What should I do if the online loan is overdue for multiple mediations?

You need to find, apply for mediation and communicate with the mediator about the appropriate repayment plan on the multi-mediation platform.

From a certain point of view, the emergence of diversified mediation represents that the collection industry in China has found a new starting point in the field of business segmentation, correctly empowered through the legal reminder mode, and opened up the ecological closed loop of the last five kilometers in the financial field. It also represents that the traditional collection business has found a new track and business model, which perfectly solves the system pain points of traditional collection companies, goes deep into the debtor's mind, improves the debtor's repayment perception, and injects a shot in the arm for the collection industry.

I believe many people have encountered it, such as this short message:

Or this phone:

Maybe you will have a lot of doubts.

First of all, the first question is whether pluralistic mediation is true or false.

I can tell you for sure that pluralistic mediation is true. You can simply understand that many mediations are similar "private" links before the formal prosecution by the court.

If the chat is good and everyone has reached a settlement plan, then there is no need to go through the prosecution procedure. If the chat is not good, then the follow-up may be to formally file a case and go through the prosecution procedure. Therefore, you should also be able to see that the role of multiple mediation in actual cases is limited. In addition, many people don't know legal knowledge, but when they hear any words related to' court', they think it's a big deal!

However, in the end, when I really went to multi-party mediation, I found that it seemed to be the same thing. Therefore, there are also many people on the Internet who say that pluralistic mediation is "fake". Especially for debtors, multi-party mediation is like collecting money to change a vest.

For example, a group of friends' evaluation of pluralistic mediation is very direct:

Nominally, it is a job of acting as an intermediary to uphold justice, but in fact it is a set of work of collecting money and collecting debts.

Therefore, from a certain point of view, the emergence of diversified mediation also represents that the collection industry in China has found a new starting point in the field of business segmentation, correctly empowered through the legal reminder mode, and opened up the ecological closed loop of the last five kilometers in the financial field. It also represents that the traditional collection business has found a new track and business model, which perfectly solves the system pain points of traditional collection companies, goes deep into the debtor's mind, improves the debtor's repayment perception, and injects a shot in the arm for the collection industry.

Seeing this, I think you will know how to deal with it the next time you encounter many mediations.

Anyway, a thousand words are still the same sentence: money can be reconciled. You can love without money. Try to make money!

In addition, I guess some group friends will be curious about the specific form of multi-mediation.

First of all, you don't have to rush to the people's court platform after many mediations, because this time is not necessarily a formal case.

You have to find it on the multi-mediation platform.

You can see some mediation processes in it.

How's your mediation going?

Anyway, if you have money, you can apply for mediation and communicate with the mediator about the appropriate repayment plan.

Here, the group friends also shared a complete communication record with me (every communication on the platform of many mediations is recorded).

You can have a look, and you will know what to say when you are called.

Finally, there are three things to remind you:

1. If you don't have enough money or financial ability, don't easily agree to the mediation plan. Because if you pay several installments and have no money to pay them back, which leads to overdue, you may be directly applied for execution.

2. If you really don't have the money and repayment ability, and insist on cold treatment, then remember not to accept express delivery and promise indiscriminately.

The chat record of others chatting in a group said, whatever, they were sued.

Then someone in the debt group said to be careful of strange documents.

3. After reading the whole article, I guess you also know what pluralistic mediation is all about.

I wonder what you would do if you met them. If it were me, I would ignore him and wait for formal prosecution. Because many online loans have irregularities, it is generally not easy to really sue. Even if you really sue, you still have the opportunity to raise a jurisdictional objection or make a defense! Even if all else fails, you can actively respond to the lawsuit and strive for a reasonable repayment plan. In short, if you have no money, cold treatment is good for you. If you have money, it is not bad to accept mediation.