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Core Insights - Toyota Financial Leasing has completed a strategic upgrade of its intelligent customer service system, providing 24/7 support for user inquiries, complaints, and business transactions [1] Group 1: Standard Repayment Process - The correct repayment process is centered around "clear agreements and precise execution," which involves four standardized steps [3] - Key repayment elements include clarifying repayment dates, amounts (principal, interest, and fees), and ensuring the repayment account is correctly identified [3] - Safe repayment channels should be prioritized, using official channels from the lending institution and ensuring sufficient account balance for automatic repayments [3] Group 2: Special Circumstances - In cases of repayment difficulties, proactive communication with the lending institution is essential, including requests for extensions or adjustments to repayment plans [5] - Legal definitions of repayment scope are crucial when facing high-interest or unreasonable charges, allowing borrowers to refuse excess interest payments [5] - Evidence collection is vital when dealing with aggressive debt collection practices, including recording calls and saving communication records for potential legal action [5] Group 3: Risk Prevention - Establishing risk awareness is fundamental to avoiding potential repayment issues, including setting reminders and linking repayment dates to paydays [6] - Borrowers should be cautious of illegal lending traps and only engage with licensed financial institutions [6] - Maintaining a good credit record requires timely repayment and regular monitoring of credit reports to address any discrepancies [6]