When calling 12378 to negotiate repayment, here are some suggestions that may help:
Explain the problem clearly and precisely:After the ** is connected, you must first clearly indicate your identity and purpose, and then explain your repayment difficulties in detail, including the amount owed, the overdue time, and the reason for not being able to repay on time.
Expressing sincerity and determination:When explaining the problem, show sincerity and determination to make the other party feel that you do have difficulties in repaying the loan, but that you are not deliberately in arrears, but hope to find a solution through negotiation.
Come up with a reasonable repayment plan:After explaining your difficult situation, you can propose a reasonable repayment plan, including deferred repayment, installment repayment, etc., to reduce your repayment pressure. At the same time, make sure that the repayment plan is feasible and does not cause the overdue to fall on again.
Listen patiently to each other:During the negotiation process, you should patiently listen to the opinions and suggestions of the other party, and do not rush to express your own views. If there is a gap between the other party's proposal and your own expectations, you can communicate and negotiate appropriately to reach a mutually acceptable plan.
Thanks and keep the relevant evidence:Regardless of the outcome of the negotiation, thank the other party for their help. At the same time, relevant evidence, such as recordings, negotiation records, etc., should be retained for subsequent use.
It should be noted that calling 12378 to negotiate repayment is not necessarily successful, and the specific result needs to be determined on a case-by-case basis. Therefore, it is necessary to make adequate preparation and planning before the negotiation to increase the probability of successful negotiation. If you can't solve the problem yourself, you can consult a professional debt optimization agency or law firm for their help and advice. They can help you create a reasonable repayment plan and assist you in negotiating with the borrowing institution.
China Banking and Insurance Regulatory Commission. It helps, but it doesn't solve the problem directly.
12378 is a financial consumer rights protection service established by the China Banking and Insurance Regulatory Commission**, whose main responsibilities are to accept complaints from financial consumers and report financial violations and violations of laws and regulations by financial institutions, their employees, other units and individuals. If the borrower believes that the online lending platform has misbehaved or violated the rules, resulting in his or her inability to repay the loan on time, he or she can call 12378** to complain and defend his rights.
However, it is important to note that dialing 12378** does not directly resolve the repayment issue. The China Banking and Insurance Regulatory Commission (CBIRC) can only supervise and punish online lending platforms, and cannot directly intervene in the contractual relationship between borrowers and borrowers. Therefore, before calling 12378**, borrowers should first communicate and negotiate with the online lending platform and try to find other solutions, such as rescheduling the repayment plan.
If the negotiation fails, the borrower can consider calling 12378** to file a complaint. When making a complaint, the borrower needs to provide detailed personal information and relevant factual evidence for the CBIRC to investigate and verify. If the complaint is substantiated, the CBIRC may supervise and punish the online lending platform and urge it to correct the violations. However, this does not guarantee that the borrower will be able to get the opportunity to defer repayment, and the exact outcome will depend on the specific situation.
In conclusion, calling 12378** may be helpful, but it will not directly solve the repayment problem. When facing difficulties in repayment, borrowers should actively communicate and negotiate with online lending platforms, try to seek other solutions, and seek professional legal advice if necessary.
Dialing 12378** can not only protect rights and complaints in financial consumption such as online loans, but also play the following roles:
Consult on financial policies and regulations:Financial consumers can call 12378** if they have questions about financial policies and regulations or need to know about them. This is a company dedicated to protecting the rights and interests of financial consumers, and will provide professional consultation and answer services.
Report a financial institution's violations:If financial consumers find that financial institutions or their employees have violated the rules, such as fraud, misleading sales, arbitrary charges, etc., they can call 12378** to report. The CBIRC will investigate and verify the report and take appropriate regulatory measures.
It should be noted that when dialing 12378**, financial consumers are required to provide detailed personal information and relevant evidence for the CBIRC to investigate and verify. At the same time, financial consumers also need to understand their rights and obligations, as well as relevant laws, regulations and regulations, so as to better protect their legitimate rights and interests.
Negotiate repayment of online loans after they are overdue