How to negotiate repayment of JD.COM gold bars?

How to negotiate deferred repayment of JD.COM gold bars? How long will JD.COM gold bars be sued for overdue? Will they really come to the door?

JD.COM gold bars can negotiate to postpone repayment. However, it should be noted that the repayment time of JD.COM gold bars is fixed and cannot be changed without special circumstances. Under special circumstances, such as epidemic, disease, unemployment and other practical reasons, borrowers who are unable to repay can contact JD.COM Gold Bar customer service to show their willingness to repay and negotiate the practical reasons for their inability to repay.

Strictly speaking, as long as the borrower's gold bars are overdue, the gold bar platform has the right to sue the borrower immediately. However, in reality, the borrower's gold bar bill is overdue, and the gold bar platform will not immediately sue the borrower. Therefore, prosecution requires a lot of time and manpower, and even the gold bar platform needs to bear the prosecution fee.

According to the actual feedback of most users, after the borrower's gold bars are overdue, the gold bar platform will have special collection personnel to collect them. One month before the deadline, collect by telephone, SMS, etc. If it is overdue for more than 3 months, gold bar collectors are likely to choose to negotiate repayment at home.

If the borrower owes a large amount of gold bar bill and the principal exceeds 1 000 yuan, the gold bar platform is likely to choose to sue the borrower after the bill is overdue for 3 months. Regardless of the collection method, the original intention of the gold bar platform is to recover the arrears. As long as the borrower clearly expresses his willingness to repay the loan, there is a high probability that he will not be prosecuted.

Will it really come to the door?

If the borrower's gold bar bill is overdue for more than 3 months, it is very likely that the collector will choose to come to the door in order to urge the arrears. However, according to the law, when collectors come to collect money, they need to bring third-party personnel as witnesses, and they cannot collect money by threats, intimidation, harassment and other means.

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