Call JD.COM 95118 to negotiate repayment.
the borrower can contact jingdong financial online customer service after the deadline. the steps are: jingdong financial APP- my-my customer service-online consultation, and then transfer to manual customer service to negotiate the second installment demand; Or call 95118 customer service directly and say that you want to negotiate repayment.
The following points should be noted when negotiating repayment:
1. Users can call the online customer service phone in JD.COM or JD Finance APP to contact JD Finance's manual customer service, or directly call 95118 to explain their financial situation to the other party, and they are unable to repay. It is best for users to provide some auxiliary materials to prove their repayment situation, so as to prove that they are really unable to repay without intentionally owing money;
2. Users should actively express their intention to repay, and then propose to customer service to extend the repayment time and repay the arrears in installments. The specific repayment method can be formulated by users according to their own economic situation and repayment amount. If it is reasonable, gold bars may be handled as appropriate. If the first negotiation is unsuccessful, the user can modify the repayment method and apply again.
users should pay attention to the fact that if it is really impossible to negotiate repayment of gold bars, they can only find ways to raise money to repay them. They can borrow money from relatives and friends and pay them back later. The above is how JD.COM Gold Bar negotiates repayment. How to negotiate a deferred repayment for overdue IOUs in JD.COM
1 Call customer service in JD.COM to explain your current specific difficulties and the reasons for your inability to repay, and ask the customer service to make notes.
2 show your strong willingness to pay back, not to pay back, but to be unable to pay back because of temporary economic pressure. One more thing to note, don't lose contact.
3 according to your current income, you must have an attitude to express the general repayment plan for the future to the platform.
4 after receiving the application, the customer service will hand it over to the post-loan department for review. Remember to record the whole process during the telephone negotiation and keep the evidence for emergencies.
5 after passing the audit, the customer service will ask the customer to upload proof materials, such as poverty certificate, bankruptcy certificate, unemployment certificate, serious illness certificate, etc., because the proof materials are uploaded and passed the audit, the negotiation scheme can finally take effect.
6 after successful negotiation, remember the repayment agreement clearly, and don't break the contract for the second time, otherwise you may face the risk of being sued.
Extended information:
If JD.COM IOUs want to discuss repayment for a few days later, it is suggested that customers do the following:
1. Take the initiative to contact the customer service staff of Jingdong Finance to find out why they are overdue, not intentionally, but because they are unable to repay (it is best to provide certain information proof).
2. At the same time, express the individual's willingness to repay actively, and then try to apply for extending the loan term and repay the arrears in installments. Jingdong Finance should consider it as appropriate. If the negotiation fails, you can also adjust your repayment plan and try to communicate and discuss many times. How does JD Finance negotiate repayment
1. Online negotiation: Users need to open the login related software and find online customer service first, and then negotiate directly with the customer service staff. Open the Jingdong Financial App and enter the "My" interface; Click "My Customer Service" to enter "Manual Customer Service" and click Contact Customer Service; Explain why you can't repay, and your good willingness to repay. Consult customer service and apply for repayment negotiation. 2. Telephone negotiation: The user needs to dial the relevant telephone number of JD.COM to negotiate the repayment plan with the telephone specialist. Relevant customer service staff will evaluate and review the repayment plan proposed by the user. After the approval, the user can make repayment according to the negotiation results. Explain the reasons for the current inability to repay and express a positive willingness to repay. Note that the reason for the inability to repay here must be real, which really leads to the inability to repay. Baizhu Customer Service will evaluate it accordingly, and then decide whether to agree to negotiate repayment. If it is overdue for a long time, Baiju Customer Service will generally take the initiative to negotiate with you, but it is best not to wait for Baiju Customer Service to take the initiative, because overdue interest has been increasing, which also affects your credit reputation. Second, JD.COM IOUs are personal consumer credit products issued by JD.COM Platform. It gives a certain credit line according to the customer's credit evaluation, and customers can basically enjoy the payment method of "spending first and then repaying" within the credit line. Jingdong Finance, which belongs to JD.COM Digital Technology Group, is a software that provides financial loans to individuals. By 221, JD Finance has cooperated with nearly 1, financial institutions and banks to launch nearly 1, financial products including IOUs, small coffers, joint small white cards and gold bars. In real economic life, JD.com financial platform has the core competitiveness of platform, content and intelligence, which makes it a leader among many financial service institutions. How to negotiate repayment with JD.COM
You need to call the customer service staff in JD.COM in time, take the initiative to negotiate repayment with the customer service in JD.COM, show your willingness to repay and explain the reasons for your inability to repay. Note that the reason for the inability to repay here must be real, which really leads to the inability to repay. The customer service of Baitiao will evaluate it according to this and then decide whether to agree to negotiate repayment. If IOUs customer service does not accept negotiated repayment, the debtor can only pay off the arrears in one lump sum.
If you are overdue for a long time, Baitiao customer service will generally take the initiative to negotiate with you, but it's best not to wait for Baitiao customer service to take the initiative, because the overdue interest is increasing all the time, and it also affects your credit reputation.
1. Ways to negotiate by stages after the deadline
1. It is quicker to go to a civil law firm to consult with a lawyer, but you need to pay a certain fee to the lawyer. I believe everyone is not willing to take this money. Then you can try the second one.
2. Complain the unreasonable behavior of the bank to the Yinbao J Management Bureau of the overdue credit card bank, request the Yinbao J Management Bureau to intervene and coordinate, and point out that it is willing to settle the dispute by stages through negotiation. If the bancassurance bureau J accepts it, the bank will stop the dunning and call to negotiate the installment. So, please don't turn off your phone again to avoid dunning.
second, the method of making a complaint to bancassurance J. 1. Telephone complaint
2. E-mail complaint
3. Written complaint, mailed to bancassurance J. 3. Handling method of bancassurance J.
When you make a complaint for the first time, you will be allowed to negotiate with the bank yourself. If the negotiation is unsuccessful, or the result is not satisfactory, you can make a second complaint, list the unreasonable requirements of the bank, and explain how many installments you want, but the number of installments should be within a reasonable range. It usually takes a few days after the intervention of J Management Bureau of bancassurance, and it takes about a month for the second complaint.
iv. bancassurance J Management Bureau of each bank
1. Shenzhen bancassurance J Management Bureau: CITIC, Ping An and other banks.
2. Shanghai Yinbao J Management Bureau: Pudong Development Bank, Transportation Bank, China Merchants Bank, Xingye Bank, Shanghai Bank, East Asia Bank and Citigroup Bank.
V. Staging methods of banks
China Merchants Bank, Shanghai Pudong Development Bank, Shanghai Communications Bank, Xingye Bank, China Everbright Bank and Guangfa Bank are all free of charge. If the overdue period is long, or the cardholder requires a short staging period, he can also reduce a part appropriately. CITIC and Huaxia, don't pay liquidated damages. After signing the contract successfully, they will pay 1% of the total amount owed for the first time, and the rest will be paid in installments for free. Minsheng only needs to repay the principal, paying 1% of the amount owed for the first time, and charging a handling fee of 3/1 for each installment.