Who has expired gold bars in JD.COM? Can you tell me how to deal with the explosion?

2. China Internet Finance Association

3. Bank of China Insurance Regulatory Commission

Collect complaints

During the collection period, in case of violent collection, such as intimidation, threats, inducements, disclosure of other people's information without my permission, harassment of unrelated people who have not lost contact, etc., these platforms can complain. Remember: the phone calls should be recorded, and the short messages sent should be screenshots, because complaints must be substantiated, and you will not accept complaints just because you say that you have been violently urged.

Finally, add another sentence: cherish life and stay away from online loans! ! !

22 days overdue is far from enough to sue you.

This is the status quo of my gold bars in JD.COM, and the longest overdue is 9 days. The previous issues were overdue by 20 days at most, and were returned, but not reported.

I still have two issues to return. Of course, JD.COM is the only one. At present, there are Meituan, Microfinance, Flower Shop, Borrowing Bank and two credit cards. Among them, micro-loans, lending banks and credit cards are the big ones, and each one is 20 thousand smaller. The beauty group is still more than two thousand, and the flower garden looks like five or six thousand.

Generally speaking, if the deadline is less than one month, JD.COM will not take further measures. I haven't tried JD. The bottom line of COM. I estimate that if you are sued, it will be four or five months overdue anyway.

Frequent short-term overdue, let me generally adopt a indifferent attitude in the face of reminders. You don't answer anything except the official phone, and it's no use answering it. There is nothing to talk about with people who have collected it. Might as well hang up and make money to pay off debts.

As for the official telephone number, it is generally gentle. Although I urge you to pay back the money quickly, at least I won't scold you rudely and insult you.

Credit cards are different. Hengfeng credit card is generally overdue for two weeks, and the official phone call comes in. The tone is blunt, but it is also easy to discuss. For example, this month, plus last month's, I should pay back more than 4400 yuan, but I don't have that much money. Hengfeng's official collection will let me pay back more than 2,200 yuan last month, and this month's more than 2,200 yuan will not be urgent until next month's account date.

Generally speaking, unless CCB's credit card is overdue for more than 20 days, the official collection will call you and tell you that if it is not returned by next month's billing date, it will be automatically transferred to a third-party collection company through the system. And easy to talk.

But in any case, after all, if you owe money, it is king to find a way.

I sincerely hope that you and I can get out of the debt quagmire as soon as possible. Mobile phone settings prohibit strangers from not answering the phone and uninstall JD.COM.

It may also be a reminder call. In the past, my phone number was filled in by someone else on the 360 online loan platform. As a result, the phone number of that person changed, and the loan reminder platform called me every day. That's an annoying thing. I have a headache from boredom. Later, I set a strange number and couldn't get in. It's been a long time since I moved.

Repay, even if the minimum repayment amount is paid off first.

Use the services of JD.COM and JD Finance cautiously, especially when shopping through JD.COM Baitiao. Shopping in JD.COM is very convenient. Try to use the bound savings card or recharge the balance for shopping. As long as you use JD. COM service, JD.COM has the right to use all your user information, including your shopping privacy information in JD.COM Mall, which JD.COM called "user-reserved information". You can call Jingdong Financial Customer Service for confirmation. They all said it themselves, and there are recordings to prove it.

If it is overdue, JD.COM Mall will be leaked to JD Finance for at least one and a half years. Jingdong Finance will hand over these shopping privacy information to their third party, namely the entrusting party of Suqian Teng Jun and Suqian Teng Jun, and judge your real home address and work address by analyzing the shopping content and delivery address. Through Jingdong Express, you can send high-frequency express mail: notification letter and reminder letter to JD.COM without your consent and confirmation of the delivery address. At the same time, we can also frequently feel the bad words of Jingdong Finance that the company's collection personnel of Suqian Teng Jun entrusting party are "poor in quality, poor in attitude and poor in professional ability".

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If you use IOUs, don't overdue them, otherwise you will frequently feel the so-called bad words of the third party from Suqian Teng Jun (a subsidiary of JD.COM). COM), a white-striped operation consulting company of Jingdong Finance, is a messy company "employee" who calls himself a customer of Suqian Teng Jun.

I also overdue the JD.COM gold bars. Within ten days after the overdue, someone will call and ask me why I didn't return them.

There will be a phone call for more than ten days. If the tone is to report credit information, inform family and friends. If you don't answer, you will keep calling. If a number is blacked out, different numbers will come in. I told you it was bad for your health or something if you took it off for a long time.

For more than a month, the call was almost uninterrupted, and you could call your mobile phone without power.

I haven't tried it in months. Can't stand the phone harassment, ask relatives to borrow money and pay it back first. That sounds horrific. It's unloaded now, and I won't borrow it no matter how difficult it is, and the late payment fee is quite high.

If you owe money, you have to pay it back! It can be returned as soon as possible, but it can't be solved. If you eat less and use less, you can save money in your life. Owning money is really hard. You have to fill up the hole you dug to live a quiet life.

It's been more than 40 days, from three calls a day to one robot phone a day now ... I received a dunning letter from Jingdong Express once a month.

Just call the customer service and communicate with them.

1, contact the customer service of JD.COM Gold Bar, negotiate with it amicably, and strive for a grace period;

2. Borrow money from friends and return it to friends when you have money;

At present, after JD.COM gold bars are overdue, interest is charged at 0.075% of the unpaid amount every day. If the overdue amount is 65,438+00,000 yuan, the daily interest is 65,438+00,000 0.075% = 7.5 yuan, so the money must be returned on time.

Finally, I would like to remind you that you must spend rationally according to your repayment ability. Don't use loans to support loans, otherwise it will easily lead to more and more loan interest, which will lead to tragedy.