1. Actively contact the online lending platform.
After the user's online loan is overdue, it is best to actively and actively contact the online loan platform at the first time.
First of all, users need to explain that they are not maliciously overdue and indicate their willingness to repay.
Later, I will inform the online lending platform of my own economic situation, indicating that I really have no repayment ability and cannot repay on time.
Finally, users can apply to the online lending platform for negotiated repayment.
The application submitted by the user must be reasonable, for example, applying for partial reduction of overdue interest.
However, it is difficult for users to apply for loan interest relief directly.
The loan principal and interest must be returned, and the overdue interest can be reduced or exempted through negotiation.
In order to reduce overdue interest and repayment costs, users should reach an agreement with the platform as soon as possible.
2. Be sincere when negotiating.
When negotiating with the online lending platform, users must show their determination to repay, which will increase users' recognition of the online lending platform.
At the same time, the attitude of communication should be sincere, and you need to explain your repayment ability in detail.
Users say that they are unable to repay the loan, and relevant supporting materials must be prepared. After all, there is no evidence in their mouths, and online lending platforms cannot judge the truth from what users say.
With the proof material, we can know whether what the user said is true or not by looking at the proof material.
3. Pay attention to keeping relevant evidence.
Some online lending platforms have illegal charging behaviors. Users should first find relevant evidence from the loan contract, or take screenshots of the loan page and repayment page.
In the process of collection, there are cases of violent collection, and users should also keep relevant evidence.
Due to the illegal operation of the online lending platform itself, after the user is overdue, the online lending platform usually does not sue the user.
And users prepare relevant evidence to negotiate with each other, so the probability of successful negotiation will increase.
4. Negotiations should have clear reasons and evidence.
It is emphasized here that users must have reasons for overdue and proof materials that can prove that they are unable to repay.
After receiving the user's negotiation application, the online lending platform will review the user, and during the review process, the user will be allowed to upload relevant certification materials.
If users prepare enough materials, the probability of passing the examination will be high, and the probability of successful negotiation will also increase.
However, if the user does not have relevant supporting materials, whether the user can pass the audit or whether the negotiation is successful shall be subject to the reply of the online loan platform.
5. Negotiate repayment for many times.
The applicant applies to the online loan platform to negotiate repayment by calling the customer service hotline, but it is usually impossible to negotiate successfully at one time, and the user needs to call several times to apply for negotiation.
When communicating, we must show our willingness to repay, and actively strive for deferred repayment, installment repayment and reduction of penalty interest.
For online lending platforms, recovering overdue debts is the ultimate goal, so users can increase the probability of successful negotiation through multiple attempts.
At present, there are many online loan big data systems that can provide online loan record queries. You can find important data information such as online loan application record, application platform type, overdue, overdue amount, credit card and online loan credit estimated amount.
Extended data:
What are the consequences of overdue online loans?
The consequences of overdue repayment of online loans are as follows.
1. Overdue records affect personal credit information. After the online loan is overdue, the overdue record will be uploaded to PBOC credit information and online loan big data. Overdue records in PBOC credit information will lead to bad personal credit information, and overdue records in big data will lead to problems in big data.
2. After a large amount of overdue penalty interest is paid to loans overdue, the online lending platform will charge overdue interest according to the number of overdue days. The longer the overdue days, the more interest will be charged.
A large amount of overdue interest will increase the repayment burden of users, which is not conducive to paying off overdue debts as soon as possible.
3. In the face of a large number of overdue collection of online loans, users will face a large number of collections, including SMS collection and telephone collection. When the overdue situation is serious, there may even be cases of collection at home.
A large number of collections will affect users' daily life, and friends and relatives around them will also be affected.
4. If the overdue situation is serious, the platform will sue the user. If the overdue situation is serious, the online lending platform may sue the user. Once the user is sued, personal credit will be further damaged.
Moreover, if the court makes a judgment, the user will definitely lose the case, so the user still needs to return the overdue debt.
Users must actively negotiate with the online loan platform after the online loan is overdue.
As long as the negotiation is successful, the user can get enough time to repay the overdue arrears, and at the same time, during the repayment period, no overdue interest will be charged, and no large amount of collection will be encountered.