I'm sorry to receive the audit notice SMS after the deadline.

First, yes! If it is overdue for two months in a row, it will tell you that it is in breach of contract, and the previous installment agreement will automatically become invalid. You need to pay in full!

I shivered when I received the text message. Oh, my god, is it going to explode the address book next? I get nervous when I hold a mobile phone! But, that's not true! Share with you my handling process:

From the beginning, it is the lowest every month, and then it is recycled. After a long time, I can't get in directly, and I can't get out. This is also the first step for me to start thinking about how to go ashore, because the monthly interest in these years is several hundred. Calculate these years, the principal is not less, even the credit card is the same. Where did the monthly income go? There is a bottomless pit behind more and more, so if you are in debt, when you see me, you are one step closer to the shore! Don't worry, I don't charge any fees, because I am a debtor myself, and it is purely experience sharing!

Let's talk about Alipay, which owes a total of 3.5W principal. It should be 4W now, which is overdue for half a year. First it was a text message, then it was a phone call. I don't know how the phone number was collected, so I chose the attribution of the number or the landline phone!

The voice is very nice and gentle. Why don't you pay back the money? Then I will tell her my current situation. There is one thing that must be noted here. She will ask you, where did all these expenses go? I told her how to use it, and then she said, do you know that this money can't be used for investment and repayment? The country is not allowed to repay the loan by loan! Be sure to pay attention to the other party's recording, which is to guide you in her direction (this is summarized after I answered the phone, because several collectors are developing in the direction of supporting loans from different aspects, which is very unfavorable for your later repayment, even if you go to court, it will become evidence)! The first call lasted for almost half an hour, repeatedly stressing the difficulties now, rather than not returning!

As a result, the next day or even every day after that, she called you, and after I indirectly answered a few, I stopped answering! Because I have to work, answering the phone really affects my mood, so I just don't answer it!

Later, I learned something, that is, we can negotiate, and I also think it can relieve the pressure and avoid letting them harass our home! I'm in trouble. I'm back. I'm innocent. I don't want to!

But considering the cost of finding someone to handle it and my salary is relatively high, I gave up the idea of finding someone to handle it. I wanted to negotiate by myself, but I didn't know how to start, so I looked up a lot of things and then negotiated with my credit card first. I never thought it was a success. I negotiated with three banks myself, and the result was better than looking for someone outside, which was particularly smooth! I'm beating my chest. Not knowing enough is really a waste of money!

Finally, I didn't call. I chose to borrow the entrance of Bai Hua, where there were deferred repayment negotiations, so I uploaded the information at hand and waited. Someone called me that afternoon, and I didn't know the sound. I guess I just started to practice my hands! I told her about my situation again, gave me an extension plan, paid back the overdue principal, and then continued to pay back the rest in the original installment, giving me time to think about it! I haven't made a phone call since then!

I got a temporary quiet, because the debt must be paid back, thanks to the bank and Alipay for giving me time! Now, I will make regular monthly payments to make a living, and then earn some extra money in my spare time to supplement it! Life finally has the motivation to move forward!

Alas, the amount suddenly decreased, and Qika lost her wet nurse ... Never use loans to support loans. In fact, interest is not the most terrible. The most terrible thing is that H suddenly one day these online lending platforms will sanction you, refuse to lend you, and only pay you back. Their reason is that they have detected that your debt is too high, and even if you are not overdue, you will not be allowed to borrow it. [Sleepy] I just used a loan to raise more than 200,000 yuan. Suddenly, I was sanctioned and people were stupid ... hey! Take your time. Fortunately, all the large sums have been settled. Guangfa's 50 thousand was divided into 60 installments, and Alipay, which was more than 800 yuan a month, was postponed for two years.

It was almost a year overdue before it was received! At first, I called when it was overdue and said I wanted to deal with it, but there were too many debts to deal with. After all, the flowers and loans in Alipay add up to almost 20,000 yuan, and there is really no way out.

First, it can be divided into stages, followed by telephone collection, and finally, all stages can be stopped at one time.

After receiving the text message, I have no choice but to put it away, but the penalty interest of Alipay is really high, which is higher than that of the bank. But in the case that I can't handle it, I have no choice but to guarantee to return the credit card first.

Well, again, don't waste money. At the beginning, these financial institutions came in step by step with concessions, and they also blamed themselves for their weak will. Otherwise, they wouldn't have the pain of paying back money every day today. I don't know if Alipay is good at negotiation. Without money, the negotiation is just empty talk. Now we can only make money first, and then negotiate once we have money.

some

At present, it is not overdue and will be returned in advance every month.