I borrowed almost more than 20 online loans, and there were hundreds of thousands. Previously, it was also maintained by robbing Peter to pay Paul. Later, because the capital chain broke, I stopped borrowing online loans, but tried to borrow money to repay online loans. In order to repay these online loans, life is relatively tight. Because of harassment, I also offended many relatives and friends. Think about it and regret it.
My current income is more than 4,000 points, except for some basic living expenses, most of which are paid back by online loans. My method is to pay by installment. More than 20 platforms have to be retired, and each platform costs two or three hundred yuan. They think I haven't paid enough, and they call me every day to harass me and say that my repayment is invalid and so on. I don't care about that I have an account for the monthly repayment of each platform, and I remember clearly how much I paid back. Because some online loans have penalty interest and various charges in addition to the principal, I don't admit it.
So far, 10 online loan has been paid off, and there is still hope. When these online loans are paid back, I won't have to pay lower interest. In recent years, it has been badly done by online loans. What annoys me most is that I can't do anything about them.
Of course, it is ok to save enough for centralized repayment at one time, but it is not easy to collect it. Half a year or a year's repayment period is out of the question, and they will continue to harass. Some debts were changed because of the loss of collectors. The loss of people who do collection is very serious, and those who can do it for a month are excellent employees.
165438+202012, the People's Bank of China and the China Banking Regulatory Commission issued the Interim Measures for the Management of Online Microfinance, which stipulates that online lending institutions are not allowed to handle peer-to-peer lending business across administrative regions, that is, online lending companies are registered in Hangzhou and you are in Sichuan, so a few loan contracts between you and online lending companies are invalid, so the contracts are invalid, and online lending companies are not allowed to claim repayment obligations from you!
Most online lending companies themselves have not been approved by law, and they are unlicensed. You don't have to pay them back.
Recently, many well-known online lending companies, such as Ping An Pratt & Whitney, Jiufu and Gitzo, have been exposed to negative news: Jiufu was tried according to law in the Supreme People's Court, Henan Province, and "Jiufu" used Internet technology to engage in lending business without the approval of the financial supervision department, which seriously disrupted the financial market and harmed the public interests. Its creditor's rights were illegal and would not be executed!
Gitzo is being investigated by relevant departments for illegal acts such as violent collection of borrowers and disclosure of personal privacy. ...
Ping An Pratt & Whitney has terminated its loan business with all insurance institutions. Does this mean that Ping An Pratt & Whitney is preparing for the retreat? We'll see. ...
Therefore, the good days of online lending have come to an end. Have you fulfilled the phrase "I will pay it back sooner or later"
These 10 online loans you borrowed must be based on understanding what is legal and illegal, what should be returned, and what should not be returned blindly. There is only a dead end to raising loans with loans. Just make money. What you should do through the above content is your own decision!
I owe more than 70 pounds. Half of the bank's online loans, the income is less than 10 thousand, and now it is completely overdue, because the amount of debt is too large, the interest can not be borne, so it can only be put back slowly.
Now you need to list your debts, credit card bank loans, online loans with credit information and online loans without credit information. Return it slowly in this order.
If you have a credit card, you can negotiate with the bank for personalized installment, up to 60 installments. Banks can also negotiate.
Online loans generally do not negotiate installments. Now you need to save money, and then negotiate to pay back only the principal. Some friends around me have also encountered some online lending platforms, which can be repaid within a period of time. For example, 1 year can be repaid at any time and one year later.
If you can negotiate, you should take the initiative to negotiate, explain your predicament, and strive to minimize interest costs. If the negotiation fails, don't worry. Just live and make money. Adjust your mentality and everything will be lighter.
If the debt wants to go ashore, the first step is to stop raising loans with loans. This is an endless cycle, which will only increase rather than decrease.
In fact, more than 200 thousand is really too little for most debtors. I owe more than one million, ranging from thousands to thousands.
As long as you have done the first step, we can begin to plan how to repay the loan.
Five suggestions, I hope to help you.
