This article comes from WeChat public account: Interface News (ID: wowjiemian) , author: Zhang Xiaoqi, head Figure from: vision China
Deferred repayments, interest reductions, interest-free suspension of accounts … After the New Crown Outbreak, the credit card negotiations that flooded the sky required commercial banks to be caught off guard.
Debtors often obtain “proactive power” in negotiations by complaining to regulatory authorities and third-party websites. A person familiar with the supervision system revealed to the interface reporter that about 20% to 30% of the complaint cases dealt with before the epidemic related to credit card negotiations, and this proportion rose suddenly to 70% to 80% after the outbreak.
What makes the credit card practitioners have a headache is that a strong negotiation demand has also spawned a gray industrial chain, and the intermediary group behind the stealth has gradually surfaced. Interface News learned in an unannounced interview that many negotiating agencies were under the banner of “reorganization of personal debts” and charged high transaction fees, but in fact they did the anti-collection actions of writing complaints in batches.
Credit card negotiation is a complicated chain. Debtors and commercial banks are fighting each other based on their respective positions. The emergence of gray intermediaries makes this chain collapse even tighter.
Credit card negotiation requirements are skyrocketing
The so-called credit card negotiation means that the debtor negotiates with the bank for personalized repayment plans such as interest reduction and exemption, interest-free suspension and post-payment after the credit card is overdue. In practice, complaints are mostly used in this type of negotiation. Debtors tend to file complaints with regulatory authorities and third-party websites to obtain the “active power” for negotiation.
In recent years, with the overall decline in the quality of credit card assets and the increase in the number of overdue customers, such negotiations have begun to emerge. The new crown epidemic since the beginning of the year has exacerbated this trend.
A person familiar with the supervision system told the new interfaceAccording to reports from reporters, about 20% to 30% of the complaint cases he handled before the epidemic related to credit card negotiations. After the epidemic, the proportion suddenly increased to 70% to 80%. After the Spring Festival, his supervisory department also collected local branches of various banks. Credit card negotiation phone.
The vast majority of debtors want to obtain the results of the interest-free instalment negotiations.
“Usually call or send a letter to tell you that you have lost your ability to repay due to the epidemic. The bank refuses to reduce interest or installment, or even adopt unreasonable collection methods. I hope we can talk to the bank to help them achieve the purpose of negotiation. The source revealed.
There are two main reasons for spawning a large number of negotiation demands. First, the epidemic has a significant impact on the industry (catering, entertainment, offline retail, etc.) Many customers have reduced their income and fluctuated their repayment ability. Second, the credit card “black production” countered the epidemic situation. After learning about the relevant epidemic policy of the bank, some customers maliciously defaulted on the credit card and hoped to receive preferential interest relief.
The headache for credit card practitioners is that there is also a gray industrial chain, and the intermediary groups behind the stealth gradually surfaced.
A person from the credit card center of a listed stock company told the interface news that when his bank sorted out the complaint letters, he found that many of the complaint letters were located in different provinces in the billing place of the customer, but they were sent to the place where the complaint letter was sent and the postmark of the post office. Are consistent. The content and style of writing in the complaint letter are similar, even the typos are the same. Some of the complaint letters are exactly the same, except that the customer’s name and ID number are changed.
“We suspect that there is an intermediary agent credit card complaint of this kind of gray business.” The person judged.
Another person in the credit center of another stock bank was more certain about this conclusion. The bank had received threatening calls from agencies. He told the interface news reporter that his bank learned that the client entrusted the intermediary to negotiate repayment matters through communication and verification with the client. The legal representative of one of the intermediaries also took the initiative to contact the bank, claiming that there are still 11 customers who continue to send complaints to the supervision, coercing the bank to give the best repayment plan.
“We later checked and found that there were about 35 complaints transferred by the Guangdong Banking and Insurance Regulatory Bureau and handled by this agency. The legal representative of this agency said that if the bank grants preferential repayment plans, it can be suspended Complaint to the Guangdong Banking and Insurance Regulatory Bureau. “The person said.
What worries the bank is that the influx of third parties seriously affects the normal development of the negotiation work and squeezes out the real delayReasonable customer demand.
In February this year, the Central Bank and other five ministries and commissions jointly issued a document requesting that hospitalized or quarantined persons infected with new pneumonia, epidemic prevention and control need to isolate observers, staff participating in epidemic prevention and control, and people temporarily losing their income sources due to the epidemic Therefore, financial institutions should give appropriate credit to credit policies, reasonably postpone the repayment period, and grant credit for credit.
