How can we be sure that reducing the collection is true?

How can we be sure that reducing the collection is true?

After the platform borrows money, there will always be cases where some users are still unable to get on or overdue, and the platform and third-party institutions need to collect it. Someone consulted Xi Cai Jun and said that the relief mentioned by the cashier was useful? Then let's talk about this problem.

Is the relief mentioned by the collection staff useful?

Is the relief mentioned by the collection staff useful?

There is little possibility of being useful. First of all, there is no abstention. In order to recover funds early and reduce losses, some platforms will take the initiative to "make profits" and only need debtor users to return the principal and a small part of interest to settle accounts. However, most platforms will not do this, but require users to settle in full at one time.

Secondly, in the process of collection, because the collection funds are directly linked to the staff's commission, some collectors will use "reduction" as an excuse to induce users to repay quickly. Many users believe that they will pay back the money in the future, thinking that it has been settled, but it is still in a state of "unsettled" and "overdue" on the platform.

Therefore, when users hear that there is an exemption, they must first confirm it with the official, and then they need the platform to provide a settlement certificate to clear the debt.

Of course, users need to deal with the arrears, otherwise the negative impact caused by overdue needs to be borne by users themselves.

The above is about "Is the reduction useful?" I hope it helps after reading it. Generally speaking, although there are cases of overdue reduction and exemption, they are relatively few, and most of them are a means of dunning by dunners. Users are advised to distinguish carefully. At the same time, pay attention to contact the platform as soon as possible to negotiate solutions.

How to determine the authenticity of Gitzo relief?

Not very real.

Generally speaking, the platform will not take the initiative to introduce a reduction policy. The reason is very simple, just like when you go shopping, it is clear that everyone can only buy 10 yuan, but as long as you apply for a reduction in 8 yuan, others will buy it, which is "unfair".

Although the platform doesn't care about fairness or not, it is easy to cause dissatisfaction. In the end, there may be a situation that "I won't pay back if I don't reduce losses". It is the platform that comprehensively reduces losses. So when you meet the Gitzo platform that the settlement is reduced, you need to pay attention to find out whether it is really reduced or let users repay first.

First of all, he went to a platform with strong credibility and familiar users to complain. Generally, many businesses have settled in this platform. A larger platform like Gitzo will enter, and after the complaint, Gitzo will arrange staff to contact users. If you go to some small platforms, you may not be able to meet your demands, but going to the official complaint agency, although effective, is complicated and takes a long time.

Secondly, in the process of negotiating relief, we should be the "reasonable" party. It is illegal to directly point out the platform loan interest rate. If it cannot be handled effectively, what measures (such as prosecution) will be taken to make the other party feel psychological pressure.

Finally, the demands should be reasonable. Generally speaking, if Gitzo platform agrees to reduce interest, the discount is not great. Users can continue to communicate or "get it as soon as possible". For example, the platform will not pay attention to you if all the interest is reduced and only the principal is paid.

Generally speaking, whether Gitzo can be exempted needs to be negotiated with Gitzo's collection staff. Everyone's situation may be different, and not everyone can be exempted or exempted successfully. When negotiating, be sure to confirm the identity of the other party and prevent swindlers from pretending to cheat. If the other party can provide a formal restoration contract as evidence, then the credibility is still relatively high.

The loan must be paid off in time. If it is overdue, it will affect personal credit problems for too long. If the problem is too serious, it may be executed by the court as "Lao Lai". You can't take the high-speed rail, and you can't buy a house and a car by stages. Bian Xiao felt sorry for them. It doesn't matter if it is too late, which proves that the problem is not very big (but don't take any chances). The third party told the borrower to lower the interest rate, but let you pay the late fee, which means changing the name to let you continue to pay back the money. Don't trust these things easily.

Is it true that the mail received the reminder notice?

To see if it is really an official notice, you'd better consult the bank yourself.

If the loan has been issued, the interest rate has not been lowered. If you apply for a loan in the early stage, good credit information can reduce the loan interest rate. Generally, the collection personnel of many financial institutions are outsourced, so please be careful not to be fooled. If in doubt, you can contact the customer service of financial institutions.

If the online loan fails to receive a text message to inform the court, it is necessary to distinguish between true and false. You can check whether there are words such as filing a case for investigation and investigating criminal responsibility in the content.

I'm Ping An Pratt & Whitney. I'm two months overdue. Now I contact you and say that I can reduce the interest by more than 2,000 yuan. Is it true?/You don't say.

Most of them are not true, and they are probably the collection methods of third-party collectors.

Ping An Pratt & Whitney is also a consumer loan. Simply put, it is a kind of online loan. It is difficult to see the terms of interest reduction and exemption after two months overdue, and most of them are not true.

1, interest relief must be a prerequisite.

During the overdue period of 2 months, in most cases, the third-party collection platform is in contact with you, so there must be preconditions for them to propose interest reduction, such as how much you need to repay in one lump sum.

If you don't have any preconditions to directly explain that you can reduce the interest of more than 2,000 yuan, then you need to pay attention, because this situation is likely to induce you to repay, but in fact there is no reduction.

2. It is necessary to verify the identity information of the other party to determine the authenticity of the rescue information.

Generally speaking, online loans overdue for two months are difficult to reduce, because the interest on online loans is calculated on a daily basis. The longer you are overdue, the higher your debt will be. At this time, the online lending platform has not fully understood your financial situation. How can it rashly propose to reduce interest for you?

So in this case, you need to verify your identity with the other party. The main items include who is the other party? Is there a clear authorization document? How to reduce or exempt? How to repay? Wait, I need you to be sure.

If the other party has no such authorization and only relies on his verbal commitment, please don't trust the other party, which is almost certainly a means of collection.

3. It is best to contact the official personnel of the platform directly to determine the repayment.

If you say that the financial situation has been restored after the overdue period, and you have the conditions and willingness to repay, please contact the official personnel of the platform for consultation. Only the official personnel of the platform have such negotiation qualifications, and this can also avoid the opportunity for third parties to collect commissions from the platform.

Conclusion: The three aspects of complaint have clearly told you how to determine the authenticity of the other party's complaint information, and you can operate it yourself.