1. Actively negotiate and take the initiative to repay.
Don't wait for the overdue online loan call to come before you want to negotiate. Before the deadline, you can contact customer service to negotiate repayment, give a grace period or directly reduce interest. If customer service disagrees, you can call several times.
2, insiders, sincere attitude
When communicating with the collection staff, you need to be sincere. Don't just say you have no money. They are tired of hearing this. After you can tell the difficulties, express your good willingness to repay, list your repayment plan, and show that you have work income and are trying to raise money.
3. Be reasonable and keep the evidence.
If there are irregular behaviors such as membership fees and audit fees, or there is a phenomenon of violent collection, you can keep relevant evidence, understand certain legal knowledge to negotiate, pay due attention to your own words, and don't use language violence.
Second, in addition to the above skills, you need to pay attention to the following points:
1. You have to receive the call. You know, running away is not the way. Harassing contacts without answering the phone. Maintaining telephone contact is conducive to negotiations.
Don't panic if the address book is exploded. You can send a circle of friends to show that your identity information has been leaked. Ignore it.
3. If someone contacts you for a fake collection, you can only repay the principal and let you transfer it privately. Don't believe it. Whatever the outcome of the negotiation, don't transfer it without permission.
4. If there are illegal collections, such as fake lawyer letters, subpoenas, arrest warrants, etc. The other party's crime will be very serious and you can call the police or complain.
Extended data:
Consequences of repayment in loans overdue:
First, bear high overdue fees.
For overdue fees, different online lending platforms have different names and different charging standards. Whether it is called overdue penalty interest, overdue management or other various names, the charging standard is very high. Therefore, those who have the ability to repay on time should never be overdue.
Second, undertake the fancy collection of the platform.
The collection is generally divided into three stages: the first stage, just a few days after the overdue, the platform customer service MM will gently remind you that it is overdue, please repay it on time; In the second stage, if it is overdue for a long time, the platform customer service will seriously warn that the threat of overdue will face serious consequences; In the third stage, it was overdue for a long time, and the platform stopped trying to convince the other party and began to take practical actions.
There are many practical actions, such as: the platform pushes your arrears information to your relatives and friends, which makes you lose face in the circle of friends; The platform arranges special collection personnel to collect money at home and communicate face to face to collect accounts. Of course, these are still relatively mild. Some platforms outsource collection, and special collection companies collect them. The collection company "violent collection" that broke out some time ago believes that borrowers are not willing to encounter it.
Third, the People's Bank of China is tainted.
Most online lending platforms have not been connected to the PBC credit information system, but it has become an inevitable trend to access the PBC credit information system. In the future, if the online lending platform fails to repay the loan within the time limit, it will be recorded in the credit information system of the People's Bank of China, just like bank loans and credit cards that are overdue, causing credit stains. If the previous consequence is only losing face, then the stain of credit information will affect real life, and there is no way to borrow money if you want to buy a house, no way to mortgage if you want to buy a car, and so on.
Fourth, the defendant went to court.
After the loan is overdue for a long time or deliberately not repaid, after the amount exceeds 2000, it can already constitute a fraud crime and is in danger of being sued by the online lending platform. Once the court decides that the online lending platform wins the case, the borrower not only has to pay the money that needs to be repaid, but also pays the litigation costs and huge fines of both parties, and even faces jail time.