1. Communicate with the bank in time: contact the Bank of North China as soon as possible, explain the reasons for the difficulty in repayment, and let the bank know your situation.
2. Reschedule the repayment plan: negotiate with the bank to re-formulate the repayment plan suitable for your own economic situation, extend the repayment period or reduce the repayment amount in each installment.
3. Seek help and consultation: If you can't negotiate with the bank, you can seek help and consultation from a third party, such as consumer protection agencies and financial consulting agencies.
4. Handle the collection behavior cautiously: If you encounter the collection behavior of banks or collection agencies, you should keep calm and ensure that the collection methods of relevant parties are legal and compliant.
To sum up, if you don't repay Yin Bei's consumer loan, you should communicate with the bank in time and make a suitable repayment plan again. If you solve your own difficulties, you can seek help and consultation, and at the same time, you should handle the collection behavior carefully.
Extended data:
According to the provisions of General Principles of Civil Law of People's Republic of China (PRC) and General Principles of Civil Law of People's Republic of China (PRC), the borrower shall repay the loan principal and interest in time as agreed in the contract. If the loan cannot be repaid on time due to special reasons, it is necessary to negotiate with the creditors for a solution. Failure to repay on time may lead to damage to credit records and affect personal credit rating. Therefore, it is very important to communicate with creditors in time and make a reasonable repayment plan when encountering repayment difficulties. At the same time, the Law on the Protection of Consumer Rights and Interests also stipulates the behavior of creditors in the process of collection to protect the legitimate rights and interests of borrowers.