In fact, many banking financial institutions now entrust third-party collection companies to share the commission ratio with them, so banks will only manage the specific recovery amount. It is no problem for you to negotiate directly with a third-party collection company, as long as you ensure that it is legal and legal, and don't be cheated when the time comes, and the loan has not been settled.
1, bank negotiations are very difficult.
In fact, as a bank, it has a high status and will not negotiate repayment with many users. It will act in accordance with the loan contract, and the consequences of default will be clearly written in it, which is difficult to negotiate. Of course, this possibility is not ruled out. As a borrower, we must strive for all possibilities and negotiate a repayment plan.
2. Ensure profits
Because once the bank gives the debt to a third-party collection company, they can guarantee that all the money recovered will not be recovered, but the fixed amount will not be less. Once it agrees to negotiate with the borrower, it will inevitably lead to losses.
Therefore, here we suggest that the borrower, if the third-party collection company determines that it is the cooperation of the bank, needs to obtain the qualification certificate, and it is best to consult the bank and ask the other party to give a contract or agreement to negotiate repayment, and don't rush to repay or repay through private channels, otherwise it is easy to be deceived.