No negotiation; but if the user financial difficulties can not pay the money owed on time, doudoune moncler outlet, the platform will have a three-day grace period, three days after the still overdue will be on the credit and calculation of the penalty interest. The company's website is a great source of information about the company's products and services, and the company's website is a great source of information about the company's products and services, and the company's services.

DouDouQian is a Hong Kong-listed Wearnes Financial Group a focus on mobile Internet lending platforms, designed to provide people with consumer financial services; Wearnes Financial Group relying on 10 years of industry data accumulation, experience precipitation, the establishment of the industry-leading intelligent "hummingbird cloud wind control system" and multi-dimensional scorecard system, to create a better intelligent financial products. The company's products have been developed to meet the needs of the market and to meet the needs of the public," he said.

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One, DouDouQian introduction

1, product features: the product for the user to provide 5000-50000 yuan amount of loan amount, pure online operation, the monthly interest rate as low as 0.75%, as fast as the day of the next payment. 2, the use of the way: the user can be in the major Android and ios application market to download DouDouQian APP, or through the DouDouQian WeChat service number to register for application; purely online operation users can apply through the cell phone, without the need to submit complicated.

3. Applicable people: All users with credit cards, mortgage, social security, provident fund, car insurance, life insurance, property insurance and other policies can apply for Doudou money.

4, quota: up to 50,000 quota, excellent repayment record can also get the opportunity to raise the quota, the quota can be used within a certain period of time.

5, installment repayment: can be divided into 6, 12, 24 months repayment.

6, safety and security: DouDouQian's intelligent system to protect the platform capital transaction security.

The consequences of late payment are as follows:

1, affecting personal credit; Doudou Qian has full access to the credit system of the People's Bank of China, so Doudou Qian is late on the credit system, the repayment record as well as the late record in the credit report will have a record of a series of consumer activities for the future loan, credit card processing and other impediments.

2, to the reserved contacts call; after the user overdue around the contact will receive Doudou money collection calls, to the lender caused a relatively large negative impact.

3, charging late fees; Doudou Qian's late fees are not low, directly exacerbating the lender's repayment pressure and financial burden.

1, if you overdue has not been paid back then 2113, the platform commissioned outsourcing collection is normal;

2, because of this kind of platform 5261 overdue interest is very high, so 4102 you can negotiate a reduction in the amount of repayment of 1653, you can also calculate the repayment of the interest rate is high back out of the national regulations of the The interest rate, if higher, the higher part you can answer to not return;

Credit card insolvency, you can negotiate with the bank, the bank side of the requirements are simple, as long as the repayment on schedule can be. Overdue more than 90 days, to the court:

① In accordance with the loan contract and the security contract (mortgage or pledge contract), the card issuer will be sued to the court, the court will take measures such as property preservation, including freezing of the lender and the loan guarantor of all the deposits in the bank account, the seizure of property that has been pledged, etc.

This is the first time that I've seen this kind of thing.

② After the verdict, the law will be enforced (garnishment of deposits, auction of pledged property, etc.) property to settle the bank's loan losses.

③ Specifically: the principal amount of the loan, the loan interest, late interest and penalty interest, as well as all the litigation costs incurred, the disposal of collateral (pledge) material realized when the relevant costs.

Can be negotiated repayment, the CBRC issued the "supervision and management of commercial bank credit card business approach" in the management of collection, the "approach" to commercial banks to deal with the cardholder due to special reasons leading to a decline in the ability to pay back the situation has made innovative arrangements to allow commercial banks to specific situations and cardholders equal consultation, *** with the design of personalized repayment agreement, and personalized repayment agreement of collection The collection behavior and subsequent processing of the personalized repayment agreement are regulated, and improper collection behavior is prohibited to protect the rights and interests of cardholders who have the willingness to repay. Negotiation should pay attention to the attitude to be sincere, the real situation to tell the truth, and let the bank have expectations of you, that is, your commitment to repayment should be attractive, so as to obtain the bank's concessions. Although the approach encourages negotiation, it does not mean that it is necessarily negotiable, so you have to fight for it.

Whether the credit card can be paid in installments, it is necessary to apply to the bank first, but whether the application is passed depends on the bank's audit conditions (credit card often late is likely to affect the application). Credit card installment processing:

1, cooperative merchants: you can go directly to the store to buy things, and then swipe the card to tell the merchant to do installment kind of, you can handle installment.

2, non-co-operative merchants: some banks stipulate that the card more than 1,000 yuan, some banks more than 1,500 yuan, by first swiping the card to shop, and then the bank for the need to pay a certain amount of fees (generally 2.5% to 7% range).

