After from engine leakage oil seeks carry out, do not have fruit, to ineffable and the finance that come serves cost, as " Xi'an runs quickly woman's bicycle advocate thought fors the time being " of incident upgrade ceaselessly, the random elephant that sells a field about the car causes social heat to discuss. In the car this one " national class " in the buying and selling of consumer goods, still hide after all be bored with of how many cat?
1
Buy a car to become rent a car? Some pays service fee even
October 2018, consumer Guangzhou Mr Liu specialized in inn to book a car with the means of instalment in brand car, paid early or late deposit and head pay, signed the formal contract that buy a car.
But subsequently, mr Liu is asked to sign a car to rent a contract. After seeing the contract that rent Mr Liu very feel puzzled, it is to buy a car obviously, how to become rent a car. Mr Liu thinks the contract that rent nots agree with with the initiative contract that buy a car, requirement businessman go back is all money, but businessman with Mr Liu cannot refusing for refund. Subsequently Mr Liu appeals to save consumer committee to Guangdong.
After the Consumer's Committee intervenes, this car specializes in inn explanation to say, the contract that rent is to handle the contract that borrows money in installment, because the condition signing a letter of Mr Liu cannot deal with a bank to mortgage, can handle loan in order to rent the form of the contract through financial orgnaization only. The Consumer's Committee thinks, the businessman is concealed intentionally " buy on sb's behalf in order to hire " instalment mode, the know the inside story that encroached consumer counterpoises.
Ms. Zhang of Fosan also has encountered troublesome trouble in the process that buy a car. She is in Fosan company of some car sale is mortgaged after buying a car, be in should besides pay cost, return pay 5000 yuan of right-and-left finance serve cost, "Saying is finance relevant charge, the bank receives think. " however, before long hind Ms. Zhang is informed a bank not collection this charge.
Him feeling was cheated by car sale company, ms. Zhang begs to this company a view, the salesperson calls this pen charge however is the car shifts service cost actually, it is the service fee that the car markets a company to deal with the generation in loan process for Ms. Zhang. Ms. Zhang expresses to this view dissatisfactory, think the car sells a company the purpose that intended and delusive consumer collects fees more with achieving. Legal expert thinks, this car sold a company to encroach the authority of know the inside story of consumer, own option, consumer has power position to return still already the unreasonable charge of collection.
Complain about what the car consumes in recent years grow considerably, guangdong province Consumer's Committee releases " consumption of 2018 year Guangdong complains an analysis to report " show, the car was consumed 2018 kind complain 24788, grow 86.38 ％ compared to the same period, main problem is car after service, contract, quality, specific include nonperformance " 3 packets " problem of the acceptance after compulsory, nonperformance makes work, same quality is maintained for many times etc.
2
Car finance consumes the market a few big " trick "
The reporter investigates discovery, car finance consumes a problem to basically center in the following respects:
-- guide instalment, hide rear other collect fees. The reporter seeks advice from Guangzhou city Huang Bu district for the name with buying a car inn of a 4 S salesperson, counterjumper was revealed to the reporter " instalment privilege information " , still hint reporter, the instalment that chooses this store has more privilege, the word that does not mortgage is about to choose to buy adornment of a few cars, if stick mat of film, foot,wait.
Consumption of much exemple car complains a case to show, once consumer preference is other,the way borrows money, cannot enjoy privilege, some businessmen are intended and protracted the loan program that perhaps rejects to be consumer directly offers car relevant data.
Counterjumper still gives a reporter cipher out with the calculator head pay money, 36 period in installment the service fee of 2 ％ of price of charge, car, enquire when the reporter " the service is expended " collect fees cause and collect fees when whereaboutldirection, what the salesperson accuses is the charge that 4S inn sponsors manage loan procedures for the car.
Hunan merchant of inn of 4S of a car says frankly, "Competition is big now, the price is transparent, the price of the car may not make money deficient even money. A lot of moment we are low grabs a customer with the person of the same trade, earn from inside fee of poundage, service again come back. Earn from inside fee of poundage, service again come back..
-- buy compulsively protect add. Partial businessman enforces not only consumer buys add of safe, pay to protect deposit, still ask consumer is mortgaged during still be being borrowed, must protect every year in the add inside inn, otherwise cash pledge does not grant to return.
Hunan Changsha car advocate thank a gentleman to buy run quickly be bought to be sure by the requirement when the car, "Do not buy insurance not to let shift a car. " include to hand in strong danger and commerce to be sure inside, thank a gentleman in all pay 14 thousand yuan insurance premium. The personage inside course of study discloses, the car specializes in inn to be able to return profit from inside 10 thousand multivariate commerce insurance premium 40 ％ above.
-- promiscuous finance concept. Partial businessman uses consumer to calculate those who wait for knowledge to not be familiar with to financial major term, interest rate, change the concept of accrual and poundage secretly, method of calculation of promiscuous interest rate. In addition, "0 pay " " low head pay " wait for stunt to be inside car sale trade common, the personage inside course of study expresses, this is the product that firm of tripartite banking promotes actually, often poundage interest is tall, high, some collects money illegally platform, pass sell a gang to lend this accumulate wealth by unfair means even.
2017, xiaoli of Sichuan Chengdu youth sells a company in some car with " 0 pay " means purchased a value 200 thousand yuan car. In fact, so called " 0 pay " it is instalment, premise condition is consumer needs to be in " Yun Lianhui " the store puts brushstroke money to serve as capital. The businessman alleges, platform can give a car everyday advocate return capital extremely, carry every months can support the fund that buckles the instalment that buy a car now, wait for a car to borrow still be over, capital or oneself.
In May 2018, guangzhou police begins operation controlling a network, destroy " Yun Lianhui " especially big network is passed sell guilty gang, xiaoli not only the car is borrowed still not was over, put the capital that go in also " hit water to float " .
3
Purify a car to consume market demand immediate attention
Courtyard of law of Chinese people university teachs Liu Jun sea to think, the car specializes in inn when offerring finance to serve for consumer, the right of know the inside story that needs to value customer adequately, own option, fairness trades authority. If conceal the fact, rights and interests that does not value customer, unidentified assure to know, for collection the service expends misdirect consumer, serious person be suspected of con.
Senior partner Zhu Shaobo reminds office of Jin Lun's attorney of counsel of Guangdong province Consumer's Committee, Guangdong consumer, want reason to treat a businessman so called " privilege " conduct propaganda, as far as possible much way seeks advice from loan product, mix to interest rate especially the computational method of poundage, want to calculate Zhang carefully.
In addition, the expert reminds, if consumer decides the finance that accepts a businessman serves, want to sign standard written contract, both sides decides as verbal perhaps as the important information related financial service commitment wants to be made clear in detail on the contract, note the significant evidence such as keep contract, recording, video.
Finally, liu Jun sea suggests, to the car advocate the car of general report sells an issue, concerned branch should undertake inside countrywide limits the platoon is checked helping net style, in sale of thoroughly cleared car " go regular " .
