Today, I will share with you a real overdue negotiation method. Netizen Amo was sued by the bank for owing a credit card loan to Shanghai Pudong Development Bank. Although he was sued, he negotiated with the bank without waiting for the court session.

How on earth did he do it?

From 2065438 to 2008, Amo borrowed 33,000 yuan from Shanghai Pudong Development Bank, which was overdue and was required to pay off all the debts within two months.

Amo said that he was overdue for more than 7 months, and the principal plus interest and late fees totaled nearly 42,000 yuan, which was impossible to pay back in two months.

So he chose to escape and ignored the collection. The result is waiting for the indictment sent by the court.

Just as Amotti was waiting for the trial, things suddenly took a big turn. Amo received a phone call from the court asking whether to answer the lawsuit or negotiate. Amo chose to negotiate, and then the court provided him with the phone number of the lawyer entrusted by Shanghai Pudong Development Bank to negotiate on his own. In the process of communicating with the lawyer, Amo hoped that the bank would reduce the interest rate and agree to repay the loan by installments, but he said that he could repay the loan by installments at most 12. Amo was not satisfied with the result.

Later, after many times of communication, the lawyer advised him to issue a poverty certificate. The so-called poverty certificate refers to the proof that the loan cannot be repaid on time because of problems in economic and living conditions caused by excessive foreign debt. According to the lawyer's advice, Amo wrote a poverty certificate in the village and gave it to the lawyer.

The next day, Amo received a reply from his lawyer. The lawyer told him that the bank agreed to negotiate, and the interest reduction only repaid the principal in 36 installments, but it required a certain handling fee. Finally, Amo has to pay back 33 120 yuan in total, and only needs to pay back 920 yuan every month. Amo signed the materials negotiated and adjusted with the bank, and the bank also withdrew the lawsuit in the court.

After the negotiation is successful, the collection is still in the process of debt collection.

Half a month later, Amo received another collection call. It turned out that they didn't know that Amo had successfully negotiated with the bank.

Amo explained to the collector that he negotiated successfully with the bank, but the other party didn't believe him. In desperation, Amo complained about the collection. After the complaint, the leaders of the assembly called to apologize, but Amo refused to accept it and continued to complain. Amo was troubled by the collection, and he didn't want to compromise easily. After complaining for almost a month, Amo finally got something. When he complained, he expressed his willingness to extend the repayment date. At first, the bank disagreed, and finally he changed the original 36 issues to 60 issues. In the past, I had to pay more than 900 yuan a month, but now I only need to pay more than 500 yuan, which greatly reduces Amo's repayment pressure. Through this case, there are several successful ones for your reference.

1, poverty proof is very important

Proof of poverty can directly prove their current economic situation to banks, not because they don't pay back the money, but because they have difficulties in repaying it. This certificate must be written according to your own actual situation and needs the seal of the neighborhood Committee or village Committee.

2. Have a good attitude and show willingness to repay.

For banks, the borrower's willingness to repay is very important.

"I will pay you back every penny I owe you." This sentence clearly and firmly expressed his willingness to repay. Let banks see your repayment attitude, and they will be more willing to negotiate with you.

Don't be afraid to collect and complain to protect your rights and interests.

Although collection is hateful, it can sometimes win yourself a chance to negotiate. At present, the collection quality is uneven. In the process of debt collection, they must keep relevant evidence, such as recordings and chat screenshots. Once they have violent collection behavior, they can complain. As long as you persist, there will be results. Just like Amo complained for almost a month, he not only got an apology from the bank, but also extended the repayment date.

4. Negotiations should have a clear purpose.

Before negotiation, you should think about the ultimate goal, such as whether you want the bank to reduce interest and only repay the principal, or apply for an extension of the repayment period, or both. As long as the bank can agree to one of these points, it can reduce the burden on borrowers. Finally, Lao Song wants to tell you that even if you are sued, don't be afraid. Before responding to the lawsuit, actively negotiate with the bank. Once the case is won, the bank will drop the lawsuit.

At the same time, we should also remind everyone that because banks now outsource collection to third-party institutions, the other party is often very tough and unwilling to communicate when negotiating with collection.

Therefore, it is better to negotiate directly with the bank staff. After the negotiation is successful, inform the other party that the repayment will be made on time, and ask the collection personnel not to harass again.