How to negotiate and solve the overdue online loan? This is the most effective way to deal with it!

With the increasing social pressure, more and more people are using online loans to solve the financial problem, but due to the mixed loan industry, it is inevitable to encounter high-cost platforms. These approaches can be used.

1. Determine the final repayment date

Generally speaking, the original intention of online lending institutions is for interest, and the liquidated damages after overdue are a deterrent on the one hand, and on the other hand, it is best to repay, and if it is not possible, you can reduce a part of it, so that you can repay the loan as soon as possible. When you negotiate with an online loan, you can ask for renewal or extension, try your best to express your willingness to repay, and ask for an extension of the repayment date* for about 1 month, and you can pay a certain amount of interest, but the comprehensive fees such as interest, extension fee, and handling fee should be within 36%, otherwise it is a loan shark, and you can use this to negotiate with the online loan institution.

2. Reduction and exemption of liquidated damages

In fact, the liquidated damages of many online loan platforms are much higher than the market average, although they can be freely formulated, but the overall cost should not exceed 36% stipulated by the state, you can calculate the interest rate of liquidated damages, if it is too high, you can ask for a part of the reduction, combined with your own situation, you should be able to succeed.

3. Argue with reason

If an online lending institution adopts the method of violent collection, high interest rate and high fee to lend money, it can inform the online lending institution that it has collected relevant evidence, report and complain to the relevant department, and then request that the negotiation be within a reasonable range.

To sum up, no matter what method is used to negotiate with online loans, there is only one principle, prohibiting private transactions, even if the collector says that the interest and liquidated damages are all waived, and only the principal cannot be repaid, and the repayment can only be made through official channels, and the account is required to be written off immediately, otherwise it is easy to be deceived.

If an online loan is overdue for a long time, you can apply to the lending institution for a reduction or exemption of interest, overdue interest, liquidated damages and other fees.

After receiving the application, the lending institution may directly reject the user's application for negotiation, or accept the user's request and then review the user.

During the review period, the online lending platform will ask the user to upload relevant supporting materials, and the more materials the user uploads, the higher the probability of passing the review.

After the review is passed, the user's application for fee reduction may be completed.

Generally speaking, if a user applies for a waiver of overdue interest and liquidated damages, the online lending platform will consider giving a partial reduction at its discretion.

However, if a user applies for a loan interest reduction, the loan interest online loan platform will not reduce or reduce the loan interest unless the user has extremely special circumstances.

After the user successfully negotiates, he or she needs to repay the loan according to the agreed content, and if the user fails to repay the loan according to the regulations, the negotiated agreement will be invalid.

In addition, the longer the online loan is overdue, the more overdue interest will be generated, and it is best to pay off the overdue arrears as soon as possible after the user fails to negotiate repayment, so that the overdue record can be deleted as soon as possible.

You only need to search for "Xiaoqi Xincha" to query your own credit data. The data comes from more than 2,000 online lending and UnionPay platforms across the country. Users can obtain various indicators, such as personal credit status, online black index score, blacklist status, online loan application records, application platform type, whether it is overdue, overdue amount, credit card and online loan credit estimate and other important data information.

Simply click on the query and enter the information to complete the query.

Extended information: What happens if an online loan that is not on credit is overdue?

If an online loan that is not on credit is overdue, it will cause the following consequences.

1. The overdue situation will be reported to the big data by the platform system, leaving a bad record in it, which will also lead to damage to personal credit.

2. Penalty interest will be charged from the day of overdue until the arrears are fully paid.

The penalty interest rate charged by some platforms may be higher than the normal borrowing rate.

3. The platform system is likely to freeze the loan amount so that it can no longer be borrowed.

And because there is a credit problem, it will be blocked to borrow from other platforms in the future.

After the online loan is overdue, the user is unable to repay the loan, and can apply to the online loan platform for negotiation repayment according to the following methods:

1. Take the initiative to contact the online loan platform

After the user's online loan is overdue, it is best to actively and actively contact the online loan platform at the first time. First of all, users need to explain that they are not maliciously overdue, and show their willingness to repay. After that, inform the online loan platform of your financial situation, indicating that you really do not have the ability to repay on time.

