Premise:

You borrowed 76,000 yuan. It's been 27 months, and you paid 90,000 yuan in installments.

Suggestion:

1. No matter how rich you are, don't worry about the amount of the original loan contract, don't negotiate, and don't pay back a penny!

2. In case of urging by the staff of this department, say a few words:

1) No money to pay back.

2) Don't harass.

3) Go through legal procedures.

3. If you meet a third-party collection company, it will be much easier, just a few words:

1) first ask what institution, name and address it is. Because they call you first, you don't have to answer any questions or provide any information to each other without fully understanding each other. -can't rule out the other party is a liar.

2) After obtaining the relevant information of the other party, just say: I see, I will negotiate with the original lending institution as soon as possible. Because the third-party collection company, even if it has a license, its business scope is limited to "notice". -there can be no black forces in China.

3) If the other person is always harassing you and your relatives and friends, then you should try your best to suck milk, even though you say they are: urging dogs, the lowest scum in today's society, and they will only hide in dark corners during the day like rats. Call the police if necessary. You are welcome to deal with this dog.

Finally, I'll help you calculate. If you go through legal procedures, even if you lose the lawsuit, how much will you pay back?

65,438+0. The loan is 76,000 yuan. According to the current regulations, the interest cannot exceed 4 times of the bank interest, that is, 1.56%/ month. 27-month interest: 76,000 * 0.0156 * 27/2 (repayment by installments, calculated in descending order. ) = 16005 yuan.

2. Pay back 90000-76000- 16005=2005 yuan.

3. Only pay back 2005 yuan+several hundred yuan in legal fees. Take a breath and punish these scum who loan sharks. Value!

This is a usury company, don't you know? If you don't pay back a penny, sue Ping An Pratt & Whitney and let the overcharged interest be returned to you.

Ping An Pratt & Whitney means usury, beheading interest, compulsory purchase of guarantee insurance, management fees and other expenses in the name of Pratt & Whitney. Go directly to the CBRC to complain, but there is really no way to sue. Let's negotiate first.

Pre-negotiation is very difficult!

① Stage 1: Recording short messages is a routine operation. First, contact the reserved numbers of friends, colleagues and relatives. Pressure repayment!

(2) The second stage: the short message records random explosions, one after another, and keeps bombing every day. Pressure repayment!

③ Three stages: unlimited, inhuman, malicious harassment, SMS ps, random phone calls, threats, pervasive, parents, brothers and sisters, frequent harassment, work phone number. All your contact information is obtained by illegal means, and people who have not contacted for more than ten years can find it.

(4) If the related APP is not uninstalled, it will automatically update the newsletter, change jobs, new company phone number, new colleague number, and then text message phone bombing. Immortal, stinking, ruining you.

⑤ These stages have passed, and you are already half dead, and even want to die. If they don't confess, they will take the initiative to negotiate with you and reduce it in stages. Of course, this stage doesn't matter to you. It is unrealistic to have money, and no one will lend it to you. I'm lucky to be alive. If you have money, this is also the best time to pay it back. Of course, when you repay, you need to get the original back in person and verify it clearly. After all, the collection is a third party, which will cheat you into the account first, and when you pay back a sum, the agreed relief will be gone. Still continue to urge, because the third party can't be the master at all.

Therefore, in order to settle accounts, you must personally get back the original, and make a receipt (settlement voucher) and affix the official seal. If the other party can't satisfy it, you can return it separately, wait for the other party to sue, and make it clear in court how much it should be transferred, and the court will issue a ruling.

In addition: your principal has been paid back, and they will negotiate interest with you later, but you are half dead in the early stage. You can collect evidence and take it out in court if necessary. All collection calls should be reported to the entrusting party first, and you can record them. Don't pay attention if you don't sign up Keep all threat information for friends and relatives to receive and send to you.

The more bottomless the collection, the less money you have to pay back. If you lose your job, people around you are afraid to avoid it. How can I borrow it? I don't know what these institutions think. It is not illegal to negotiate and reduce the borrower's profits. It is inevitable that if the debtor can achieve 50% collection, it will push those who have no money to the wall.

Of course, don't worry too much. Live a good life first. They are generally afraid to sue and are not clean. Court mediation is the most effective way to deal with litigation, provided that their contract will be accepted by the court. In short, you have paid off the principal, and there is nothing to lose by going to court. I'm afraid they will not hesitate to collect money illegally, because they generally won't let you get the evidence. At present, after the collection has been severely hit, they are more cautious. This requires a strong heart and endurance. Suggestion: communicate with friends and family in advance, treat anyone who comes to you as a liar, or scold them back, and you will stop harassing them.