Many bankers told the interface news that the policy starting point is good, but there are difficulties in implementation, because it is not easy to determine which groups of people can be included in the scope of grace.
“The identities of frontline prevention and control personnel and patients are relatively easy to identify, but customers who are ‘temporarily lost their source of income due to the epidemic’ are difficult to identify and still lack effective identification methods,” a banker explained.
The influx of negotiation agents makes identification more difficult. According to the credit card center of the above-mentioned stock bank, the regulatory channel template complaints received by the bank in the first quarter of this year accounted for about 80% of the amount of complaints, which caused great troubles for the bank’s daily handling of negotiated repayments.
Intermediaries charge 5% ~ 10% of the bill amount
“I know a lot, just believe me!” 23-year-old Lin Sheng often hangs this sentence on his mouth and eats a “heart-pill” for those who consult him.
Since February this year, Lin Sheng, who has worked on loan collection, changed his identity and started an individual negotiation agency to help overdue people negotiate with the lending platform and charge about 10% of the fee. This is also his current The only source of income.
Third parties that provide credit card negotiation services include individuals or institutions. They often hang out on social media such as Tieba, Weibo, Douyin, etc., send private messages to overdue people who post for help due to anxiety or fear, or leave comments under the post Ability to provide negotiation services.
Credit card negotiation intermediarySmall advertisements distributed in various channels
“You give me the basic information, I will write the content of the complaint, and then upload it to the monitoring platform or the complaint website. After the platform is reviewed, the agency will definitely come to contact you, and I will teach you how to talk.” In the process of communicating with him as a debtor, he bluntly stated that it was through a “specific” complaint that forced online loan platforms or banks to agree to negotiate a plan.
Lin Sheng had successfully “going ashore” through complaint negotiation. Earlier, he was collected by the online loan platform, “exploded” an address book, and he went to the website to complain about the online loan company. The other party immediately stopped the collection and did not spend a penny to quell the matter, so he realized it. It’s time to make money.
Lin Sheng revealed that he is “single-handed” to help others complain and negotiate, this process requires learning and groping. His method is to make complaints on different platforms, observe the negotiation success rate data, and get the most effective complaint channel for different institutions. Prior to the frequent posting of complaints on the complaint website, it was also blacked out by the platform.
“Complaining about an online loan, you may be useful in gathering complaints, but it will not work on other platforms. I know how to write the most effective, and how to talk to the collection later.” He introduced to the interface news.
Unlike personal intermediaries such as Lin Sheng directly point out that the negotiation goals are reached through complaint methods. Most agency intermediaries are unclear about the negotiation methods used. They emphasize more on their professional debt consulting and management, and have specialized legal personnel.
An agency intermediary told the interface reporter that after the customer provided the materials, the company will hand over to the legal staff for negotiation. The customer needs to wait for the bank to negotiate a phone call and the two parties confirm the instalment plan. Negotiation generally takes one to two weeks. The first week can stop the collection and rolling of interest penalty, and then carry out interest-free instalment repayment according to the total amount.
“We accept orders nationwide, and domestic banks can negotiate. Charge 10% of the entrusted bill amount and a 500 yuan material fee as a fee, as long as the cardholder is not sued, the negotiation can be successful, unsuccessful Full commission refund. “The agent said.
Another agency told reporters that its company specializes in debt and debt management, and provides services for debtors to lengthen the repayment period, prevent collection of harassment, cut interest and late fees, and reduce criminal and civil risks. In terms of charges, if the bill amount is less than 200,000 yuan, all will be charged 10,000 yuan; if it is more than 200,000 yuan, five points will be charged.
The intermediary told reporters that they have an important advantage that similar institutions in the market do not have is that their debt consultant teachers are not only professional legal persons, but also have the opportunity to successfully “go ashore” through negotiation after debt.
As for the specific method used to achieve the purpose of the consultation, he did not reply to the reporter positively, only saying “there are expert teachers specializing in handling credit card debts, and lawyers are all listening to the teacher. Not a bank lawyer letter, there are special ways to go Negotiation, but if there is a prosecution, you can respond to the complaint and increase the judgment time. “
“Personal debt restructuring” under the gorgeous coat
However, the “debt consultation and management” in the negotiation intermediary is an obvious anti-collection behavior in the eyes of bankers.
Relevant persons in a credit card center of a joint stock bank told the interface news reporter that most of the negotiation cases handled by the post-loan department took the path of complaint and negotiation, and rarely dealt with them by sending lawyer letters. Another stock