Finally, users can apply to the online loan platform to negotiate repayment. The application submitted by the user must be reasonable, such as applying for a partial reduction of overdue interest. However, it is difficult for users to apply for loan interest reduction directly, which is difficult to accept.

The loan principal and loan interest must be repaid, and the overdue interest can be reduced through negotiation. In order to reduce overdue interest and reduce repayment fees, users should reach an agreement with the platform as soon as possible.

2. Be sincere in your negotiation

When negotiating with the online loan platform, the user must express his determination to repay the loan, which will increase the recognition of the user by the online loan platform. At the same time, the attitude of communication should be sincere and sincere, and you need to explain your repayment ability in detail. If the user shows that he is unable to repay the loan, he must prepare the relevant supporting materials, after all, there is no basis for what he says, and the online loan platform cannot judge the truth of the matter from the situation that the user says.

And with the supporting materials, by reviewing the supporting materials, you can know whether what the user says is true.

3. Pay attention to the retention of relevant evidence

Some online lending platforms have illegal fees, so users should first find relevant evidence from the loan contract, or take screenshots of the loan page and repayment page. In the process of collection, if there is a situation of violent collection, the user should also keep relevant evidence. Due to the illegal operation of the online lending platform itself, the online lending platform usually does not sue the user after the user is overdue.

The user prepares the relevant evidence to negotiate with the other party, so that the probability of successful negotiation will increase.

4. There should be clear reasons and proofs for negotiation

It is important to emphasize that the user must have a reason for the overdue and proof that he is unable to repay the loan. After receiving the user's negotiation application, the online loan platform will review the user, and the user will be asked to upload relevant supporting materials during the review period. If the user prepares sufficient materials, the probability of passing the review will be high, and the probability of successful negotiation will also increase.

However, if the user does not have the relevant supporting materials, whether the user can pass the review and whether the negotiation can be successful is subject to the reply of the online loan platform.

5. Submit multiple applications for negotiated repayment

The user applies to the online loan platform for negotiation and repayment by calling customer service**, and usually the negotiation cannot be successful at one time, which requires the user to call ** several times to apply for negotiation. When communicating, be sure to indicate your willingness to repay, and actively strive for deferred repayment, installment repayment, and penalty interest reduction. For online lending platforms, the ultimate goal is to recover overdue arrears, so users can increase the probability of successful negotiation by trying several times.

First, the front. After the regular online loan is overdue, if it cannot be repaid on time due to special reasons, then it does not belong to the user's malicious overdue.

2. Specific analysis.

Users can submit some relevant supporting materials to show that they have no current ability to repay, but have a good willingness to repay, and hope to postpone repayment and reduce part of the interest.

As long as it has passed the review of the online lending institution, then the negotiation can generally be successful. Regret Mountain.

For online lenders, it is better to delay receiving repayment than not recovering the loan, so users can try to apply for negotiated repayment.

You can get the online loan big data report from the platform of "Bei Jian Pre-judgment Royal Quick Check", which contains information such as online loan history, online loan overdue details, debts, untrustworthy information, and online loan blacklist.

3. Can a formal online loan platform negotiate to repay only the principal?

Formal online loan platforms may not be able to negotiate only to repay the principal, after all, the borrowing interest rates charged by them are basically at a reasonable level, and they do not charge high interest in violation of regulations, so it is natural to repay the principal and interest of the loan as agreed.

Of course, although only the principal repayment cannot be negotiated, you can try to negotiate an extension of the repayment period, repay the arrears in installments, and the platform will judge the repayment ability, and then consider it as appropriate.

Some platforms also directly provide flexible repayment services, and as long as the conditions are met, you can directly request an extension.

The solution to the overdue negotiation of online loans is:If you want to negotiate a solution to the overdue online loan, you can contact the customer service of the online loan platform to submit an application, stating the reasons for the inability to repay on time and the willingness to actively repay according to the actual situation.