Of course, if you have money, pay it back, so as not to worry!

Termination of repayment!

Online lending is lured by low interest rates, and once it is signed, it will be into the pit! For example, Ping An Pratt & Whitney Jinlu Road Loan! Low-interest fraud, the real cruel reality is that the service fee is 46% of the principal; The insurance premium of the pit is 28% of the principal; Beheading interest accounts for 5% of the principal; In addition to paying the interest principal, 80% of the principal should also be paid. Borrowing 654.38+ million, I was cheated by online loans for 80,000! Ping An Pratt & Whitney is cunning and ferocious! Eat people without spitting bones!

Eradicate the cancer of Pingan Pratt & Whitney Golden Deer.

Honest repayment is not negotiable. I am an example. I borrowed from 1 10000 to 107000, and paid 4900 installments every month. At present, 30 installments have been repaid, totaling147,000 yuan. If you don't want to return it, the court will not support it. Refund of insurance premium and service fee is impossible to negotiate. We don't have such things here. There are still six problems, and we are trying to move bricks.

I can tell you for sure that it is difficult. It is only natural to pay back debts. Generally, there are 36 issues, 27 of which have been returned, and the last 9. Try to make money to tide over the difficulties! This is the best way.

Now Ping An Pratt & Whitney is the only legal and compliant loan consulting service company, and the interest is basically legal and compliant. If you really want to reduce it, it will expire. It is almost impossible to negotiate price reduction now! As for the surrender of insurance and interest, it is basically illegal for the black industry. The probability of winning in the end is very low!

Response measures:

Inability to repay, that is, the income problem, is rooted here, and try to get through it.

Borrow money to tide over the difficulties, find relatives and friends to borrow money to tide over the difficulties, or borrow money to tide over the difficulties, provided that you have the ability to pay off, otherwise the debt will increase and the repayment pressure will be great. You haven't been collected, but you can still borrow some money. Once it's overdue, your reputation and contacts will basically be ruined.

It's overdue, which is the last thing I want to see. After the deadline, I will face a collection. Whatever your reason, it's your fault that it's overdue, and I'm sure I'll face a collection! Get ready!

A friend of mine borrowed Ping An Pratt & Whitney140,000 to be a milk agent the year before last. As a result, an epidemic happened, most of the products could not be sold, and all the money was lost. I had to go out to work, patchwork and borrow some money from others. I barely paid it back in August, and I paid back1more than ten thousand yuan. I really can't return it. Ping An Pratt & Whitney began to harvest in September, because at the time of the loan, several relatives and friends left their phone numbers. They not only kept calling my friends, but also called their relatives and friends many times. Friends are at a loss. This year, they bowed their heads in front of relatives and friends and even dared not go home for the New Year. Last time I called to complain, I said I had had enough. I want to stop my mobile phone every day, but I dare not turn it on, for fear that my colleagues will know about it. Physical and mental exhaustion, mental breakdown. I was afraid that she would have a hard time outside, so I called to enlighten her and told her not to be afraid and treat the waiter correctly. It's not that I can't pay back the money, but that I can't afford it now. I will answer the phone at my convenience, explain the specific situation to them, negotiate the repayment plan and deduct inappropriate interest. Because she said it was equal principal and interest repayment, almost 6000 a month, and more than 200 thousand in three years. It is difficult to get through to my friend's phone now, and sometimes it takes a long time to answer it. I'm really afraid something will happen to her. I don't know when it will end

I can tell you for sure that it is possible.

Is the interest on Ping An Pratt & Whitney loan super high? Your loan is 76,000 yuan. If you repay it in 36 installments, it will be about120,000 yuan. Do you know what extra expenses are included in the interest? Does it hurt you to pay back the money each time? In fact, these are all deductible.

This is easy to handle. More than 90 thousand has been paid. Why should I pay back the money? I must keep my repayment record in the screenshot in case I can't pay my debts by then. I must take a screenshot in advance and take a screenshot of your monthly repayment amount and total loan amount. Don't worry about the rest. Just tell Ping An that I'm in trouble and I can't pay it now. Ask him to give you a proof of settlement, and I don't have to worry if I don't come out.

As far as you are concerned, you have paid off 27 installments, which means that this should be the loan term of 36 installments. But you have to think about it. After paying 27 issues, you have already paid almost 20 thousand more. So you are already a loan shark, so you don't have to pay it back, never mind, just let it go as you like, just remember to call once a month, and then say that you can't afford it now if you have difficulties. Can you issue a settlement certificate?

At present, many people in Ping An Pratt & Whitney are responding to usury and malicious collection, so it is not unusual for you to have this situation here.