How to contact Bai Hua to negotiate repayment?

How to negotiate deferred repayment when the flowers are overdue?

1. Call Alipay customer service hotline 95 188. First, explain to the artificial customer service the reason for spending money in loans overdue, which means that you have no malice. At the same time, inform the customer service of their financial situation, indicating that they are really unable to repay the arrears and loans of Hua Bai, and pay attention to sincerity when communicating.

2. After the user submits the agreement repayment application, the customer service will register, and then the staff of the post-loan department will call the user. If it is a private number, please ignore it. It must be the phone number of 95 188 customer service hotline before Alipay intends to negotiate with users.

3. Users can submit their own requests, such as installment and extension, when negotiating with the post-loan management specialist. After that, the customer service will open a window to upload proof materials on Alipay, and the window will prompt "Customer service calls you to submit proof". At this time, users need to submit their own relevant certification materials, such as poverty certificate, medical certificate, unemployment certificate, credit report, etc. After the user submits the proof materials, the customer service will verify it as soon as possible, and the information will be kept strictly confidential.

4. After the customer service completes the audit, the user will receive a phone call from 95 188, and then the customer service will inform the user of his work number and the plan to postpone the repayment. After users know the scheme, they will have 15-30 days to consider it. If you are not satisfied with the plan, you can call the customer service hotline again and continue to negotiate the repayment plan with the customer service.

5. The user agrees to negotiate the repayment plan, and the customer service will inform the user of the matters needing attention in the plan. At the same time, during the repayment period, the collection will be stopped, but the overdue interest will be charged normally. Users can apply for fee reduction and exemption after the loan expires. As for the reduction, I'm not sure.

Who should I consult and spend?

Hello, regarding Bai Hua's repayment, customers can take the initiative to contact the official customer service of Alipay Bai Hua for negotiation. Although you can't apply for full interest-free, you can try to apply for an extension of the repayment period and repayment by installments. You only need to explain to the official customer service that you are unable to repay, and provide certain proof materials, then express your sincere repayment ideas, and finally apply for an extension. In fact, Bai Hua itself also provides deferred repayment service.

1. Alipay has the following advantages: it can provide buyers with a simple, safe and convenient purchase and payment process, minimize the losses of buyers, and improve the considerable transaction payment conversion rate. At the same time, Alipay has won the recognition of banks, international institutions and partners with its steady style, advanced technology and keen market insight. Major domestic banks (ICBC, Agricultural Bank of China, China Construction Bank, China Merchants Bank, Shanghai Pudong Development Bank), China Post, VISA International and other major institutions have established solid strategic cooperative relations with Alipay in the field of electronic payment, making Alipay the most trustworthy partner in the field of electronic payment.

2. If Bai Hua needs to postpone repayment, you can find the bill to be repaid on the mobile phone page of Alipay, select the repayment method, find the deferred repayment method on the repayment page, and postpone the application for deferred repayment. After the information is confirmed by the system, the deferred amount is included in the minimum repayment amount of the next bill, and the customer can repay on time before the repayment date of next month (inclusive) (the deferred amount cannot be postponed). It should be noted that Bai Hua's deferred repayment must be automatically deducted from the monthly account until the repayment date. If the current Bai Hua bill is overdue, deferred repayment cannot be used.

3. In addition, only the overdue fee, minimum repayment cycle interest, installment fee, deferred repayment fee, deferred repayment principal and installment principal in the bill can be postponed (the actual deferred repayment amount is subject to the page display, and the deferred repayment amount is between 100-5000). To sum up, there are many repayment methods for flower buds, and users can choose according to their own economic situation. It should be noted that in addition to timely repayment, other installment repayment, deferred repayment and overdue repayment all need to pay extra interest fees.

How to communicate and negotiate repayment with customer service after the loan term expires

Negotiate deferred repayment conditions:

1, it must be overdue.

2. No payment instruction has been applied.

Phase I preparation

1. Know your bill clearly, including the principal and how much you owe now.

2. It is difficult to collect evidence of Alipay's collection for you.

It is difficult to collect evidence.

3. Think about three questions:

A, what is the reason for your overdue, why can't you pay it back, what is the reason for the debt, and can provide proof.

For example, if you fail to start a business and have high debts, you can provide a business license and proof of current income.

For example, if you are unemployed, affected by the epidemic, and now your income is relatively low, you can provide proof of unemployment and proof of work;

B. What is the current total debt (credit)?

C.what's your current income? You are confident to solve it in 2-3 years.

Negotiation communication method

The general principle is to call Alipay's official number 95 188 (online business loan: 95 188-3) to let the other party know that Alipay's collection has brought you trouble, and at the same time let Alipay know that you can't settle the repayment temporarily.

But with a steady income, I have the ability to give you a one-time settlement after an extension. Pay attention to details in the communication process. Every communication should be recorded, pay attention to each other's feedback and stick to my wishes.

1, contact the Alipay official, 95 188(_ online business loan: 95 188-3).

2. Communicate with customer service

A, let the customer service know that you have to feedback the overdue problem of Alipay after the connection.

B, first complain that the collection of Alipay has caused troubles to your work and life.

Note: Normal collection (or not excessive collection) should not be strong, but the violent collection behavior of the other party, such as threatening family members, is strong (be careful not to bring emotions into the negotiation extension).

C. Inform the other party of the reason why Alipay spends money in loans overdue. What caused the current debt? At present, the income from work can't be repaid in one lump sum for the time being, and it's useless for Alipay to urge it again.

Note: be true, but also optimize. For example, caused by loans, let's not talk about it. Just pack it a little. You should have thought about it at the first step of preparation.

When asking about liabilities, you should consider your income and total liabilities, so that the other party can feel that you still have a surplus at present, and you can deal with it at one time after 2-3 years.

A. Claim for compensation from Alipay, and hope to postpone the one-time payment after 1-3 years!

B. Wait for feedback from the post-loan personnel of the other party. If you don't give feedback or don't give feedback for too long, it proves that there is something wrong with your communication with Alipay. Listen to the tape after you come back, rearrange your speech and continue to give feedback.

3. Matters needing attention in communication

First, the preparatory work must be done well.

B, the communication process is full of questions, so the dialogue is smooth and I won't ask you too much.

C, don't be inconsistent in your own affairs, you must be firm.

Third, the negotiations were successful.

1. After Alipay agrees to postpone repayment negotiation, you should ask how much interest can be reduced and settled after maturity. At this time, the customer service will not say that it can be reduced for you. This is their request, but you must emphasize that after 1-3 years, you can save enough money for your current bill.

2. After reunification, Alipay will generally ask you to submit materials. Just submit the documents prepared before according to the method. If you can't produce some proofs, such as poverty proof, try to explain the reasons to Alipay and replace them with other proofs that can prove your current difficulties, such as credit+income proof.

3. After both parties reach an agreement through consultation, you will generally be informed of the negotiation results by SMS or email.