How to negotiate deferred repayment with Alipay Huabei Borrower

It is possible to negotiate a deferred repayment for Alipay Huabei and Borrow. The specific steps are as follows: proactively contact the official customer service to express financial difficulties before the collection call; provide proof of difficulty after receiving the collection call; contact the manual customer service to apply for an extension; make it clear Extend the period; sign a deferred repayment agreement.

How to negotiate Alipay Huabei and Borrowebei deferred repayments

Step one: collection call Actively communicate before receiving a collection call

Before receiving a collection call, proactively contact Alipay’s official customer service or collection staff to express your willingness to repay. Explain the current economic difficulties or other special circumstances and strive for customer service's understanding.

Second: Provide proof of difficulty (after collection call)

After receiving the collection call, proactively provide proof of difficulty as soon as possible, such as unemployment certificate, hospital medical records, income Proof etc. This evidence will help Alipay understand your actual situation and make a decision to defer repayment.

Third: Contact manual customer service

Contact manual customer service through Alipay’s official customer service hotline or WeChat official account. Explain your situation and request a negotiated extension of repayment. Customer service will review your application.

Fourth: Clarify the deferred repayment period

The negotiated deferred repayment period needs to be determined based on your actual situation. Under normal circumstances, Alipay will give you an appropriate extension period, up to one year, based on your repayment ability and difficulty.

Fifth: Sign a deferred repayment agreement

If the negotiation is successful, Alipay will sign a deferred repayment agreement with you. The agreement will specify the extended repayment period, repayment amount, repayment method and other details.

Notes:

• Sincere attitude: When negotiating for an extension of repayment, your attitude must be sincere and you must take the initiative to explain the difficult situation.
• Actively cooperate: Provide necessary proof of difficulty and cooperate with Alipay’s review and investigation.
• Don’t lose contact: Keep in touch with customer service during the negotiation and provide timely feedback.
• Repay on time: During the deferred repayment period, the amount agreed in the agreement must be repaid on time.

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