Financial industry grows flourishingly, does new product emerge in endlessly -- -- , what is this? What can you buy? Be worth to buy? A lot of problem is perplexing financial consumer, they halloo cannot refrain fromingly " to me a pair a mind which perceives both past and future " ! Indeed, the world with the more complex numerous and complicated needs to promote differentiate and analyse force more. Be based on this, south financial institute is rolled out " financial safety aegis " column, aim to build to follow the platform that development of the expert inside financial orgnaization, superintendency branch and course of study learns for financial consumer. We will dispel doubt through analysing typical case, one asking and the other answering commentate a variety of forms such as be puzzled, aid you every time finance consumes vital energy of clear, clear, know how things stand and feel confident of handling them!
Because of cash reserve in a bank of a bank in installment business shifts to an earlier date the issue that reimbursement creates, mr Pan of Zhejiang peaceful wave produced bad record in the report that sign a letter, meet with when after this applies for a room to borrow refus.
To this, guangdong saves finance to consume rights and interests to protect federation to warn customer: When handling loan to the bank, must become an integrated knowledge to loan cost, include capital, accrual, poundage, penalty due to breach of contract to wait, computation gives integrated cost, decide to whether be chosen according to cost again. Once financial consumer affirms buy this product, answer to abide by an agreement in consuming a process, sincere letter consumes this since, also be to make sure oneself is good the requirement of the record that sign a letter.
Case: Cash in installment dispute produces the bad record that sign a letter
Xiang Na of the gentleman that occupy Pan the reporter is told about, he accepts phone of customer service of credit card of wide hair bank to invite, in December 2014 application dealt with brushstroke business of gold of 132 thousand yuan of money wisdom. According to the agreement, mr Pan needs 3 years to pay off total capital in installment, and terminally gives pay poundage. In May 2015, mr Pan asks to end agreement ahead of schedule and will surplus capital and deal with formalities that month
Cost stocks reimbursement account. The bank is delimiting after money, ask its continue to acquittance the poundage that the rest period counts is close 30 thousand yuan. But Mr Pan rejects to implement proposal of this one party and continue no longer reimbursement, this one behavior is recorded to be credit card exceed the time limit subsequently.
Via checking, wide hair bank expresses, although Mr Pan ever went to Guangzhou 2018 the problem to lodge a complaint such as the closes poundage of compasses sex, bank cost rate with respect to business of money wisdom gold, but the legal professional work that because business of money wisdom gold is,puts on record through superintending, ahead of schedule reimbursement plan already was invited in the phone of the bank in making an appointment with, had undertaken demonstrative, so the lawsuit of Mr Pan asks out of court at that time, 2 adjudgement maintain original judgement definitely.
Mr Pan Xiang Na the reporter expresses, he thinks poundage collection means and cost rate are unreasonable. But make him more afflictive, because,be of credit card exceed the time limit sign a letter bad record, make he shifts failure in room of the application at the beginning of 2016. Although pass this one bad record after talking things over with the bank already expunction, but he still prepares to be in indrawn first half of the year this year Guangdong to save to lodge a complaint of senior people court, requirement bank recoups a loss.
Clew: Think the record that sign a letter has by accident but demur
Current, ask for the letter influence in the society bigger and bigger. "Mother-in-law carries husband to want Cha Zhengxin to report " although be become to do Duan Zi more, but borrow besides the room, the car is borrowed outside waiting for credit respect, unit of choose and employ persons includes thinking case the case signing a letter of employee increasing already see.
So, when finance is consumed, how should assure the record signing a letter with good oneself? After letter of discovery ask forring records damage, should manage like where?
To this, chief points out related federation of protection of rights and interests of consumption of Guangdong province finance, the credit product that the bank offers, if product agreement has the relevant format provision that sets consumer obligation, especially " still borrow ahead of schedule need to pay total poundage " the regulation that waits for may aggravating load of customers, the bank must be fulfilled inform responsibility, tell customer thoroughly, ensure consumer can understand and give to oneself obligation affirm. In bank loan business, the poundage that financial customer pays a bank should count interest, should abide by the national relevant regulation about interest rate, namely highest must not exceed a bank of congener loan interest rate fourfold, exceed this limit, the interest that exceeds a share does not grant to protect.
In afore-mentioned case, bad record appeared in the report signing a letter of Mr Pan. Current and undesirable credit asks for letter record to save 5 years lawfully commonly, if consumer thinks the record that sign a letter has by accident, can demur.
Guangdong saves finance to consume rights and interests to protect federation to still express, if financial consumer thinks in consuming a process him rights and interests is damaged, ought to take proper way dimension advantageous position, if be complained to relevant orgnaization, negotiate the way such as mediation, to lodge a complaint.
Interview and write: South reporter Li Qun
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