1. You did buy the mobile phone in installments and paid half the money.
Two or three years have passed, and you have not continued to pay the remaining amount.
Now someone has contacted you and asked you to pay back the money.
In this case, you can take the following measures:
1. First, carefully review your original purchase contract, installment agreement, loan terms and other documents to ensure that you have an accurate understanding of the purchase and payment terms.
2. Then, verify the identity and authorization of the person who contacted you. Make sure they have the right to ask you to repay the loan.
If they have legal authorization, you can consider negotiating with them to make a repayment plan. You can ask for repayment in installments, which can alleviate your current financial pressure.
If you think that the other party has no legitimate reason to ask you to repay the loan, you can consult professional legal advice and take appropriate legal action to safeguard your rights and interests.
To sum up, in the face of this situation, you need to study the relevant documents carefully, verify the identity and authorization of the other party, and then take appropriate actions. Different situations may require different treatment methods, and it is best to consult professionals.
Extended data:
1. installment repayment: it refers to dividing the loan amount into multiple payments within a period of time according to the agreement. Suitable for some large purchases, such as houses and cars.
2. Installment payment platform: a platform for providing installment payment services for shopping. Through this platform, consumers can pay commodity prices in installments to reduce the economic burden. Common installment payment platforms include Zhaolian Finance and JD.COM IOUs.