Online loan collection actually took the initiative to find the borrower, saying that interest is not needed, as long as the principal is a routine?

"This morning, the collector of the online loan platform came to me to negotiate to pay back the money, claiming to understand my difficulties. Now I just need to return the principal, and the interest is reduced. It's a drop in the sky. Is this true and reliable?"

Indeed, in order to reduce the bad debt rate, some online lending platforms actually reduce the money that can't be repaid, and require those who are overdue to only return the principal, but some of them are true, and some may be routines. Everyone should be vigilant.

I remind you that you should be wary of any behavior that requires you to transfer money to your personal account for repayment through WeChat or Alipay. The money from the online lending platform will not directly enter an employee's account, so it will never hurt to be careful. Many people cheat people, especially short-term small loans, which generally take 7-15 days as the standard, and the collection is more violent, and the information of these borrowers is easy to leak out, and then on the sixth day, strangers pretend to be borrowing company personnel to ask for repayment, because it is basically difficult to borrow small friends, and the address book is caught in hand, and their own affairs do not want to implicate their families, so they are skeptical.

There is another situation now. The collector called and said that he could help the borrower to apply for relief from the platform. Later, he said that the platform had agreed that it would be written off as long as XX yuan was returned. When you returned it as required, the platform continued to collect the money, saying that you only repaid part of the interest and asked to continue to repay the remaining amount. It was really disloyal. There are also collectors who let users transfer money directly to private accounts, and then they will write off the accounts. There is a certain risk in this kind of account, because it is a private account, and it is impossible to tell whether it is the collector's own behavior or the company has agreed. What should I do if I encounter the above two situations? How to avoid risks?

I also want to remind you that you should never borrow online loans unless you have to. If you really want to borrow online loans, you must first know your personal qualifications. You could have borrowed at a low interest rate and a large amount, but many bad platforms lied to you, saying that you can only borrow usury because you are cyber-black. We can pull a central bank credit report or Alipay teng letter map before borrowing, so as to clearly understand our cyber-black index and big data credit report, know ourselves and know ourselves. If you don't trust the collector, you can consult with the customer service staff and make repayment as required after confirmation.