[其他] 有關銀行還款協商
事實經過:
此為小妹大學助學貸款的問題。
小妹畢業已經5年,畢業第二年開始要還助學貸款時,因為工作不穩定,
家人便主動開口說要幫我按月繳學貸金額,但繳了兩期便未再繳納
(因為家裡經濟也不穩定),
一直到銀行電話通知我本人,那時剛好工作也漸穩定,才由我接手繳納,
但之中已有近兩年未繳納了。
後來我按時繳納了兩年未曾中斷,一直到3個月前,心血來潮想說去辦個信用卡,
資格審查卻未通過,於是去申請聯徵信用,才發現在我都有按時繳納後的滿一年,
銀行將我學貸欠款轉為呆帳。
後來我與家人開始與銀行協商清償,希望能談到低折數,
一來因為家裡環境真的沒有很好,二來也很生氣銀行莫名將我轉為呆帳。
但銀行始終不肯放軟態度,也不肯為"呆帳"一事做解釋與道歉,
只是抓緊了我跟家人(我家目前只有我跟我媽有工作)有工作這一點,
要我們分期攤還這些金額(當然是有加利息跟違約金的高金額),
甚至還叫我家人去借錢來還,還說要扣薪。
跟銀行談到目前為止已經快3個月,我們提出的方案都被銀行一一駁回,開始協商到現在
我都沒有再還款了(因為家人說已經在協商了叫我先停止還款繳費),
但卻被銀行說我已經有3期未繳款......
問題:
1.以目前情況,該如何才能跟銀行談到對我有利的低折扣呢?
2.在我都有都有按時繳錢未曾中斷的期間,銀行卻在未通知的情況下
將我轉為呆帳,這是合理的嗎?
謝謝!
先感謝各位幫 小弟/小妹 解惑或提出建議,如內容尚有不足,盼請提出需補充之處。
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