However, it should be noted that it is generally difficult to negotiate repayment, and most online loan platforms will not easily agree to negotiate repayment.

Don't wait for the overdue collection of online loans to come before thinking about negotiating, you'd better take the initiative to contact the online loan company to negotiate repayment before the overdue, many netizens say that they don't know how to negotiate, in fact, you can do this: keep a firm position, calculate the interest in advance, be sincere when communicating, say your difficulties, and express a good willingness to repay, inform the other party that you are currently working hard to make money, list your repayment plan, so that you may be able to win yourself a period of time to work hard to raise money and avoid collection.

This sounds like the style of the old lai, yes, for online loans, only the old man is most likely to repay the least amount. If you don't believe it, let me tell you about my experience: 1. I have the money to spend 70,000 yuan overdue, and it is still overdue.

I am in debt, and I can't pay the full amount, so I can only do my best to negotiate with the platform to repay 1000; I've stuck with it until now. More than 560 days overdue, the current economic situation is a little better. Take the initiative to call the customer service to negotiate the repayment of the principal, and the customer service gives the prepared credit debt, poverty certificate, and they go to apply for the mode of only repaying the principal, with a preliminary estimate; Principal amount 395000; Fees & Interest:

4,000 (this fee was incurred at the time of application) liquidated damages and penalty interest: 13,700 yuan, the customer service is estimated to be about 40,000 yuan. This is a case of negotiating the repayment of principal after more than 500 days of overdue.

Next, let's take a look at the case of unoverdue negotiation of principal repayment: CreditEase owes 60,000 yuan, and today it has repaid more than 54,000 in 17 installments, and there is still a difference of 6,000 principal. Apply for negotiated repayment, and still have to repay more than 39,000?

This is not overdue; So I went to Ju to complain, and the black cat complained to complain, and even called 12315, but 12315 called the Banking Regulatory Bureau. The China Banking Regulatory Bureau also hit and did not accept it, calling it a complaint to the Internet Finance Association Why is it more than 500 days overdue and willing to give you a reduction or exemption to negotiate repayment, but instead of overdue and on-time repayment, you still have to charge unreasonable and illegal interest fees? This illustrates a very real problem:

You have to make the platform feel that you can't do anything, and you can't do it, so that they all lose confidence in you, and only feel that it is good to be able to recover the principal, and the stronger you will negotiate, the more you will negotiate, do you feel drunk when you see this, and this is the case? Let's take a simple example: someone owes you 100,000 yuan, and the repayment was good at the beginning, but then he couldn't pay it back, and he said to deduct the principal in front of you, I'll pay back your principal, and I can't pay it yet?

If it were you, what would you think? This kid wants to cheat and doesn't want to pay it back, so you definitely don't agree, what else can you sue? But when he really doesn't pay you back, you sue and wait for enforcement, or delay you for a year, you also feel that he really has no money now, if he says to give you the principal, do you want it?

Therefore, if you want to negotiate the repayment of the principal for an online loan, the best way is to hold on to the address book, overdue for half a year, one year, and you want to negotiate with them to repay the principal when you have money, and it will be a matter of minutes. I don't know if the two online loans I talked about my personal experience are helpful to you who are in debt, in fact, I am not a lai, and I don't want to be a lai, like CreditEase, the interest rate of 45% is completely forcing me to go in the direction of the lai. I'm going to pay back the principal and not pay it back, what should I do, give him a 24% annual interest rate, he doesn't want it, just let him sue.

Hello, it's a pleasure to serve you. I am a partner and am good at administrative, civil, criminal and contract law. I've seen your question, and I'm sorting out a reply to you, which will take about five minutes.

Hello, I'm glad to answer for you, 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.

Hello, in order to reduce overdue interest and repayment fees, borrowers need to negotiate with the platform as soon as possible to reach a repayment agreement. When negotiating repayment, be sincere. Explain that you owe money unintentionally and show your willingness to repay.

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