negotiated repayment. The borrower applies for a loan from an auto financial institution or a private small loan, and after the deadline, the lender will only collect the loan and will not accept the negotiation at all.

The third-party negotiation is not credible, in this case, a high service fee will be charged, which will increase the repayment pressure of the lender, and it is recommended to protect the safety <>of the funds

Is the company that negotiates repayment of online loans reliable?

Dear, glad to answer for you! <>

Online loan negotiation repayment is not a company that can be relied on. In fact, apart from banks, there are almost no lenders that accept negotiated repayment. The borrower applies for a loan from an auto financial institution or a private small loan, and after the deadline, the lender will only collect the loan and will not accept the negotiation at all.

The third-party negotiation is not credible, and in this case, a high service fee will be charged, which will increase the repayment pressure of the lender, and it is recommended to protect the safety <>of Yanbihao's funds

That is, I have an online loan, and then a law firm said that the repayment could be negotiated, and I was negotiated until the extension, and then it would not affect the credit investigation.

From the perspective of negotiating Changyou's repayment, when the financial institution handles the borrower's application for negotiation of repayment, the financial institution only allows the borrower to negotiate the loan himself, and the third party is not allowed to intervene<>

Is Hubei Zhijia Law Firm reliable?

According to article 9 of the "Lawyers Law of the People's Republic of China", lawyers shall abide by professional ethics in their practice, protect the lawful rights and interests of their clients, and Qi Zheng shall not infringe upon the interests of the client. Therefore, from a legal point of view, the lawyer Gao Song Law Firm has a certain degree of credibility<>

AbstractThe negotiation of repayment of the principal of the overdue collection of online loans is not a reliable thing in itself, you must know that the loan platform only handed over this business to the third-party platform for collection, but the debt is still in the previous loan company, and the borrower should also communicate directly with the loan platform when repaying.

Is it true that the online loan negotiation repayment.

You should know that the loan platform only handed over this business to the third-party platform for collection, but the debt is still in the previous loan company, and the borrower should also communicate directly with the loan platform when repaying.

Therefore, most of them are deceptive, and most of the behaviors of collecting and actively negotiating the repayment of the principal are deceptive, just trying to take advantage of the borrower's psychology of wanting to pay off part of the arrears and defraud the money.

She said that she could help me reduce the interest rate, within the national interest, and then help me defer the repayment and pay it off in one lump sum when due.

This is mostly fake, don't believe it.

Can you help me look it up.

Check out this agency.

If you go to the judiciary, it will need to be resolved through litigation.

For a long time, there has been a lot of information on the Internet under the slogan of professional credit for unemployed intermediaries and professional negotiation of loan repayment for others, and many users will find these intermediaries with luck when their credit card bills are overdue and unable to repay the loan, and want a third party to help negotiate repayment.

Actually, a lot of them are. Banks do have personalized installment repayment services, but it is based on the premise that users have a certain ability to repay the loan, and the premise of negotiation is that there needs to be a reasonable reason for application, and excessive consumption is definitely not possible.

The dangers of network leakage:

1. The interest rate is high, and some are even usury.

At present, the interest rate of most online loans is very high, and the relatively low interest rate is also in the monthly interest, which is even far higher than the interest rate of 4 times the legal interest rate of private lending.

2. The repayment pressure is high for a short period, which is easy to cause the borrower to be overdue.

Most of the online loans have a term of one month, which is very difficult for most customers to repay, which often results in a high ratio of borrowers' income to repayment, resulting in easy overdue.

3. Routine loans.

Many online loans are all-encompassing, involving interest rate hikes in the name of cutting interest, high prepayment liquidated damages, management fees and insurance premiums.

4. It is not good for credit reporting.

Online loan lenders are often small loan companies, trusts, etc., which are all small loans in banks, and banks do not like customers with online loans very much, and many bank loan products with online loans are not accessible. <>