The flowers have expired, and we have had consultation and communication, and the collection attitude is not good. Can you answer the phone in the back?

You still have to take it, but if you judge that it is still overdue, you can hang up directly, because after you are overdue, you will be handled by different departments according to the severity of overdue time. Just like online loans, overdue loans are collection departments. Their purpose is just to force you to pay back the money. If you pay them back, they will have achievements, so it is normal to have a bad attitude, and it is useless for you to negotiate with them. They are not in charge of negotiations.

When this link goes through the negotiation department, it makes sense for you to negotiate. They also have certain negotiating authority. To put it bluntly, when the online loan company saw it, your credit information was also affected, and the phone bombed you. If it hasn't been returned, it is estimated that there is really no money. At this time, they will give you the idea of reducing interest.

Spending money and borrowing money was overdue for two months, and the phone was never answered, and all of them were automatically intercepted by the mobile phone housekeeper. Because there are too many overdue platforms, I don't know which phone call is from them. Yesterday, she texted me that the installment had been cancelled and asked for full repayment. It doesn't matter. Anyway, I am tired of answering the phone because I have no money, and there is nothing to negotiate with the collection. If I want to negotiate, I will also negotiate with Alipay platform. Their collection will only force you to pay back the money. Anyway, I didn't pick it all up and left a quiet place.

All the people who called you were the collection staff. If you have practical difficulties, you are advised to call customer service at extension 95 188. Deferred repayment, I hope it will help you.

My friend told me that Alipay will only add icing on the cake, and it will never be a timely help.

Why?

A friend opened a Taobao shop, starting at 20 1 1. In those years, business was good and I made a little money.

Business has started, inventory has increased, and more than half of the money earned is in goods. But with running water, it's not a big problem.

After 20 14, Ma Yun asked Zhang Yong to take over. This finance is not simple. By introducing thousands of people, businesses can save money everywhere. Without money, there is no traffic. No traffic, no orders.

What should we do?

If you spend money, you can't bear to let the children set up wolves. If you can't bear to spend money, there will be no business in the store.

Business is starting to be bad, and commodity ranking is a matter of life and death. Only if there are buyers in the front row can you place an order.

Don't look at the click of the through train, it's money. And this money can't be low, and it can't stand high. For example, if the top ten people bid 1.5, you may miss it if you bid 1.4, and only if the bid is higher than 1.5 will you have a chance.

It's scary to think about it. If the buyer orders at will, it will be ten times, a hundred times and a thousand times.

Taobao is getting more and more tired and spends more money. At this point, online business loans "jumped out."

Of course, Taobao people want to use online loans, and Alipay calls him to sell loans and tell him that the amount is getting higher and higher.

One step difference, eternal regret, is a friend's "regret"!

Anyone who does finance is particularly smart and likes to use the most attractive "words and figures". All they give you is "spend 0 a day 1000 yuan." * * yuan of interest ".

Cheap, right? It's only a few cents, 10 thousand dollars is just a few dollars, and hundreds of thousands is just a pack of cigarettes.

Not cheap!

Is the loan only for one day? After a year, the interest will be terrible.

My friend used the money earned by Taobao to pay the interest on online business loans, much like "left hand moving right hand", which all went into Ma Yun's pocket.

What if the online merchant loan amount is not enough? Alipay came to help and jumped out.

As a result, online merchants borrowed money, borrowed money, spent money, and paid Alipay three donkey kong loans, which made friends "deep as the sea when they entered the waiting door" and fell in.

The most terrible thing happened. In the Spring Festival of 2020, disaster came, the village was closed, the road was closed, and everything was closed.

Everyone who does Taobao knows that as long as the logistics is not smooth, the express delivery will not work, and the express delivery will not be able to operate without moving the store.

However, Alipay's loan is still paid regularly every month, and there is no room for default for one day.

The most exasperating thing is that he still went in, but the quota was gone. He can only borrow it. It's really immoral. In the most difficult time, he took a loan, euphemistically called: risk control.