I. List of all arrears
When the debt is clear, I know how to pay it back, what to pay first and then where to pay it back.
Generally, banks and credit cards are preferred. Online loans can be temporarily put down.
200,000 installments need a daily net income of 273, which is on the premise of only repaying the principal. Do you suddenly feel that there are not many?
2. Give priority to communication and explain the situation.
When the income is less than the monthly repayment, those who are overdue can only be overdue first, and call the bank customer service in advance. Explain the situation and express willingness to repay. You don't usually get sued. All we need is time. Use time to make money and pay off debts.
Step 3 get busy. give up
Get busy and spend all your free time trying to make money. You can earn more if you can. On the premise of ensuring life, we have the ability to repay.
Give up, give up all useless socializing, and make more friends who can help you and increase your income. It will be easier to land this way.
4. Learn to enrich yourself
There is no harm in learning to enrich yourself at any time. Improve your cognition. In order to make more money, because the old saying goes, you can't make more money than you know. Only by improving yourself can we broaden our horizons.
Soothe family, friends and relatives
This is mainly to reassure yourself and your family. I want to tell your family, relatives and friends that I will take the responsibility and disturb everyone's life. Just don't answer strange calls.
The final repayment is a protracted war, so don't be impatient. Let yourself rolling in the deep.
Thank you, and wish you an early landing.
Hello, because in the economic environment, major loan companies are urgently withdrawing funds, and the collection will be intensive, which will put great pressure on the debtor's heart. How to plan, give you some advice:
1. List the debt lines of more than a dozen online lending companies one by one, and determine their own debt lines.
2, positive face, collection is not terrible, now violent collection is illegal, you can tell them your current situation, not malicious arrears.
3. Communicate with the loan companies whether it is possible to reduce the interest and only repay the principal, or whether it is possible to extend the repayment period.
4. Do a good job in your mind, find one or several jobs within your ability and have a stable income. Don't think that getting rich overnight or falling pie in the sky will make you pay off your debts.
There is no hurdle. Make a good plan and everything will pass. Come on!
Let me return to this question. I am also on the road to debt now. It used to be because of robbing Peter to pay Paul, which caused the arrears to snowball. It was not until the new platform could no longer be borrowed that it was serious.
Now that you are overdue, I believe they have collected what they should, so what you have to do now is to solve them one by one.
Suggestion:
(1) When sorting out debts, you must know how much you owe now.
It should be noted that most debtors owe a lot of online loans and credit cards, some of which are in installments, so they will not be shown on the bill. If you want to know, you can click on the details or have a look.
Only by clarifying all the arrears and the arrears of those platforms can we plan the next step.
(2) Stop supporting loans with loans, which is an important landing process.
This process is that you have to find out your current monthly income, MINUS your monthly living needs (rent, water and electricity, communication, living expenses), how much is left to pay back?
Then according to the amount you can repay, roughly calculate when you can go ashore.
Here, I know what you say now is not enough. You should consider confessing to your family. If they are willing to help you, that is the best. I can't help you, you'll feel better.
Here are your own steps to see if you can coordinate the installment payment and reach your monthly repayment amount. There is also the need to open up sources of income and increase sources of income, so as to land more quickly.
(3) Be an ascetic and pay back the money according to your repayment plan.
Yes, this step is simply to pay back the money according to the repayment plan. This process will be very difficult, not only to face your own heart, but also to face external pressure. After all, if you are in debt, you will be gossiped. All you have to do is stick to it.
These are my thoughts, and I hope I can help you. This is how I repay the loan now, and the road to repayment is very difficult. I hope we can keep warm with each other.
More than a dozen online loans add up to more than 200 thousand, basically more should be 30 thousand to 50 thousand, and less may be only a few thousand.
They are all online loans, and there is definitely no criminal responsibility.
First stop all repayments, then actively negotiate to reduce the interest rate to a legal level, and then pay off the repayment by each family. At this time, you don't have to worry too much about credit reporting. Now many online loans have access to credit information, and many of them are overdue. Credit information must be black.
