Guangfa Bank negotiated by telephone to repay the principal, and paid 30% in advance. Is it credible?

Who believes who is retarded. Our financial institution is under strong supervision, so he can't do anything. Everything should leave evidence, and the regulatory verification will be ready in the future. So in the case of online loans and credit cards, what are the words of financial institutions true? What words are false?

First of all, we must remember that if financial institutions really negotiate and discuss the plan, it will definitely be a relatively certain plan, and it will definitely not be to let borrowers pay back part of it first, and then discuss it according to their attitude or results. This specious statement and practice violates the relevant regulatory provisions to a certain extent. Because it is suspected of cheating financial consumers or cheating financial consumers.

If the credit card is overdue, if the bank agrees to the grace period, then the bank will actually give an accurate opinion. So is loans overdue. There will never be 30% payment and 70% negotiation, just like those repayment methods in society. On the other hand, unless the borrower asks for consultation, the bank will never take the initiative to call to negotiate repayment of the principal.

Why is this happening? Because banks actually have an important magic weapon for borrowers. Finally, in addition to litigation, banks can also enter the debtor's overdue information into the central bank for credit investigation. Generally speaking, as long as there is a record of "overdue repayment" in the borrower's credit report of the central bank, then other financial institutions will find the credit report from the borrower's loan. When they see this, they will never lend. Because this shows that the borrower's willingness to repay is not strong, who dares to continue to lend to the borrower?

So whose phone is this borrower receiving now? In fact, it is a third-party collection agency entrusted by the bank. Their relationship with the bank is entrusted and entrusted. Third-party collection agencies all derive their income from collection. So for them, the destruction of 10% can also be divided into money, and the destruction of 100% can also be divided into money. Then it is natural to pretend to be a formal staff member inside the bank in various ways. If they can get 30% back, their goal of step 1 will be achieved.

Then what if the borrower finds that the remaining 70% is still unable to negotiate the principal after paying 30%, and still wants to pay the remaining principal and interest, and feels cheated? In fact, there is no way to fight back, because the money has been given to the other party at this time, and the arrears are overdue, so there are not many ways to fight back everywhere.

So what should the borrower do when he receives such a call? Ask the other party to give his work number and name in the bank and his bank phone number, and then call to check. I didn't call the third-party collection company, and even if I did, it wasn't the number that the bank official website could find. Generally speaking, the numbers left by the bank for customers are the switchboard number and extension number in official website, but the collection company does not.

Now you understand, you can watch more of my videos and articles, and all the routines can be broken.

Don't believe it. Wait for the court to negotiate.

I have said many times before, don't trust anyone who pays 30% in advance, repays in installments, or pays part of it first. It is the routine of the collection staff.

I am a positive energy advocate, mainly to teach you how to reduce more losses and avoid falling into the trap of collectors.

I used to have a credit card of Guangfa Bank, which was cancelled because it had been paid off.

Let me talk about the process of being coaxed by the collection staff, as you described.

My Guangfa credit card was applied on my mobile phone. I applied for Guangfa Taobao Card, and the amount I got was only 3000 yuan, which is a relatively small card for me. I didn't plan to activate it at that time, but later I wanted to raise another one.

Guangfa Credit Card does not need manual face-to-face signing from application to activation. After getting the card, you can activate it directly on your mobile phone. When I applied, it was 20 16. I don't know if I want an interview now. I don't know.

After I got the card, I refrigerated it for almost three months. Until one day, the bank staff of this card asked me. Why haven't you used this card? Do you think the quota is too low? They said they could increase the quota, and he told me that the quota of Guangfa Bank could be increased by 100~ 150%. But I thought, let's raise it, and later it was raised to 6000 yuan. During the three months from opening the card to 6000 yuan, I never used it once, so this credit card is the fastest one for me.

It is precisely because of the rapid increase in its quota that I decided to use this credit card as my main credit card. I usually use it when I go out to spend money.

In less than a year, this credit card has risen to more than 30 thousand, but the amount inside has been used almost. Later, the bank gave me a 50,000-limit financial fund for me to use. I was already a little short of money at that time, so consider it a timely help. Later, I applied.

Later, due to some changes at home, the place where money was used was very large and the funds could not be put in, so my credit card and online loan were overdue. A few months ago, I was able to repay the loan with a loan and raise the card with a card, but after a long time, my monthly salary was not enough to pay interest, and my life was difficult. Later, I had no choice but to throw away the chicken and stay handsome. Credit card online loans are overdue and have not been paid back. Save your strength and wait for the full repayment one day.

Just after I was overdue, less than a day later, the credit card of Guangfa Bank called to ask me why I didn't repay in time. I have been muddling along from the beginning, because I know that my money is not enough, and even if I pay it back, I still have to earn a lot of interest every month.