Friends think that YQ can end in 2020, the darkness will always pass, and the light is ahead.

202 1, in 2022, in the year of the tiger, "Daji" began in spring, and thousands of express outlets across the country controlled Taobao's business.

Looking at the full inventory, and then looking at Alipay's loan, my friend is "awake".

Before the deadline, he called Alipay customer service and told him about the difficulties, hoping to get help.

To his dismay, Ant Financial, who once called to promote the "Taobao online merchant loan", told him that it could be postponed for one month, but nothing else.

God, what's the use of asking you to postpone it for a month?

During the ordeal, a friend of a friend told him that Alipay would not "help" you before the deadline, and people were waiting for you to default.

What? Did you hear me right?

Know what profit maximization means. If it is overdue, it will pay a penalty interest ... far more than interest.

What if it hasn't come out yet?

There is a third party to collect "teach" you how to do it, such as bursting the address book, sending a lawyer's letter, and coming to the door ... there is nothing they can't do. I also used credit letters to intimidate you and make you afraid.

Now my friends have a bad attitude towards collecting.

Stay away from AliPay, it is not a gift in time.

If you really want to negotiate, it doesn't matter whether you answer the phone or not.

Don't negotiate with trav. Alipay did not give them the right to extend the time of overdue customers.

You have to negotiate with customer service. Negotiating with Xiao Cui is just a waste of your time. They always try every means to get you to pay back the money.

But you are obviously not up yet, and it will take some time to accumulate. But they won't give you this time. It's a little out of touch with you for them.

Fortunately, Alipay has just expired, so there won't be too many small reminders. Generally speaking, it happens once every two or three days. However, some people receive the same frequency of calls as other online lending platforms after the deadline.

If you want to negotiate, you must understand the relevant policies of the platform. For example, Alipay, after the deadline, there will be no second installment policy. You can only apply for deferred repayment. Borrowing flowers can be postponed for 1-2 years, and online merchants can postpone it for 1-5 years.

To handle this business, you must find customer service. Because, you need to get the entrance to upload the certificate from the customer service, which can only be given by the customer service.

If you can't get this entrance, it is impossible to handle the extended business.

In addition, the overdue bill is only a few thousand or ten thousand yuan, so don't think about postponing it. The policy has been revised many times, and the bill is too low and can only be postponed for three months.

You can answer the phone every once in a while, or take the initiative to contact the customer service to explain the situation, discuss with the customer service the installment plan or postpone the repayment, and ask them to stop collecting calls or reduce the frequency of collection. The above situation should be done if you can support your family and have the ability to repay. If you don't have the ability for the time being, call the customer service to make it clear, negotiate to postpone the repayment, and then try to make money to repay.

The phone, you have to answer it.

The flowers are overdue and will be paid off in two months. One * * * is short of 1600. Because of my limited ability, something happened at home, and I really can't afford to repay them. In addition, the flower garden shows that there is an installment bill, but the customer service said that because I didn't pay it back for a month, it was taken back after the deadline and I asked to pay it off in one lump sum.

Call me to remind me that I hardly answer it. He also threatened to send all kinds of text messages, then refused to send them, was sued, imprisoned, fined tens of thousands, and threatened to go to the place where he registered. I asked the customer service in Bai Hua, and Bai Hua said they didn't send it.

This damn collection is to watch me pay back the money every month, and then urge me, threaten me and let me pay him back at one time. All means have been used, whether it is illegal or not.

Later, I told him that I would pay it back according to the bill, and negotiated with Bai Hua customer service to let me pay it back in installments. If you threaten me again, I'll take screenshots to leave evidence, and then it's over.

When the first month was overdue, it was a woman's collection. That guy's tone and attitude seem to be that I owe her money for killing her family. He appeared screaming like a mad dog, so I stopped answering the phone later.

After the recent negotiation, you can pay back the money, otherwise it is meaningless! You said yes, but without eleven thousand, the other party was even more angry. You still answer the phone, and you are not in the mood to eat, sleep and work for several days!

Don't be childish, it's you who suffer. Let's talk it over.