How to negotiate if Alipay loan is overdue and unable to repay

If you are unable to repay the Alipay loan after the due date, you can negotiate through the following methods: contact customer service to explain the situation and apply for negotiated repayment. Provide documents such as income certificate, unemployment certificate or serious illness certificate. Clarify the willingness to repay, actively cooperate with the negotiation plan, and strive for a reasonable repayment plan. After successful negotiation, repay the loan in strict accordance with the plan to avoid delays and overdue payments again.

How to negotiate if Alipay borrows money that is overdue and unable to repay it

Direct communication:

• Contact customer service: Call Alipay customer service hotline 95188, explain the situation, and apply for negotiated repayment.
• Online customer service: Communicate with online customer service in Alipay APP to express difficulties and seek repayment solutions.

Take the initiative to propose a plan:

• Extend the repayment period: Propose to Alipay to extend the repayment period to ease the repayment pressure.
• Instalment repayment: Apply to repay the debt in installments to reduce the monthly repayment burden.
• Interest reduction: Explain the financial difficulties and request Alipay to waive the overdue interest.

Provide supporting materials:

• Proof of income: Provide proof of income to show that you are indeed unable to repay.
• Unemployment certificate: If you are unemployed, provide a separation certificate or unemployment certificate.
• Certificate of serious illness: If you are unable to work due to serious illness, provide a hospital certificate.

Negotiation process:

• Clearly express your willingness to repay, and actively cooperate with Alipay’s negotiation plan.
• Provide sufficient supporting materials to support the negotiation application.
• Patiently communicate with Alipay and strive to reach a reasonable repayment plan.

Notes:

• During the negotiation process, stay honest and proactive, and avoid concealing or exaggerating facts.
• Repay in time to avoid delays that may affect your personal credit.
• After successful negotiation, strictly follow the repayment plan to avoid overdue payment again.

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