If the online loan is still not paid, don't pay it back bit by bit. You must spend every penny on the cutting edge, and every penny should be used to actually reduce debt. For online loans, it is necessary to settle them one by one, and it is forbidden to refuel piecemeal, or to give them to whoever is in a hurry.
More than a dozen online loans, all overdue, can be expected, basically the address book will be exploded. Therefore, it is necessary to make preparations in advance and say hello to family, relatives and colleagues first, so as not to be caught off guard by the phone.
Then you should concentrate on your work as much as possible, and don't answer the phone. You can take the initiative to call customer service to explain the situation and propose a reasonable and legal repayment plan. Deal with what you accept first, and postpone what you don't accept.
According to the latest policy on August 20th this year, the upper limit of judicial protection of private lending interest rate is 4 times LPR, which is about 15.4% per year. You can use the loan calculators of major banks to find out the money that each bank needs to pay back according to the legal standard, and then put forward your own repayment plan according to this standard.
In this way, if it is a few thousand dollars, it may be possible to settle down a family in a month or two. At this rate, we will be able to settle ashore completely in about two or three years.
Some people suggest asking parents for help, but I don't. You should take the responsibility yourself. After subtracting more than 200,000 yuan, there may be only 654.38+10,000 yuan left, which is not a hopeless amount. The process of paying off debts is also a physical and mental exercise. After that, your will will become very strong.
Come on!
Pay attention to the big fish saying debt and update it with your heart every day.
Talk about skills, knowledge, logic and attitudes related to debt.
When we are caught in the debt vortex, the first thing to do is to stop lending to support loans. Then, consider how to increase your income according to your own situation! Only paying debts with your own income is the correct and reliable way.
Raising a loan with a loan will only make your principal interest roll more and more. Finally, you will find that the debt has just been transferred and has not been solved at all!
The main body only has a debt of more than 200,000. Even if the monthly income does not reach the integer of 1000, there is still a total of 89000, right? In fact, you got off to a much better start than most debtors.
My suggestion is: solve one platform and then solve the next platform. Collect the principal of a platform and negotiate to repay the principal by phone.
If there is a big platform in your overdue platform, it is preferred. For example: borrowing, consumption, small loans, in the first place, regardless of the amount. Then, deal with other 7788 online loans.
It's best not to pay a little every month, because you are overdue now. Before reaching an agreement with the platform, you will give priority to deducting interest and penalty interest from your money, and you will not deduct the principal at all.
For online loans, there is no better way than paying back the principal at one time. So come on, debtor! Try to save enough principal and negotiate repayment with the platform.
I'm Zhou Xiao, and I'm focused on solving overdue debt problems. I wish everyone an early landing and pay off their debts!
Borrowing money online can force you to go ashore.
More than a dozen online loans add up to more than 200 thousand, and I don't want to borrow the east wall to make up for the west wall. How to plan repayment?
It is fully expected that the monthly fixed income will be less than 10000, and more than 20,000 yuan will be paid each month. Should we suspend repayment and save money at one time, or choose to pay a large amount of money every month? ask the way
First of all, since it has been completely anticipated, don't think so much, don't return it all. After three months overdue, depending on your income, negotiate with the bank to repay the loan in installments, up to 60 installments, and provide the required information according to the needs of the bank. If you pay back a little, you always have to pay back the interest. The principal is increasing and you can't finish it. Instead of this, it is better to pay in one lump sum and take your time, but this will happen.
Second, negotiate the installment repayment order, first negotiate with the bank, because the bank has a regulatory agency, so it is easy to negotiate. For some online lending institutions, it is difficult to explode the address book, which is light, and the bank will communicate with the light, find the heavy, and solve its debts bit by bit. As long as you work hard and move bricks, there will always be a day. .....
Third, cancel the credit card after repayment, don't spend in advance, get rid of the habit of spending in advance, and be a good citizen who spends reasonably. ...
I'm Yan Wenjie. I hope my answer can help you.