Loans overdue, can Tik Tok negotiate repayment?
Repayment can be negotiated. In case of force majeure, or if the Tik Tok assured loan applicant really has no repayment ability, he can take the initiative to get in touch with the customer service staff of the platform and negotiate with them about repayment. In the process of negotiation, it is best for users to provide proof of inability to repay, otherwise it is not easy to negotiate repayment.
The specific steps are as follows:
1. Make repayment plan.
Negotiation repayment is not a routine business, and the result of hasty application will often be rejected by the platform, but a reasonable and feasible repayment plan. Therefore, before consulting with the platform, users should make a feasible repayment plan according to their own liabilities and the expected monthly income and expenditure in the future.
Step 2 Prepare supporting materials
As the saying goes, as a formal financial institution, the platform often takes objective facts as evidence when accepting business. Therefore, users can prepare relevant materials in advance according to their own difficulties. Common proof materials include: unemployment certificate, disease certificate, subsistence allowance certificate, overdue screenshots of online loans, etc. It should be noted that the certificate must be truthfully issued. If fraud is found, the negotiation opportunity will be lost.
3. Actively contact the platform
You can call the platform service hotline, show your difficulties and repayment plan to the customer service staff, and ask for repayment through negotiation.
4. Waiting for platform approval
After the customer service registration, the post-loan specialist will call back to the user within the specified time to conduct formal consultations with the user. Then verify the information provided by the user, examine and approve the previous repayment records and the current basic situation of the user, and finally notify the user of the examination and approval results by telephone, SMS and other means.
5. Sign the repayment agreement
If approved, the platform will re-sign the repayment agreement with the user in the form of telephone recording, electronic agreement and paper agreement. After the agreement is signed, it means that the negotiation is successful and the user can repay the loan according to the new scheme. It should be noted that after successful negotiation, if overdue occurs again, the previous repayment agreement will be invalid, the user will be called again and may be sued by the platform.