Four months in a row,doudoune moncler pas cher, one day overdue, and now I have to pay the full amount?

You need to pay back the full amount.

One, you can take the initiative to contact customer service when you can't pay back the money. At the same time to save the relevant evidence. After all, late repayment will incur penalty interest. When contacting customer service to explain their unintentional late. Let the staff to deal with. Usually customer service will give a solution. After borrowing money on Doudouqian, you have to pay back on time. After the late repayment is on the credit card. And you can't borrow money again after you've been late. After the credit becomes bad, it will affect other loans. The first thing that you need to do is to get a good deal of money from the bank. Generally speaking, after the bad credit should be dealt with in time.

Two, pay attention to the various costs when borrowing online. If the cost of borrowing is relatively high. This is the time to borrow with caution. You can choose a formal platform when borrowing. In the formal platform borrowing when the expenditure of interest is relatively low. And support installment repayment. When an individual has money, he or she can repay the loan in advance. Now we are more familiar with the borrowing platform Borrowing platforms When borrowing money each platform gives a different borrowing rate and borrowing amount. But with the increase in the number of borrowings. The amount of money borrowed will increase and the interest rate on the money borrowed will decrease. If you can't pay back the money you borrowed on Doudouqian, the borrower can contact the staff of Doudouqian for negotiation. Whether the negotiation is successful or not depends on the approval result of Doudouqian. However, it is very likely that the negotiation will not be successful, after all, Doudouqian does not clearly provide extension services.

Three, therefore, it is recommended that customers must develop a good habit of repaying on time, borrowing should also take into account their own economic income, debt situation and repayment ability. Lest you borrow too much, the repayment pressure is too great and can not repay, affecting personal credit.

Late interest: is caused by late loan penalty interest, specifically refers to the lender does not return the borrowed money in accordance with the agreement of the contract overdue penalty interest. The general operation is to add 30%-50% penalty interest on top of the original loan interest rate.

You can, but pay attention to the skills:

1, active negotiation, take the initiative to repayment

Don't wait for the overdue call of the online loan before you want to go to the negotiation, you can take the initiative to contact the customer service to negotiate repayment before the overdue, to give a grace period or directly reduce the interest rate, the customer service does not agree to can be more than a few times to call.

2, to know the love, sincere attitude

and collection personnel need to communicate with a sincere attitude, do not say that they do not have money, this kind of they are tired of hearing. The first thing you need to do is to get your hands on a good deal of money, and then you'll be able to get your hands on a good deal of money, and then you'll be able to get your hands on a good deal of money.

3, move to reason, keep the evidence

If there is a non-compliance of the online loan, such as membership fees, audit fees, or the phenomenon of violent collection, you can keep the relevant evidence, understand certain legal knowledge to negotiate, pay attention to proper speech, do not language violence.

With the above 3 points of negotiation skills, but also pay attention to the following points:

1, the collection of phone calls can not not be answered, we must know that avoidance is not a solution, you do not answer the phone will go to harassment of your contacts, to keep the phone can be connected to facilitate the negotiation.

2, if you have been exploded contacts do not panic, you can send a circle of friends to show that their identity information leakage, do not pay attention to.

3, if there is a violation of the collection, such as fake lawyer's letter, subpoena, arrest warrant, etc., the other side of the crime is big, you can call the police or complaint processing.

4, if someone fake collection contact you, you can only pay back the principal, want you to make a private transfer, do not believe, no matter what the outcome of the negotiations, do not make a private transfer.

Collection process:

1, late pre

At the beginning of the late, the online lending platform may be just a phone bombing of the borrower, and some even bombing can not be counted, because after all, it is doing business, or hope that you can pay the money owed in a timely manner.

2, overdue in the middle

But through a period of time to the borrower himself after the collection, found that the borrower did not repay on time, and have the intention of avoiding the repayment of the platform may be on the borrower's friends and family to collect. The means is also basically telephone + SMS.

3, late late

When the previous means of collection are ineffective, the platform will be handed over to outsourcing specializing in collection, this time is the whole collection process is the most difficult stage. In addition to 24-hour non-stop phone calls all kinds of harassment of borrowers and their families and friends, or maliciously on the borrower P picture, spread news that damage the borrower's reputation, forcing the borrower to come forward to solve the problem.

4, late late

When the small partners of the psychological really strong enough to carry over the first three, then the last may need to face is the collection of door to door, or go to the normal legal procedures. Especially the legal process, even if the platform there are improper means of collection, but the money should be paid back.