Later, I wanted to earn enough capital to negotiate repayment, but in the process, there were constant calls from the collection staff, so I had to stop. I have been using the mobile phone number, but it has been stopped for a long time. Finally, I turned myself over and went back to a small notebook.

I find it a little difficult to say. Even if there is a phone call to me, I dare to answer it. These collectors are really pervasive. After using my calling card for almost a year, I don't know where he got my information, so he started calling me again. At first, because of his bad attitude, I took a phone call. Then I hung up directly.

Finally, he sent a short message. He told me that he was from the credit card center and came to negotiate repayment. This is the final negotiation.

I called him when I saw this, and I asked him how to negotiate, because I often saw on the Internet that negotiations only paid the principal, so I wanted to try.

The staff interviewed me briefly and asked me about my work and repayment ability. Later, he told me that because I was in trouble, he specially applied to the bank. In order to alleviate my difficulties, he helped me to apply for a one-year installment repayment, which can relieve my pressure. The principal only needs to be repaid in 12.

Hearing this, I really want to hang up and ask him to come back. I said I don't hang up now, and my money has been parked there. If I want to pay you back like this, why should I call you? After thinking about it, I didn't say anything, so I told him that I wanted to lower the interest rate, which was not what I wanted. I said I just wanted to pay back the principal.

The staff of the third party said it was impossible, and the bank couldn't give you any money, because it was the bank's money and he couldn't distribute it. He said he could help you apply for installment repayment, and later I said if I knew you were like this. I'm too lazy to call. I have to hang up.

About the next day, he called again, saying that he had applied to the application bank for relief, and asked me to answer the phone quickly.

After thinking about it, I took it. I didn't expect what he would do here either, and then the third-party staff told me. He communicated with the bank yesterday, and then applied for a reduction, but at least 30% of the principal should be repaid in installments. I felt great after listening to it, and that's what I wanted.

Later, I paid back 30% according to his way. After the repayment, he said that as long as it is paid on a fixed day at the end of each month, the interest need not be paid back, and the principal will do.

Who knows that I was framed by them, and less than the third day of repayment, the collector called me again, but it was not that person, because my phone number was only known by this collector. So I saw a phone call, and I had to answer it. After receiving this call, my heart is cold.

He called me and asked me when I could pay off the money I owed my credit card. I asked him which credit card, and he asked me directly which credit card. Don't you know that you owe yourself money? I said I owed too much, and I didn't know which one. Later he told me about Guangfa.

I told him, I said, didn't I negotiate with the bank about the staging? Later, she said that she didn't say installment payment, only that you were willing to repay, so she reserved the right to sue you for the time being, but now we are going to sue you, so we come to negotiate with you now, hoping that you can pay off the arrears. He will sue you if you don't pay back the money.

I almost died that day. I found myself caught in the routine of these collectors, with severe psychological and muscle pain. And after I paid back 30% of the money, I didn't even reduce the principal, only the interest.

Since then, I have never received a phone call from the collection staff. It has been almost two years now, but it has been delayed for almost four years. I decided to negotiate with the bank again to pay off the money.

Because it has been hanging here, although the interest has not risen, it is not good for yourself. I took the initiative to call the customer service of the bank and told them that I wanted to pay back the money, but I needed to negotiate how to reduce it. Later, the customer service staff called the collection department and he said that my information had been recorded. At that time, the collection department will call me to pay attention to answering.

Later, about an hour later, a man who claimed to be the collection department came. He said that my case was transferred to a law firm and asked me to contact directly. After many contacts, I finally reached an agreement with the law firm and signed a contract with them. I only need to pay back the principal, and I can cancel my credit card.

Conclusion: With this experience, I would like to share it with you. What these collectors say is basically unbelievable, saying that only the principal is repaid, or 30% is given priority, and there is interest reduction. Do it in person, don't listen to his bluff on the internet, because he wants you to pay back the money to achieve his goal. He can say anything and make any promises for you, but what he really realizes is empty.

Let me talk to you about negotiating repayment.

1, credit card overdue 1-90 days.

2. If it is three days overdue, you call the bank to negotiate repayment. It is impossible to negotiate with you, because there is no policy, or you can't reach the number of issues you need.

I will call you halfway and give you various repayment plans, but most of them are routine. As long as it is at the lowest level, it will be difficult to negotiate in the future.

4. Generally, it takes about 90 days to negotiate successfully, or the local letters and calls bureau can complain after CBRC 12378.

After reaching an agreement, we will confirm with you the matters needing attention and the impact on you.

6. If the negotiation after the complaint is successful, there will be a letter return.

7. In the process of negotiation, you must make good use of the rights given to you by law, and you are not allowed to collect, harass or explode the address book. These are illegal. As long as you remind them of regular banks, they will hardly.

It's better to reach an agreement. Now the integrity of banks is not very good. Don't deduct a lot of interest when the principal is paid off.