Is it really so beautiful to help "Kanu" turn over to the shore agency?

　　Negotiation installment of credit card?

There is a "script" in the intermediary negotiations,

　　Mr. Zhang was unemployed at the end of last year and he has not found a suitable job. The credit card bill has been overdue for three months, which makes him anxious.

After a friend's recommendation, Mr. Zhang found that there are intermediaries on the Internet that can help customers "negotiate installments" with the bank, not only without interest, but the principal can be repaid by up to 60 installments, and he was instantly moved.

　　Can these self-proclaimed "superior power" intermediaries really help the "Kanu" who are unable to repay the money?

Is their so-called "negotiation installment" business really so beautiful?

A reporter from Beijing Youth Daily conducted an investigation recently.

　"Negotiation Installment" "Debt Restructuring"

　　Advertising information is spread across all major platforms

　　A reporter from the Beijing Youth Daily searched for keywords such as "overdue negotiation", "negotiation installment", and "debt restructuring" on the Taobao platform, and a large list of shops would pop up.

Their advertising slogans are basically the same, and their selling points are "no prosecution", "stop collection", "stop high liquidated damages," and "personalized installment plan up to 60 periods."

The names and introductions of many stores include the words "Legal Branch", "Legal Center", and "Legal Consultation".

　　There are also many related content on social platforms.

There are nearly 40 "negotiation installment" bloggers on Weibo, with more than 500,000 followers.

In addition to introducing the relevant knowledge of credit card overdue, it is mainly to promote the service of negotiated installment. The pictures sent are basically screenshots of the dialogue after the successful negotiation of the customer.

　　There are also many bloggers on Zhihu who have “stopped interest rate and linked accounts” and “negotiated installments”. Various successful cases and strategies are all over the world. However, how to talk to the bank specifically, you still need to contact by private message, and there will be business personnel to connect.

　　There are also a large number of "negotiation installment" and "debt restructuring" courses for sale on short video platforms such as Douyin and Watermelon.

Some bloggers taught Kanu how to deal with the bank in detail; others demonstrated in person and released recordings of their communication with customer service.

　　Intermediaries generally have two service methods

　　At least 1,000 yuan for a single business

　　It is understood that this type of intermediary for negotiating and instalment generally has two service methods: one is to negotiate with the bank on behalf of the customer, which can sign an agency contract; the other is to conduct "off-site" guidance, allowing customers to prepare materials according to their plans , Using the words they taught to negotiate with the bank.

　　These intermediaries known as "debt planners" and "legal consultants" are certainly not free consultations.

A reporter from the Beijing Youth Daily learned that the current intermediary charge standards are different, and the charge ratio is basically 4%-10% of the arrears. A single business must be charged at least 1,000 yuan, but there is room for negotiation.

　　A reporter from the Beijing Youth Daily contacted a store on Taobao that sold more than 2,000 copies a month.

The other party directly gave a WeChat account to consult with the staff about the specific situation, and also emphasized that "all payment processes are through Taobao, and the qualifications can be checked at any time."

　　A reporter from Beijing Youth Daily contacted them on WeChat and consulted in the name of helping friends.

My friend has three cards to be overdue, one of them is about 50,000, and the other two are about 30,000.

The other party stated that the situation of the negotiated installment is different for each bank.

After some banks have negotiated, the liquidated damages will be suspended and the interest will not stop; some banks can freely and flexibly install instalments; some banks need to pay a 10%-15% down payment.

In the end, it depends on the specific policies of each bank, but "most of them can talk about 18-60 month installments."

They communicate directly with the bank on behalf of the customer, but they need to provide some information. The charge is 1,200 yuan per card, for a total of 3,600 yuan.

　　"You first place an order on Taobao, and I will deliver the goods after the negotiation is successful. If it fails, I will not receive your money." Mr. Zhang also contacted this shop on Taobao.

He told a reporter from Beijing Youth Daily that he had a credit card of 60,000 yuan overdue, and hoped that the bank would install 60 instalments for free so that only 1,000 yuan per month would be repaid.

But the other party said that 60 periods are difficult, up to 48 periods, and the price is 2,400 yuan.

Mr. Zhang found it too expensive, and the other party replied, "This bank is the most difficult to speak."

　　Another intermediary said that the cost of arranging a lawyer for the whole process is higher, requiring 8% of the bill amount + 500 yuan for materials; the guidance and assistance is cheaper, 1888 yuan, all the cards under the name are covered, and the actual charges are "negotiable" .

　　If the card owner wants to "negotiate installment"

　　Need to provide credit card password and other information

　　After some consultation, Mr. Zhang finally gave up the full power of the agency, because "they want too much personal information, and the bank password, I am a little scared."

It turned out that the intermediary required the client who suspended interest rate to provide the front and back photos of the ID card, bank name, card number, card application method, query password, quota, current outstanding amount, reserved mobile phone number, contact name and phone number, contact relationship, and billing date , Repayment date, reserved mailbox at the time, name of the company at the time, address of the company at the time, name of the current company, etc.

　　"If I provide him with these, of course it will be convenient for him to negotiate with the bank for me, but they also have my private information at the same time, it feels wrong." Mr. Zhang said.

　　Intermediary negotiation has a "script"

　　Sell ​​miserably, show determination, complain and threaten

　　Some netizens commented on the platform: “I have communicated with the bank customer service several times before, but did not apply to stop the interest rate and account. Some customer service directly said that the bank does not have this business, but the intermediary did it."

　　Why can't the client agree with the bank, but the intermediary can "unwinner"?

"They are all routines, all have scripts." said Dong Zheng, a senior credit card research expert.

