Loan negotiation repayment skills:

1. Actively negotiate and take the initiative to repay.

Don't wait for the overdue online loan call to come before you want to negotiate. Before the deadline, you can contact customer service to negotiate repayment, give a grace period or directly reduce interest. If customer service disagrees, you can call several times.

2, insiders, sincere attitude

When communicating with the collection staff, you need to be sincere. Don't just say you have no money. They are tired of hearing this. After you can tell the difficulties, express your good willingness to repay, list your repayment plan, and show that you have work income and are trying to raise money.

3. Be reasonable and keep the evidence.

If there are irregular behaviors such as membership fees and audit fees, or there is a phenomenon of violent collection, you can keep relevant evidence, understand certain legal knowledge to negotiate, pay due attention to your own words, and don't use language violence.

After the online loan is overdue, the borrower not only needs to bear a high penalty interest, but also faces various fancy collections, leaving bad information records in the online loan credit database and online loan credit blacklist. Once bad records are left in these credit reporting systems, it is very difficult to borrow them on other platforms. The second query data WeChat official account can provide you with comprehensive risk detection and online black index detection before online lending, online lending usage, whether there are overdue records and other online lending information.

Finally, I suggest that if you have the ability, you'd better repay on time and try to avoid the phenomenon of overdue repayment, so as to better safeguard your personal online loan credit.

2. What should I do if the online loan refuses to negotiate repayment?

Negotiate repayment with the other party as much as possible. Because the main purpose of collection is to make you pay back the money, as long as you have a positive and good attitude, the other party will not treat you like anything, and it is best not to have verbal or physical conflicts with the other party. If you really encounter door-to-door collection, you can also directly call the platform customer service phone to negotiate, maybe the other party will agree. The general direction of state supervision is to resolve the financial risks of online lending, and the method adopted is to persuade online lending companies to quit benign. So far, the effect is remarkable, and only 29 large-scale online lending companies are operating. Persuading online lending companies to quit is not simply ordering them to close down, but letting online lending companies come up with specific redemption plans. Judging from the current situation, online lending companies want to recover as much debt as possible and pay it to investors (lenders) as soon as possible to complete a benign exit. It is written in black and white in the loan contract that you can repay in advance and enjoy the right to reduce or exempt some expenses. Why doesn't it work in reality? In fact, online lending companies also have their own plans. For borrowers who are overdue, online loan collection will negotiate with borrowers to repay, reduce some fees, or even repay only the principal. However, for borrowers who have been paying back normally, online lending companies are unwilling to negotiate and constantly fool borrowers into paying back money. For example, Ms. A wants to negotiate every repayment date. The online loan company told her to repay the current loan before applying for negotiation repayment, but it was unsuccessful. When their legitimate rights and interests become difficult to maintain, it is not cost-effective to take legal channels, and individuals and online lending companies cannot afford it. Simply go to China Internet Finance Reporting Platform to complain and see if it can be effective. The worst plan is overdue and can only wait until the online loan company is willing to negotiate, but the borrower will also lose a lot. It would be too bad if the address book and credit report were leaked. Regular online lending companies will follow the contract process, and only those crooked ways are bent on deceiving people will make it difficult for borrowers everywhere. The company is profitable, but in the existing regulatory policy direction and contract, online lending companies should also be profitable. The borrower will be able to pay off the loan in the first time, the platform will return the money to the investor, and the state will supervise and resolve the risk of online lending. However, there are many platforms that have been making money savagely, waiting to see the regulation change.

Third, I owed the loan for two days, and I negotiated with the collection staff to repay it, but I refused to agree. I must pay it back in full immediately. What if negotiation fails?

You have to specify the repayment first and set the date yourself.

1, confirm where the other party is. Many online loan companies are looking for outside dunning companies, and generally call for dunning.

Next time you make a phone call, be brave and say you want to record and talk to him.

Pay back the money as soon as possible, or he will harass your family and friends around you, and you will be in trouble then.

And online loan apps are all robbing your address book.

But don't worry, now they are just threatening and won't really come to you. You didn't know that story was coming.

Fourth, the loan owed should be negotiated with the loan company. If they refuse to do so, they will pay back.

It doesn't matter if it is hacked, but the credit will be hacked.