thought about it over and over again, but decided to write this text. I think some friends should be in the same situation as me at the moment, and we can share some experiences together.
The year when the epidemic broke out, the city was pressed for a pause button, and I was suspended in my hometown in the countryside. In the nearly four months, my mood went from anxiety at the beginning (I suffered from flu , but I was very worried about COVID-19 ), to calmness (the flu has been cured), to the little joy behind me (thinking that I could take the opportunity to have a good rest for a while), and finally, my anxiety was still (I was unemployed). Fate played a little joke on me.
At that time, I thought it was just a little joke in life, but I didn’t expect that this was just the beginning. It would be more appropriate to use a classic joke to describe it: you thought you were just a fart, but you didn’t expect there was something behind it! What’s even more sad is that jokes can be laughed at. But when faced with the jokes of life, even if you know it smells fragrant, you have to face it directly. Although Mr. Lu Xun said, "A real warrior can face a bleak life", he may not have expected that he would face a piece of cake.
Life after the epidemic is extremely difficult, and it is even more difficult to find a job after middle age. The continued income-free state made me pay attention to " Jiebei ". "I need to explain it here: I started a business with two friends in 2016, created a company, and prepared to build an Internet of Things for industry equipment. Think about it now: the concept is good (almost all industries are heading towards this trend now), and the reality is cruel (without a strong resource background). At that time, all the funds were bet on this project. At that time, the APP developed four ports and two generations were iterated. But the continuous investment has not been transformed into strong productivity, and the pressure of life forces me to become a worker again in 2019》
》
》 has become another turning point in my past three years. The old saying "twist and twists" is, how come it becomes "twist and twists every year" when I come to me!
get back to the topic. Three years ago, since I learned about Jiebei, I have been exposed to platforms such as .com online merchant loan , WeSiDai, JD Finance , and Meituan . Some friends may wonder why they are getting in touch with more and more? This is how online loans are. When you cannot form a positive capital flow, you will only get deeper and deeper. Some friends may also suggest: Since you can’t find a suitable job, why not deliver food? Don't drive online car-hailing? To be honest, I did think about it at that time, but it just stayed at the level of thinking. The main thing is that it is not a long-term solution, and time is really tight: a new family is added to the family.
Then what did I do at that time? I went to work as a traitor: I received some equipment purchase orders through some friends' resources. The idea at that time was to browse a long-term path through resource connection.
Practice proves that I have glaucoma . I did not see the fact of the economic downturn through the fog of the epidemic. It’s not that I don’t make money, but that the payment period is unexpectedly long... So, the positive funds flowed into a castle in the air: it flew in the sky, and I chased on the ground... You should know what happened after
: it will be overdue in July this year. The period when I was about to be overdue and unable to solve it was truly suffering. Anxiety and despair lingered in my mind. In a word, I mean I have no taste of food, no sleep, no eyes, no spirit, no body, no hope that people in the world will not know me.
What I used to query the most during that time was that if the deadline was overdue? Will the address book explode? If you want to say that the big data is really amazing now! Since I have checked the relevant content, I occasionally browsed the headlines and suddenly found that there was an advertisement for "What to do if it is overdue" in the push advertisement. The advertising slogan is extremely touching and pointed directly at the key points. I felt a light suddenly appear in the dark sky. I clearly remember that I swiped similar advertisements all night and left contact information for each one. At that time, I had an idea: I must seize this life-saving straw!
The next day, there were calls in one after another, with roughly three points: 1. The fees are basically five points of the overdue amount, and a sincere deposit of 1,000 yuan before signing the contract.Although the advertising slogan is "no charges if you don't succeed", judging from the communication situation, regardless of whether the contract is signed in the end or whether the negotiation is successful, the money will definitely not be refunded. Pay at least 50% after signing the contract, and the remaining amount will be paid within one month. By the way, I read the same contract samples of the two companies, and the ultimate goal is to not succeed in negotiations and not refund the fees! 2. Change the registration phone number to their number, and they can answer the collection phone number, or do not answer the unfamiliar phone number. In short, they just can't answer the phone by themselves, and they communicate with the platform in my name. 3. Promise not to explode the address book.
gritted his teeth and turned around at the third point! After paying for
, there was a message coming back in the afternoon. At that time, I also sighed: What a fucking professional, and the efficiency is great!
