The solution to the delay in paying the customer's payment is as follows:

1. Negotiation method. After the agreed repayment period expires, both parties can negotiate for installment repayment;

2. Litigation method. If an agreement cannot be reached and the creditor's demands are fruitless, the creditor can file a civil lawsuit with the court with evidence such as ID card, household registration booklet, complaint and payment slip;

3 , payment order, the creditor can also apply directly to the court for a payment order to claim the amount owed. This method is relatively low-cost, but it is easy to fail and lead to litigation.

Legal basis: Article 678 of the "People's Republic of China and Civil Code"

The borrower may apply to the lender for an extension before the expiration of the repayment period; loan If the person agrees, it can be extended.

Article 674

The borrower shall pay interest according to the agreed period. There is no agreement or the agreement is not clear about the period for payment of interest, and it cannot be determined according to the provisions of Article 510 of this Law. If the loan period is less than one year, it shall be paid when the loan is returned; if the loan period is more than one year, It shall be paid at the end of each year. If the remaining period is less than one year, it shall be paid when the loan is returned.

What are the consequences of defaulting on a loan?

1. Penalty interest. Whether it is a loan or a credit card, the credit product will stipulate a repayment period. After that, the penalty interest will be calculated proportionally. Generally, it is 1.5 times the contract interest rate, the bank loan penalty interest will be lower than that of private loans;

2. Bad credit report. Nowadays, most credit products will be listed on the credit report. Defaulting on the loan will lead to bad credit report, leaving With an overdue record, it will be difficult to buy a house, apply for a car loan, or apply for a credit card in the future;

3. It is difficult to handle business. If your credit is bad due to default on the loan, it will be difficult to apply for a loan at a bank financial institution in the future, even if you can If you borrow money again, you will not be able to enjoy the preferential treatment of financial institutions. The interest rate will be higher and the limit will be lower than others;

4. Sue. If the loan amount is relatively high, it is not ruled out that the bank will take legal measures. To protect your rights, once you file a lawsuit in court and you still refuse to repay, the court may enforce it.