How to communicate and negotiate repayment with customer service after the loan term expires

Negotiate deferred repayment conditions:

1, it must be overdue.

2. No payment instruction has been applied.

Phase I preparation

1. Know your bill clearly, including the principal and how much you owe now.

2. It is difficult to collect evidence of Alipay's collection for you.

It is difficult to collect evidence.

3. Think about three questions:

A, what is the reason for your overdue, why can't you pay it back, what is the reason for the debt, and can provide proof.

For example, if you fail to start a business and have high debts, you can provide a business license and proof of current income.

For example, if you are unemployed, affected by the epidemic, and now your income is relatively low, you can provide proof of unemployment and proof of work;

B. What is the current total debt (credit)?

C.what's your current income? You are confident to solve it in 2-3 years.

Negotiation communication method

The general principle is to call Alipay's official number 95 188 (online business loan: 95 188-3) to let the other party know that Alipay's collection has brought you trouble, and at the same time let Alipay know that you can't settle the repayment temporarily.

But with a steady income, I have the ability to give you a one-time settlement after an extension. Pay attention to details in the communication process. Every communication should be recorded, pay attention to each other's feedback and stick to my wishes.

1, contact the Alipay official, 95 188(_ online business loan: 95 188-3).

2. Communicate with customer service

A, let the customer service know that you have to feedback the overdue problem of Alipay after the connection.

B, first complain that the collection of Alipay has caused troubles to your work and life.

Note: Normal collection (or not excessive collection) should not be strong, but the violent collection behavior of the other party, such as threatening family members, is strong (be careful not to bring emotions into the negotiation extension).

C. Inform the other party of the reason why Alipay spends money in loans overdue. What caused the current debt? At present, the income from work can't be repaid in one lump sum for the time being, and it's useless for Alipay to urge it again.

Note: be true, but also optimize. For example, caused by loans, let's not talk about it. Just pack it a little. You should have thought about it at the first step of preparation.

When asking about liabilities, you should consider your income and total liabilities, so that the other party can feel that you still have a surplus at present, and you can deal with it at one time after 2-3 years.

A. Claim for compensation from Alipay, and hope to postpone the one-time payment after 1-3 years!

B. Wait for feedback from the post-loan personnel of the other party. If you don't give feedback or don't give feedback for too long, it proves that there is something wrong with your communication with Alipay. Listen to the tape after you come back, rearrange your speech and continue to give feedback.

3. Matters needing attention in communication

First, the preparatory work must be done well.

B, the communication process is full of questions, so the dialogue is smooth and I won't ask you too much.

C, don't be inconsistent in your own affairs, you must be firm.

Third, the negotiations were successful.

1. After Alipay agrees to postpone repayment negotiation, you should ask how much interest can be reduced and settled after maturity. At this time, the customer service will not say that it can be reduced for you. This is their request, but you must emphasize that after 1-3 years, you can save enough money for your current bill.

2. After reunification, Alipay will generally ask you to submit materials. Just submit the documents prepared before according to the method. If you can't produce some proofs, such as poverty proof, try to explain the reasons to Alipay and replace them with other proofs that can prove your current difficulties, such as credit+income proof.

3. After both parties reach an agreement through consultation, you will generally be informed of the negotiation results by SMS or email.