Look, it's so professional, and there are videos as evidence.
Look at this professional explanation and confident attitude. What reason do I have to believe that I can survive this crisis smoothly? ! After so many days of hangover, the normal beating frequency has been restored. Finally, the most worried situation was solved, and I finally slept for the first time in nearly a month. Until four days later...
9 September 1st, what a good day, the school season for everyone to celebrate. I was so fucked and was taken into a Chinese class!
I just regret that my hands are not long enough to reach the other end of the phone line...
I completely lost trust in those advertising companies, so I decided to do it myself. Here is an important reminder: Before the deadline, it is best to call the platform’s customer service to explain your current financial situation, inform you that you may be late, and ask if there are any relevant policies. Although the policy is basically not required (online business loans may give one-month delayed repayment coupon), there are still benefits, at least let the platform know your attitude and repayment intention. Since there is a problem with
, we have to face it and solve it. The first thing to do is to solve the problem of the address book being exposed, otherwise the collection will call the address book every day, which will seriously affect the boat of friendship between you and your friends. After the address book of
was exposed by a loan, two friends reported it to me through WeChat. I told them that this is a new type of fraud, so I don’t pay attention to it. Although I write calmly now, I have the hearts of the platform at that time! The move behind this move is so vicious! ! ! But the same thing is said: Don’t panic when encountering problems, calm down and think about countermeasures. Although this is bad news, I thought about it, isn’t this also the evidence to be given? !
I thought about it: calling an alarm has no meaning and cannot solve any problem, so I can only find a platform. I searched through the whole body, inside and out, organized a language, and immediately called the customer service: "You broke my address book under the premise of contacting me. I have obtained relevant evidence. You are a violent debt collection act and violated the Public Security Administration Punishment Law. If you continue to do this, I will complain to the China Banking Regulatory Commission and call the police for handling." The platform also responded: protect the address book so that third-party debt collection personnel cannot call, and the protection period is one month.
The first primary problem that I worry about is solved. I heard that Meituan would also explode the address book, so I immediately called the customer service again: "My address book is now exposed by a certain loan, and I have complained to the China Banking Regulatory Commission. I hope that your platform will not violate relevant laws and regulations if you can contact me, otherwise I will firmly safeguard my legitimate rights and interests." Meituan customer service: "Stop urging third parties."
solved the worries about the explosion of the back garden, so we can concentrate on dealing with the repayment issue. Take the initiative to call the platform to communicate and request negotiation to repay the loan. The customer service will basically say that there are no relevant policies or authority. At this time, he will be asked to record your request and transfer it to the post-loan specialist. Key point: Just fight every few days and repeat the same demands.
Of course, before making a call, we must clarify our own ideas. We and the platform have a common goal: clear the accounts. It is our obligation not to escape, and repayment is our responsibility. We must truthfully explain the current difficulties, emphasize repayment willingness, and demonstrate repayment ability.
Let’s talk about the results.
If there is no malicious escape, JD.com and Meituan will basically call in to negotiate within half a month after the deadline. JD.com repays the overdue part, and the remaining payment is in installments (24 periods); Meituan is postponed repayment (one year); a loan stops urging a third party, and calls the platform to reduce the penalty interest when it is able to repay the loan in one lump sum. The rest are still working hard. I plan to pay off all my foreign debts in one and a half years and become a normal person. The authority of online merchant loan customer service is to be extended to the end of the year. If the repayment is not possible after the maturity, you can call the platform again.
The reason why I wrote these is that I was self-reflection, and the other was that I hope that friends who are in the same vortex would not step on pitfalls and avoid adding insult to injury.
will report on new progress.
There is a poem that says: Both of them are falling into the world, drink wine in the glass together!
Note:
Turn on the automatic recording function of your phone!
must not escape, and you must answer the collection call. No matter how ugly it sounds, be calm and rational. After all, we are the first to breach the contract. You can ignore the collection text messages mentioned on the platform every day, which is one of the means.
If you don’t want to answer every call, take the initiative to call the platform customer service. I inform you that you have encountered difficulties now and will not avoid problems and will definitely pay them back later. And ask customer service to help me note: If you want to make money from work, it will be inconvenient to answer calls occasionally, but it can be guaranteed to be contacted every day.
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