Can I file a complaint with the CBRC if I can t negotiate with the bank to repay the loan?

First of all, you can call the customer service of the Bank of Communications Credit Card Center to negotiate, ** is 400-800-9888. If the agent can't solve the problem, you can ask his superior manager to pick up ** for negotiation.

As for the solution:

1.Pay back a part every month (the interest will still be charged, it should be 5/10,000 of the total arrears, each bank is different, consult the Bank of Communications for details), so that the more you repay, the interest will decrease month by month.

2.Your card will definitely not be used, and it is recommended that you cancel the card after paying the money.

3.Your credit history will be affected, as will your credit card applications in other banks. However, the current policy of the bank is to temporarily keep the credit record for two years, as long as you pay it off, the credit record will still be good after two years.

You don't actually have to wait 2 years for you to apply for a new credit card).

4.If the agent can't solve the problem and refuses to transfer to the superior, you can strongly ask for the transfer (if you hang up and beat a different person, you may be able to transfer it, but it may make you repeat what you said before).

5.If the superior manager cannot solve the problem, you can point out the matters prohibited by the CBRC in the Measures and inform you that if the collection department makes improper collection against you again if you promise to repay the loan, you have the right to complain to the CBRC.

6.If they don't solve it for you, then you can only complain to the CBRC. (But I hope you try not to get to this point...) I also hope that the bank can provide you with a more reasonable and better repayment plan).

Finally, I hope it can help you, and I wish you a speedy solution

The CBRC will stand on the bank's side, because you are in default, but if the collection staff of the Bank of Communications threatens you, you can file a complaint with the CBRC.

In order not to leave regrets in life, to achieve the goals you have set.

Stop the interest and stop Cui divided into 40 periods!

We should seize every opportunity to change our lives as much as possible.

Legal analysis: You can directly contact Alipay's customer service staff for renegotiation. For those who fail to repay Huabei within the time limit, Alipay will urge the debtor to repay the loan through ** and other channels.

If the negotiation fails, the company will also go to the court to sue the debtor, apply to the court to seize the debtor's property, and claim repayment.

Legal basis: Article 216 of the Civil Procedure Law of the People's Republic of China After accepting the application, the people's court shall, after examining the facts and evidence provided by the creditor, issue a payment order to the debtor within 15 days from the date of acceptance if the creditor's rights and debts are clear and legal; If the application is not sustained, a ruling shall be made to reject it. The debtor shall pay off the debt within 15 days from the date of receipt of the payment order, or submit a written objection to the people's court.

If the debtor does not raise an objection and fails to perform the payment order within the period specified in the preceding paragraph, the creditor may apply to the people's court for enforcement.

Legal analysis: If the bank is unsuccessful in negotiation, it can file a complaint with the CBRC. The China Banking Regulatory Commission (CBRC) is a public institution directly under the Ministry of Finance of the People's Republic of China that supervises and manages banking financial institutions in a unified manner and maintains the legal and sound operation of the banking industry in accordance with its authorization.

A bank is a financial institution established in accordance with the law to engage in monetary and credit business, and is a product of the development of the commodity and monetary economy to a certain stage. Banks are divided into ** banks, policy banks, commercial banks, investment banks, and the World Bank according to their types, with different responsibilities.

Legal basis: Article 11 of the Provisions on the Legal Work of the China Banking Regulatory Commission The legal department of the CBRC shall formulate a draft legislative plan for the banking industry on the basis of determining the items for formulating and amending the rules and the items for legislative proposals.

The draft legislative plan for the banking industry shall include the guiding ideology, basic principles, specific projects, division of responsibilities and implementation procedures of the banking legislation, as well as the medium-term and long-term goals of the banking legislation.

The draft legislative plan for the banking industry shall be published after being submitted to the meeting of the chairman of the CBRC for deliberation and approval.

If your credit card does not agree to negotiate repayment, you can consult your bank's customer service. Inform the other party that it is not deliberately overdue, but that it is indeed unable to repay, and provide corresponding supporting materials, and be sure to take the initiative to express the willingness to repay. You can apply for an extension of the repayment period, repay the arrears in installments, or stop paying the debt in installments.

If the customer cannot apply for an extension or stop payment, the customer can only repay the loan according to the bank's requirements.

Extended information: A credit card, also known as a credit card, is a credit certificate issued by a commercial bank or credit card company to a credit-qualified consumer. It is in the form of a card printed with the name of the issuing bank, expiration date, number, name of the cardholder, etc. Magnetic stripe and signature stripe on the front and back.

Consumers with credit cards can go to a dedicated business service department to make purchases or purchases, and then the bank settles with the merchant and the cardholder, and the cardholder can overdraft within the specified limit.

Credit Card Overdue Consequences:

1. Penalty interest. Penalty interest will be charged on overdue credit cards, which will be paid in full at 5/10,000 per day. For example, if your credit card is overdue by 5,000 yuan and the number of overdue days is 30 days, then the penalty interest is 5,000 yuan.

In addition, late payments will incur liquidated damages in addition to interest. Different banks charge different fees for liquidated damages. Generally speaking, most banks set the penalty for credit card liquidated damages at 5% of the outstanding part of the minimum payment.

Second, bad credit information.

We know that overdue is an act of dishonesty. Once the credit card is overdue, the bank will report the overdue record to the central bank's personal credit report, and the overdue record will be retained on the personal credit report for five years. During this period, applying for a bank loan may encounter a high interest rate, a small amount, or even a loan application that is directly rejected by the bank.

In addition, for people who are particularly overdue, their travel will also be affected. They can't spend their overdraft money on planes, high-speed trains, hotels, and mobile phones, their children can't go to key schools, and it's hard to walk without faith.

Third, criminal responsibility should be pursued.

We know that credit card arrears are protected by law. If the cardholder maliciously overdraws and fails to repay within the time limit, he or she is suspected of credit card fraud and will be punished by law and face jail time.

Depending on the overdue, the more serious the circumstances, the heavier the penalty. Those who are seriously overdue may even be sentenced to life imprisonment.

4.Credit cards are reduced or frozen.

Cardholders lose the most from banks for overdue. In order to reduce losses, banks generally reduce the credit card limit of cardholders, and may even directly block the card. Once the credit card limit is lowered or blocked, it will be difficult to raise or unblock the credit card.

In recent years, China's financial markets have changed rapidly. The CBRC plays an important role in this market, especially when it comes to lending and repayment. For borrowers, if they find that they are unable to repay the loan on time, they can apply to the CBRC for negotiation of repayment.

However, there are some rules that need to be followed to successfully negotiate repayments. First, the borrower needs to apply to the bank, and the bank will evaluate the application. If the bank believes that the borrower can afford to repay the loan on time, they may reject the application.

If the bank agrees to negotiate the repayment request, then the borrower needs to repay the loan according to the new repayment plan, and at the same time, there is an additional processing fee.

In conclusion, if the borrower is experiencing financial difficulties or is unable to repay the loan on time, negotiating repayment is a viable option. However, borrowers need to be aware of the regulations and processes in order to negotiate repayments smoothly. As the regulator, the CBRC can provide some help and guidance, but ultimately the borrower will be responsible for repayment.