No matter what Pratt & Whitney, HP, as long as it is an online loan company, it is generally rare. It doesn't matter what you do, either you pay off the debt or you are ready to be collected. Paying off debts is a matter of course. If there is no problem with your debt and it is not a contract signed by fraud and coercion, pay it off in time and don't touch any online loans in the future.
There are few online loans, and there are even fewer door-to-door collections. What you should be wary of is illegal telecommunication collection methods, which have exploded the address book.
Let's talk about the problem of different places first. -For example, if your household registration is in Wenling and people live in Hangzhou for a long time, you have to be in one of these two places; If that company is in the north, Guangzhou and Shenzhen, it has no jurisdiction. However, if there is an agreement in your loan contract, once it happens, you can go to a different place according to the contract.
Generally speaking, however, creditors will not really go because the cost is relatively high. If there is no agreement on jurisdiction in the contract, you will basically not go over Qianshan to the place where you have your domicile or permanent residence to file a lawsuit with jurisdiction. Even if there is a lawyer, there will be many trips to the lawsuit, and the cost of time and energy in different places is also high.
And objectively, most of these loan companies outsource the collection work to specialized collection companies. What you really need to guard against is not some remote place or door-to-door collection, but their collection methods such as bursting the address book.
If the creditor sends you a message saying that it is saved, it is basically false. Such as third-party telecom collection, telephone calls, etc. There is no good way; But if the other party comes to collect money, you can call the police directly. As for the trial in different places, as mentioned above, it depends on whether there is an agreement in the contract. aquiteamo .
Ping An Bank's credit card is overdue for 3 years. How to negotiate repayment with the bank is more appropriate?
If you apply for loans overdue in Ping An Bank, but there is no money to repay it, so that you can't pay off the arrears for a while, you are advised to contact the staff of Ping An Bank for consultation first to see if you can reduce part of the interest or repay the principal first, and apply for an extension of the repayment period and repayment by installments.
If Ping An Bank allows it, the repayment pressure of customers will be relieved in a short time. After that, we can discuss a new repayment plan with Ping An Bank, and then repay on time according to the new repayment plan.
Of course, Ping An Bank will not agree easily, so customers must provide strong evidence when negotiating, indicating that they did not do it intentionally when they were overdue, but that they were unable to repay in the near future. For example, if you are unemployed at home, you can provide an unemployment certificate; If you are hospitalized due to illness or accident, you can provide hospitalization documents and related medical documents. When negotiating, we should also pay attention to expressing the willingness to repay actively.
If Ping An Bank still refuses to postpone repayment, customers can try to borrow money from relatives and friends, pay off the loan first, and then return the money to relatives and friends when the funds are sufficient. Remember not to support loans with loans, make a reasonable repayment plan, and never evade debts or other illegal and criminal things.
Overdue consequences
1. First of all, the loan will not generate bad credit records, which will affect other credit businesses in the future. Bad credit record is the loss of intangible assets.
2. Lending institutions will charge overdue penalty interest and liquidated damages. The longer the overdue time, the more money you need to pay. Generally, the penalty interest is between 1% and 3%, and the penalty interest will rise by 30% to 50% on the loan interest rate according to relevant regulations.
3. If the overdue period is long and the amount is large, loans can also be made by lending institutions. Those who still fail to repay the loan after the judgment will be included in the "list of people who have lost their trust" and cannot take high-speed trains or planes.
What should I do if I owe Ping An a loan for 2 years?
This situation is likely to be influenced by Ping An Bank. Therefore, users should contact the bank in time, take the initiative to pay off the principal and overdue interest, and let the bank be lenient. If you stay for a long time, it will have a great impact on personal credit and life.
It is a serious overdue behavior to owe Ping An a loan for two years, which can even be characterized as finance. First of all, it has a great impact on users' personal credit. Secondly, Ping An Bank has made several collections in the past two years. Finally, there is the problem. If the unpaid amount is huge, it will be sued by Ping An Bank, although this is only a simple civil lawsuit. However, it may also rise to lending to banks or other financial institutions for the purpose of illegal possession, and will bear criminal responsibility.
Solution to excessive repayment pressure: 1, discuss with the bank. In the process of repayment, if the borrower feels that the repayment pressure is too great, he can negotiate with the bank first. See if we can extend the loan term. 2. Find ways to make money or borrow money to repay temporarily. There is no shortcut to repayment pressure. In order to avoid default, borrowers need to work hard to make money or borrow money temporarily to repay.
This is the end of the introduction about how to default on Ping An loan for three years and how to do it for three years. I wonder if you found the information you need from it?