The negotiation process can be recorded, and most of the lenders' demands are only for repaying legitimate interest, so as to provide evidence in case of disputes in the future; After all, it is negotiation. Watch your attitude. It would be much better to have a better attitude when negotiating. Show the willingness to repay, and put forward the installment requirements of reasonable and legal interest according to your own situation and the amount owed, instead of making trouble without reason.
Do not evade arrears, do not evade collection, and do not lose contact. Keep in touch with the platform and safeguard your rights and interests through legal proceedings when necessary. After all, the extra interest is not protected by law, and it is not necessary to pay it back. The final punishment of the court will also be on the borrower's side. After all, platforms are illegal.