1, the role of negotiated repayment has scope of application. These people want to pay back the money, but they can't pay it back in full! If it is only to avoid prosecution and collection, then even after consultation with the bank, it is still impossible to fulfill the repayment, and all efforts are in vain, or return to the issue of collection and litigation.

2. The overdue consequences of the new orange premium product are very serious, which will have a negative impact on the borrower's credit information, thus affecting the future credit life. Therefore, everyone must be cautious when they don't get a new excellent orange loan.

First, I want to properly solve the problem of temporarily unable to repay the loan.

1, contact New Orange Premium

When you find that you may not be able to repay the loan, you should immediately contact the customer service staff of New Orange Youxiang to apply for an extension or change the repayment plan. The customer service telephone numbers of New Orange Youxiang are * and *. Working hours: 9: 00- 18: 00.

2. Raise funds as soon as possible.

In order to avoid overdue, Xi Cai Jun suggested that everyone find ways to raise funds as soon as possible, such as asking relatives and friends for help, or selling some items that are not commonly used in the second-hand market.

3. Respond to the collection reasonably

Once overdue, it will inevitably be collected by the new orange premium products. After receiving the collection call, everyone must be rational, actively communicate with the staff and express their willingness to repay. Never refuse to answer the phone, let alone attack the collection staff.

Second, the consequences of loans overdue.

1, personal credit is not good. As long as the borrower is overdue, the personal credit will be damaged, and this record will be kept for 5 years. During this period, if you want to handle bank credit business, the auditor will focus on checking credit records. If the loan is overdue for too long, it will lead to the formation of bad debts, which can basically be regarded as black households.

2. collect. Generally speaking, the post-loans overdue banking institutions will immediately arrange people to inform them by telephone, text messages and other forms. Although there will be no violent collection, there will be some phone calls. If it is overdue for a long time, the bank may outsource the debt to a third party company, and the daily life of the borrower will be affected to a certain extent.

In addition to the above consequences, if the borrower is overdue, he may be sued. Although banks rarely use this method, if the amount owed by borrowers is too high, it does not rule out that banks will also sue in court. Therefore, I suggest that you pay back the money on time and don't have the idea of default, otherwise it will really bring you a lot of trouble.