If loans overdue, there will be a Commissioner to collect the money. At this time, it is necessary to negotiate with the auction loan to avoid collection affecting daily life. It is suggested to call the customer service hotline directly to explain the reasons for overdue, indicating that you are not maliciously overdue. Then show a good repayment attitude and agree on the repayment amount and repayment time. Finally, it is necessary to negotiate not to upload overdue records to the credit information, so it is almost agreed.

In any case, you must pay back the money you owe. Even if the loan is willing to reduce some overdue interest, the previous loan principal and interest still need to be returned according to the contract.

Overdue negotiation repayment skills

1. Negotiate with lending institutions.

Take the initiative to find the bank to provide relevant certification materials to prove that you are willing to repay, but for some reasons, you really don't have the ability to repay at present. Poverty certificate, hospitalization certificate and unemployment certificate are all acceptable.

2. Seek help from a third party.

In the case of sincere attitude, full information, truth and effectiveness, banks or other platforms still refuse to negotiate repayment, or banks kick the ball and refuse to give substantive solutions. Then users can complain to the local banking regulatory bureau.

According to Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, under special circumstances, if it is confirmed that the amount owed by the credit card exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement.

Therefore, many users get the opportunity to negotiate repayment through the intervention of the banking regulatory bureau. Some users also reported that the negotiation was successful by complaining to the Bureau of Letters and Calls. In addition, some internet complaint platforms such as black cat complaints can also play a certain role.

Xinyi Technology Group is a financial technology company mainly serving P2P lending and financial information. It was established in June 2007 and is headquartered in Shanghai.

The company's business includes financial technology business, international business and technology ecological incubation business, and it was listed on the New York Stock Exchange on 20 17 1 10.

In June, 20021,Xinyi Technology participated in the $6 million Series A financing of the second-hand car trading service platform "Cheduoduo".