It is understood that what is regarded by the intermediary as a "shangfang sword" is Article 70 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks" implemented in January 2011, that is, "Under special circumstances, it is confirmed that the amount of credit card debt exceeds the cardholder's repayment. If the cardholder has the ability to pay and the cardholder still has the willingness to repay, the issuing bank can negotiate with the cardholder on an equal footing to reach a personalized installment agreement. The maximum period of a personalized installment agreement shall not exceed 5 years." Reached an agreement. After that, the bank will not collect or sue, unless the cardholder is overdue again.

　　A staff member of the credit card center of a joint-stock bank revealed that, whether it is an intermediary who is going to battle in person or conducting off-site guidance, they generally do their homework in three areas.

The first step is to "pretend to be pitiful", telling you about major changes such as unemployment, illness, and car accident, and usually provide various proofs.

The second step is to prove the current income situation to the bank, expressing that they are willing to repay on time within the scope of their ability, and some will write a letter of commitment to indicate their determination; the third step, if they feel that the bank is not very good at talking, they will accuse the bank's customer service or There was a problem with the collection, and he threatened to immediately complain to the local supervisory authority.

　　RAM

　　Personalized installment agreement

　　The maximum period shall not exceed 5 years

　　Article 70 of the “Measures for the Supervision and Administration of Credit Card Business of Commercial Banks” implemented in January 2011 stipulates that “under special circumstances, it is confirmed that the amount of credit card debt exceeds the cardholder’s ability to repay, and the cardholder is still willing to repay , The issuing bank can negotiate with the cardholder on an equal footing to reach a personalized installment agreement. The maximum period of a personalized installment agreement shall not exceed 5 years.” After the agreement is reached, the bank will not collect or sue, unless the card holder People are overdue again.

　　Lawyer reminded

　　"Gray Area" Risks Many Cardholders Don't Have A Lucky Psychology

　　It is understood that the current intermediaries engaged in credit card "debt restructuring" business are mainly two types of people: one is lawyers, and the other is people who originally engaged in collection.

Is it illegal for them to "make suggestions" for overdue cardholders?

　　Attorney Xu Guilin, a partner of Beijing Times Jiuhe Law Firm, believes that relevant intermediaries should now be considered to be wandering in a "grey area", and the law does not expressly prohibit such businesses.

However, for cardholders, one must beware of the risks.

　　Xu Guilin pointed out that some intermediaries swindled service fees and did not refund the money if they failed.

Some intermediaries will instigate cardholders to fabricate lies, encourage or even directly help cardholders to issue false certification materials.

For example, fake poverty certificates, hospitalization certificates, etc.

This behavior has actually constituted fraud.

Once verified, the borrower not only has to bear the relevant legal responsibilities, but the high intermediary fees that have been paid are also in vain.

Even if the bank fails to find out, the intermediary may use the fraudulent "handle" to blackmail the cardholder.

　　In addition, these intermediaries have obtained a large amount of personal privacy information of cardholders during the service process. If they use it illegally, it may cause greater losses to cardholders.

　　Xu Guilin reminded overdue cardholders to be cautious about these "debt restructuring" intermediaries, don't take chances, and don't bring more risks because of small profits.

　　It is understood that the Guangdong Banking and Insurance Regulatory Bureau issued a risk warning in September last year, stating that illegal scams and behaviors such as "disposing of debts", "delayed repayments", "reduction of overdue interest fees" and other illegal scams and behaviors themselves have no effect on debt settlement, but rather have a great It may cause serious harm and loss to consumers’ personal credit investigation and economic property. Consumers should not listen to the propaganda of "debt disposal by agent", so as not to cause greater losses.

　　expert's point

　　"Anti-collection" alliance disrupts financial order

　　"Repayment of debts is justified. These intermediaries are now pushing overdue cardholders to find ways to repay their debts. I think they have undermined the social integrity system and corrupted the social atmosphere." Senior credit card research expert Dong Zheng said.

　　"They are actually exploiting the loopholes in laws and regulations to make use of cardholders' weaknesses to make money with asymmetric information." Dong Zheng pointed out that if cardholders have always had a good repayment record because of temporary difficulties in special circumstances, they can do it themselves. Negotiate with the bank and proceed normally.

However, a considerable number of cardholders have no plans when applying for a card, and use the card as they like. They are really out of money to repay their debts. They don't want to earn money to repay their debts, but they look for "magic methods" everywhere.

These intermediaries just cater to this part of the demand.

　　"The money owed to the bank should be repaid on time. After these people intervened, the creditor became a disadvantaged group. How to repay the money has to listen to the debt. I don't think society should be in this way." Dong Zheng said.

　　Su Xiaorui, a senior researcher at the Sack Research Institute, analyzed that the industries related to overdue negotiations need to be put into a larger framework, that is, the "anti-collection alliance", a black and gray industrial chain, although there is market demand, the anti-collection alliance It does not exist that is reasonable.

At present, the content of its tutorials is diverse, including overdue credit card negotiations, and deliberate instigation of debt evasion. Regardless of the form, it affects the healthy operation of the financial business and is a cancer that disrupts the order of the industry and hinders the development of the industry. ".

She believes that the relevant departments should take action against the "anti-collection alliance" and apply patches at the policy level in a timely manner to prevent debt evaders from taking advantage of the loopholes and fostering bad social trends.

　　Some people in the industry have also suggested that banks may consider providing qualified cardholders with personalized installment normal application channels to avoid gray intermediaries from disrupting the market and interfering with normal bank operations.

　　This group of articles / our reporter Cheng Jie