Installment music can negotiate to postpone repayment. Users can call the installment music customer service phone directly, transfer the manual service according to the voice prompt, and then apply to the customer service for deferred repayment, and explain the reasons for the delayed repayment. Customer service will submit an application for deferred repayment, just wait for the audit result, and will notify the audit within 24 hours. After the deferred repayment is successful, the repayment bill will be changed.

1, Staging Music is a high-quality staging mall owned by Lexin? , founded on 20 13 and 10, is the pioneer of China's installment shopping e-commerce model, and has been adhering to the brand concept of "happy is good, the more you look, the better". Staging Music is the website of "Shenzhen Staging Music Network Technology Co., Ltd.", headquartered in Shenzhen, focusing on online shopping malls for young people.

At present, Staged Music Mall has established cooperation with many well-known brands such as Apple, Huawei, OPPO, vivo, L 'Oreal and Philips. , becoming the third largest Internet channel after JD.COM and Tmall. Staging Music Mall has also introduced e-commerce platforms such as JD.COM Mall, Xiaomi Youpin and Koala Haibu, and exported staging music service capabilities from many high-quality external platforms such as Xiang Yang Wharf and Mawei Cell. As of March 2020, the number of goods in installment music mall has exceeded 2 million. By stages, we have enjoyed the investment from many top domestic and foreign investment institutions and well-known enterprises such as JD.COM, DST, Xianfeng Huaxing, Jingwei China and Bertelsmann Asia Investment Fund.

2. Staging Music is the first governing unit of China Internet Finance Association. In terms of business model, Staging Music cooperated with JD.COM Mall and many partners, starting with buying mobile phones by Staging Music, and gradually expanding to the whole 3C digital, outdoor sports, beauty care, education and training, eating, drinking and having fun and other fields. By April of 20 16, Staging Music had registered more than 8 million users, providing various support for the rational consumption of young people and white-collar workers. In 20 15 years, the annual sales of installment music exceeded 10 billion RMB, and the monthly sales exceeded 2 billion RMB.

3. Staging music has created a micro-consumer finance business model on the Internet. At the front end of consumption, staged music has improved the shopping experience of users through cooperation with JD.COM and others; At the back end of creditor's rights processing, orange financing was launched in June of 20 14, and all creditor's rights were exclusively represented by stages, forming a closed-loop ecology of "self-production and self-sale".

How to negotiate installment music deferred repayment

1. Open the installment music APP login account and click "My".

2. Click "Help Center".

3. Click on "Online Consultation"

4. Enter the customer service page and apply to the customer service for deferred repayment.

1. In case of deferred payment, the payer's issuing bank shall notify the payer and urge him to raise funds and repay the payment as soon as possible. At the same time, notify the receiving bank and forward it to the payee. After the payer receives the payment, the bank will deduct the money according to the deduction order stipulated by the state, and go through the transfer formalities, calculate the compensation according to a certain proportion of the delay days and the delay amount, and transfer the money together with the money. Receiving unit. For long-term delinquent units, banks can stop using collection and acceptance settlement methods and use letters of credit or remittance settlement methods to protect the legitimate rights and interests of recipients.

2. A loan contract of a financial institution can be established after both parties to the contract reach an agreement through consultation. If it is established according to law, it will take effect as of the date of establishment. In the absence of special agreement between the two parties, the establishment and effectiveness of the contract is not based on the delivery of the lender's loan, so the loan contract of a financial institution is a commitment contract. The loan contract between natural persons is different, which is established when the lender provides the loan (Article 679 of the Civil Code). Compared with the loan contract between natural persons, the loan contract of financial institutions

3. The vigorous development of 3.P2P lending market, on the one hand, helps small and medium-sized enterprises and individuals to solve the problems of entrepreneurship and capital turnover in order to cope with short-term financial difficulties. On the other hand, it has created a new investment environment for individual investors. On the whole, peer-to-peer lending capital is becoming a new way of lending, which is bound to provide greater impetus for the future development of the financial market. But also keep a normal heart. It should be noted that the rise and prosperity of P2P lending platform needs the common maintenance of both borrowers and lenders. At present, the supervision system of network platform is still lacking, which should be improved as soon as possible to avoid the risk surge in competition. After all, the lending industry is not a short-term profiteering industry, and it is still necessary to take the road of sustainable development.

Can installment music be returned slowly through negotiation?

If you can't pay off the installment music for a while, you can negotiate to pay it back slowly, as follows:

1. First call the service hotline 95730 (service time: 9: 00 am to 265438+ 0: 00 pm every Monday to Sunday) to contact the customer service staff of the staged music platform.

2. Explain your intention to the customer service, explain clearly that you are temporarily unable to repay, and provide corresponding information to prove that you did not intentionally owe money, but were really unable to repay; He also expressed his willingness to actively repay the loan, and then tried to apply for extending the repayment period and repaying the arrears in installments.

3. Stage music should be considered appropriate. If the negotiation is unsuccessful, you can adjust your repayment plan and try to communicate and discuss many times. If the negotiation is successful in the end, the arrears can be repaid in monthly installments according to the newly negotiated repayment plan. If the final negotiation fails, we can only find another way. For example, you can try to borrow money from close relatives and friends to raise funds to repay the arrears.

Can installment music negotiate repayment?

Of course. When customers negotiate repayment with installment music, they need to fill out an application for personal relief, and they can negotiate repayment only after approval by installment music company, that is, only the principal is repaid. For some customers who are overdue for too long, installment music company will agree to negotiate repayment, because it can also recover some losses. If loans overdue is borrowed by installment for more than one year, the customer can contact the customer service of the platform for negotiation. If there is no repayment ability, you can try to apply for interest reduction. As for whether it can be interest-free in the end, it depends on the evaluation and audit of the staged music platform. However, it is estimated that it is difficult to successfully exempt interest. For customers who have no repayment ability, after consideration, the installment music platform mostly agrees to extend the repayment period or repay the arrears in installments, but the corresponding interest generated during the overdue period still needs to be repaid. It is suggested that customers should develop the good habit of being able to repay on time and try to avoid overdue situations. If it is overdue, we must also find ways to pay off the arrears as soon as possible. Even if it is really impossible to pay off all the debts in a short time, you should raise funds and pay back a little, so as to prove your willingness to take the initiative to repay in the process of negotiating repayment later. Don't deliberately avoid not paying back. If the overdue circumstances are serious, the staged music platform can sue.

Negotiated repayment

If the online loan is overdue, it is suggested that the borrower must actively negotiate and take the initiative to repay. It is best not to wait for overdue calls from online loans to negotiate. You can contact customer service to negotiate repayment before the deadline, give a grace period or reduce interest, and you can call more. Then, you should be considerate and sincere. You need to be sincere when you communicate with the collection staff. After talking about the difficulties, you need to express your good willingness to repay and list your own repayment plan. At the same time, you should also explain that you have work income and are trying to raise money. In addition, be reasonable and keep relevant evidence. If there are violations such as membership fees and audit fees in online loans, or there is a phenomenon of violent collection, you can keep relevant evidence and understand certain legal knowledge before negotiating. You must pay attention to your words.