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Anonymous users2024-02-08After successful negotiation with the bank, there will normally be a paper contract, provided that you are required to repay the loan or sue in court, as long as you check the amount of arrears after negotiation, there will be no problem. Therefore, if you feel that this agreement is necessary, you can go to the relevant staff of the bank to negotiate and ask for it.
Extended information: 1. Ways to negotiate installments after the deadline.
1. Go to a civil law firm to find a lawyer to negotiate, this method is relatively fast, but you need to pay a certain fee to the lawyer, and I believe that everyone is not willing to take this money. Then you can try the second option.
2. By complaining to the banking and insurance bureau to which the overdue credit card bank belongs, the bank and insurance bureau are requested to intervene and coordinate, and indicating that they are willing to resolve the dispute in the form of negotiation and installment.
If the CBIRC accepts it, the bank will stop the collection and negotiate the installment. So, don't shut down your phone anymore to avoid dunning.
2. How to file a complaint with the CBIRC.
1. Complaints.
2. E-mail complaints.
3. Written complaints should be mailed to the bank's banking and insurance bureau.
Fourth, the banking and insurance management bureau handling methods.
The first time you make a complaint, you will be asked to negotiate with the bank on your own. If the negotiation is not successful, or the outcome is not satisfactory, you can file a second complaint, listing the bank's unreasonable demands and stating how many instalments you would like to install, but this number of instalments should also be within a reasonable range.
After the CBIRC intervenes in the adjustment, it is generally a few days as soon as possible, and it takes about a month for the second complaint.
5. The banking and insurance bureau to which each bank belongs.
1. Shenzhen Banking and Insurance Bureau: CITIC, Ping An and other banks.
2. Shanghai Banking and Insurance Bureau: Shanghai Pudong Development Bureau.
Transportation, Investment, Industrial Development, Shanghai, East Asia, Citigroup.
and other banks. 6. The bank's installment method.
China Merchants Bank, Shanghai Pudong Development, Communications, Shanghai, Industrial Bank, Everbright and GF are now free installments of the amount owed, and if they are overdue for a long time, or cardholders who require a short installment time can also appropriately reduce a part of it.
CITIC, Huaxia, don't have to pay liquidated damages.
After the contract is successfully signed, 10% of the total amount owed will be paid for the first time, and the rest will be paid in free installments.
Minsheng only needs to repay the principal, pay 10% of the current amount owed for the first time, and charge a handling fee of 3/1000 for each subsequent installment.
Customers can use mobile banking.
WAP) to check the SSE.
Shenzhen Securities ** information, and enter ** in "Customize My**".
Customize or delete what you care about. Customers can use the "third-party depository" function to transfer from bank to company, company to bank and related inquiry transactions, in addition to linking to the brokerage WAP site page for ** transactions.
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Anonymous users2024-02-07Hello, after the repayment is successfully negotiated with the bank, an electronic agreement will be sent to the negotiator.
The negotiated repayment must be strictly executed in accordance with the agreement, otherwise it will be a breach of contract.
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Anonymous users2024-02-06If the repayment agreement is in writing, it should come into effect when you sign it, and if it has a term, it should come into effect when there is an effective date. Some agreements are written to take effect immediately, while others have a set date, depending on how you negotiate them. If it's time for you to start repaying, it's definitely going to take effect.
Special attention must be paid to the order of repayment, so the funds deposited into the credit card account will be used to repay the arrears of the RMB account first, and only when there is an overpayment in the RMB account, the excess part can be used for the purchase of foreign exchange.
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