It is difficult to negotiate. According to the official answer of ICBC, if users really have difficulties in repayment, they can bring their ID cards and credit cards to the card issuing agency for consultation on weekdays. However, according to many users, ICBC is more difficult to negotiate than some other banks. For the successful experience of actual negotiations, the main body can refer to the following points:

1, put forward the ideal negotiation amount, so there will be more room for adjustment.

2. Prepare materials to prove that it is really difficult to repay, and move out of the administrative measures of the People's Bank of China to ask for interest relief. In principle, users who are willing to repay but unable to repay can negotiate repayment and make new repayment plans.

3. If ICBC refuses, it can lodge a complaint through the Bank of China Insurance Regulatory Commission. Note that this process is relatively long, and ICBC staff will repeatedly contact and confirm. Be sure to stick to the bottom line of your negotiation amount and communicate patiently.

Loans overdue influence:

First of all, late payment will affect personal credit. Lenders borrow money from banks. If they don't repay within the time limit, their personal credit report will leave a bad credit record. It is very difficult to apply for credit cards and loans in the future, and most of them will be rejected, which will bring a lot of trouble to personal production and life.

Second, the most direct consequence of not paying back the credit loan is a high penalty interest, and you may have to pay a certain penalty. Even the principal and interest add up to a lot of expenses, and the result of not repaying on time is to increase my economic pressure.

Third, in loans overdue, the lender will face all kinds of collection. Banks or financial institutions have their own collection systems. After the lender is overdue, the first-class collection will send you a text message and call for a reminder. If it is not returned for a long time, and the degree is serious, there will even be a collector to collect it in person. This overdue person should be psychologically prepared and try to pay off the money as soon as possible before solving it.

Fourth, if the loan is overdue for a long time and the amount is large, the lender may be sued by financial institutions. After the lawsuit is accepted, the lender's assets may be sealed up after the court pronounced a sentence. This is the "repayment reward" that the lender must implement, otherwise, the court will seal up the property and other assets under your name according to law and repay the arrears with the proceeds from the auction.

Fifth, if the circumstances are serious, you may go to jail. Normally, incidents such as borrowing money and not paying it back are civil disputes and will not rise to the criminal level. However, if some lenders refuse to implement and insist on not paying back the money, if the circumstances are serious and bad, the court will also investigate the criminal responsibility of the borrower as appropriate, and if the circumstances are serious, they will go to jail.

Is it reliable to postpone repayment through third-party legal negotiation?

Is it credible to negotiate repayment legally?

Not very credible.

Generally speaking, legal consultation is not credible, but through observation, most of their negotiation methods are direct consultation with the funders. Then negotiate with the platform.

Generally, the time for the financial platform to entrust a third-party collection company is limited, and your list will be transferred to another collection company when it expires. Therefore, during the time when your list is in the rush, he has the absolute initiative, whether to follow or not. As long as you pay the commission, you are in a passive position.

Feature description

Negotiators in the market all ask for calling cards, because financial institutions oppose the intervention of third parties and can only repay them face to face. So if they want to speak for you, they can only use your phone card and pretend to be your identity. To negotiate this matter, you need to call the bank several times to apply. When the new repayment plan comes down, the bank will also take the initiative to call this calling card.

Is it reliable to find a legitimate company after the online loan is overdue?

1. Legal companies on Baidu that specialize in solving overdue online loans and credit cards are generally frauds. I suggest you don't trust them easily. There is no such company. If there is any business information that can be found in this company, it will generally be exposed. The interest of online loans is generally higher than normal interest, and the calculation of overdue fines and liquidated damages is also very different from that of regular loan products. Timely repayment is far from illegal online lending.

2. Because this so-called company and the so-called installment payment business are illegal! Proper consumption, no overspending, timely repayment, hard work, life will get better and better, and reputation will get better and better! In case of bumps and bumps, you can't repay on time, and you should contact the official customer service of the bank at the first time to apply for delayed repayment. The official customer service will record it and apply to the superior. Once approved, it can be carried out in a new agreed way, which will not affect the credit investigation! This is the right way.

Is it credible to negotiate repayment legally?

The legal affairs of online repayment negotiation are difficult to distinguish between true and false.

Verification method:

First, the lawyer's license. If the other party tells you that he is a lawyer, you can ask him to show you his lawyer's license. If the other party can't show his lawyer's card, then he is not a real lawyer. Without a lawyer's license, he is not a lawyer, and he is certainly not a professional. It makes no difference for you to consult a non-professional.

Second, proof of work. If the lawyer tells you that he is a legitimate company, you can ask him to show you the business license of the company. If you can't get a business license, a work number plate and other documents that can prove your legal identity can also be used.

If the other party can't produce any evidence, but get you some screenshots of WeChat chat and try to fool you into buying services, you can conclude that the legal service you are looking for is unreliable, and you are a liar in nine cases out of ten. Don't be credulous, lest you suffer unnecessary property losses.