The whole process of online lending from emergence to explosive growth, to national crackdown and then to gradual withdrawal is what happened in recent years. Soon, the epidemic and Tik Tok accelerated this process.
Today, online loans hope to withdraw funds, either through negotiation or through prosecution, which provides us with an opportunity to deal with online loan disputes.
Entrustment of online loan disputes is a difficult point. Debtors who owe online loans are themselves not rich people, hoping that the cost will be minimized. However, the cost of legal services is high. Understand your online loan situation and look at your contract agreement in depth. The specific disassembly calculation is the workload, and the first step is the cost. Secondly, the workload of the treatment process is very large, and the result can only be an uncertain range beforehand, so it is difficult to give a specific result before, which leads to the debtor's lack of confidence in the entrustment.
As a financial institution, banks earn interest from cardholders mainly by issuing credit cards. If the cardholder's credit card bill is overdue, the bank will collect debts in various ways. If the cardholder is overdue for too long, he may be sued by the bank.
Therefore, in order to avoid more serious consequences, many cardholders began to negotiate repayment with the bank after their credit card bills were determined to be unable to repay. However, banks are financial institutions after all, and will not let cardholders negotiate personalized installment services casually, so there are many companies specializing in handling overdue credit cards in the market.
Ninety percent of the so-called "companies or intermediaries that handle overdue credit cards" cheat cardholders. Cardholders should be especially wary of some intermediaries that directly charge XX yuan for consulting fees when they come up. These institutions basically use cardholders' anxiety about being collected to cheat cardholders' money.
I would like to remind you that according to the regulations of the bank, only when the overdue time exceeds three months, the overdue bill exceeds the cardholder's repayment ability, and the cardholder's willingness to repay is good, can he negotiate with the bank for repayment. The bank only accepts the cardholder's own consultation, and does not accept the cardholder's entrustment to a third-party intermediary.