The Jiufu Wanka loan has been handed over to PICC Property and Casualty Insurance Company overdue and the bill has been paid. How to negotiate for repayment?

If the Jiufu Wanka loan is overdue and the repayment is negotiated, you need to contact the customer service staff in time to explain the actual situation and negotiate the repayment.

When negotiating with Jiufu Wanka, everyone must explain their true situation and provide some strong evidence to avoid making Jiufu Wanka think that they are deliberately not paying back. During the negotiation process, everyone must determine a new repayment plan based on their actual situation, and never let the new repayment plan deviate from their affordability.

Under normal circumstances, during the negotiation process, everyone must pay attention to their attitude, and their attitude must be sincere and kind. If everyone's attitude is not good, it is likely to have a negative impact on the outcome of the negotiation.

Extended information:

The introduction of Jiufu Wanka loan overdue is as follows:

The amount you owe should be returned, so don’t expect it during the negotiation process If there are too many reductions and exemptions, you can strive for an appropriate amount of reductions and extensions and extend the repayment period. Jiufu Wanka can still negotiate repayment.

For friends who are really unable to repay and are overdue, you can try to negotiate with Jiufu Wanka to try to reduce some overdue fees and loan interest. Many people will choose to avoid collection by refusing to answer calls after they are overdue, but this method cannot solve the problem. It is recommended that everyone do not avoid bank collection after the loan is overdue. How to negotiate and deal with Jiufu Wanka’s reimbursement by PICC?

After Jiufu Wanka’s debt is reimbursed by PICC, the user must first confirm in the APP whether the debt has been repaid, and then call the PICC. Confirm the compensation time and amount over the phone. If the amount is correct, just return the compensated part of the debt to the insurance company, and at the same time ask the other party to issue a settlement certificate.

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In the Jiufu Wanka loan, after the money arrives, PICC Property and Casualty Co., Ltd. will deduct the premium from the loan principal.

It is reported that the insurance premium collected by the Foshan Branch of China PICC Property and Casualty Co., Ltd. stipulates that if the borrower cannot repay the loan on time, the insurance company will bear the repayment responsibility. The reason for not being able to request a refund of the fee is that there is a clear prompt on the loan page, and the applicant can only borrow money if he agrees to buy this insurance. Therefore, the success rate of prosecution is not high.

If Jiufu Wanka cannot afford the repayment, users can choose to negotiate repayment with Jiufu Wanka. First of all, you need to express your attitude and explain that you are willing to repay the loan and hope that part of the interest can be reduced. Jiufuwanka will then decide whether to agree to the user's application based on the actual situation.

If agreed, the user can repay according to the agreed time. The application is rejected and the user can only repay according to the original contract.

Even if the interest cannot be exempted, users can still apply for a deferment of repayment. After the extension, they will have more time to collect the repayment amount.

Extended information

If the Jiufu Wanka card is not returned, the credit report will be affected due to overdue payment, thus affecting the personal credit report. Moreover, the Jiufu Wanka card will not charge any outstanding fees for the current period. 5% of the principal repaid is used as a late payment fee, and 0.1% of the unpaid principal is used as penalty interest, thereby increasing the borrower's debt. In addition, if Jiufu Wanka fails to repay, its staff will make a reminder to the borrower. If the borrower does not repay the money after the refund, he may even be sued by Jiufu Wanka.

Jiufu Wanka will grant a corresponding credit limit based on the user’s credit, which can reach a maximum of 150,000 yuan. However, the interest rate for borrowing on this platform is relatively high compared to banks, but it is not considered a loan shark. , the annual rate limit for loan sharking is 36%, so Jiufu Wanka is still a legal loan platform. If the Jiufu Wanka card is overdue and PICC reimburses me, I have to pay it off, but PICC does not provide proof of settlement. Can I continue to pay it back?

No, no. Because once the PICC compensates you, your debt will be repaid by the PICC. Then at this time, the debt relationship has changed. It doesn't matter if there is no settlement certificate. However, Jiufu Wanka PICC has paid for it. You should contact PICC as soon as possible to make repayment and ask the other party to issue a settlement certificate.