Can Doudou money negotiate to postpone repayment?

1. Actively negotiate and take the initiative to repay.

Don't wait for the overdue online loan call to come before you want to negotiate. Before the deadline, you can contact customer service to negotiate repayment, give a grace period or directly reduce interest. If customer service disagrees, you can call several times.

2, insiders, sincere attitude

When communicating with the collection staff, you need to be sincere. Don't just say you have no money. They are tired of hearing this. After you can tell the difficulties, express your good willingness to repay, list your repayment plan, and show that you have work income and are trying to raise money.

3. Be reasonable and keep the evidence.

If there are irregular behaviors such as membership fees and audit fees, or there is a phenomenon of violent collection, you can keep relevant evidence, understand certain legal knowledge to negotiate, pay due attention to your own words, and don't use language violence.

With the above three negotiation skills, we should also pay attention to the following points:

1. You have to receive the call. You know, running away is not the way. Harassing contacts without answering the phone. Maintaining telephone contact is conducive to negotiations.

Don't panic if the address book is exploded. You can send a circle of friends to show that your identity information has been leaked. Ignore it.

3. If there are illegal collections, such as fake lawyer's letters, subpoenas, arrest warrants, etc. The other party's crime will be very serious and you can call the police or complain.

4. If someone contacts you for a fake collection, you can only repay the principal and let you transfer it privately. Don't believe it. Whatever the outcome of the negotiation, don't transfer it without permission.

Collection process:

1, early overdue

At the beginning of overdue, the online lending platform may just bomb borrowers by phone, and some even don't bomb them, because after all, it is business, and I still hope that everyone can repay in time.

2. Mid-overdue period

However, after collecting the borrower himself for a period of time, it is found that the borrower fails to repay the loan on time and has the intention of evading repayment, and the platform may collect the borrower's relatives and friends. The basic means is phone+SMS.

3. Middle and late stage

When the previous collection methods are ineffective, the platform will be handed over to the outsourcing responsible for collection, which is the most uncomfortable stage in the whole collection process. In addition to harassing borrowers and their family and friends through 24-hour telephone calls, they also maliciously made pictures of borrowers, spread news that damaged the reputation of borrowers, and forced borrowers to come forward to solve them.

4. Overdue delivery

When your friends are psychologically strong enough to survive the first three items, then the last thing you may need to face is to close the door or go through normal legal procedures. Especially in legal procedures, even if there is an improper collection method on the platform, the refunded money will still be refunded.