Business of town of cloth of examine of Wu Lan of Nei Monggol Autonomous Region Mr Wu installed the county freely in October 2017 " cocoa happy travel " the car carries flat, by the contract the agreement is gone to every months bind calm bank card to put 497 yuan, the bank is deducted 20 days every months, bind the card that decide oil 19 days every months to put 500 yuan to consumer. Get stuck besides oil, consumer installs this equipment to still include a car to carry 5 years of WIFI privilege, beautiful to know accident responsibility the respect such as light qualitative insurance is favourable.
Began this year in Feburary, chinese quality gets customer 10 thousand lis in succession all right about " cocoa happy travel does not return oil " complain. Data shows, up to now, complain " cocoa happy travel does not return oil " consumptive case, spending of 10 thousand lis of travel complains Chinese quality platform received 110, these consumer majority were August-September 2017 this product that the portion does not have quite, in return after returning 5 months oil to get stuck, cocoa happy travel began a constitution to return oil in January from this year. Consumer was immersed in condition of be in a dilemma at this point: If not to " advance merchant banking " reimbursement, hurt the record that sign a letter, if reimbursement, the other side returns oil affirmatorily at the outset and did not cash.
APP of cocoa happy travel has clew early
Public data shows, cocoa happy travel is by cocoa home in (Beijing) IT limited company is own the system of entertainment of intelligence of car couplet net of research and development, happy drive a vehicle of APP of happy by cocoa travel and cocoa carries intelligent PAD to comprise, the mobile Internet of next popularity when this one car carries flat to use and technology of car couplet net, carry intelligent PAD through mobile phone APP and car creation is brand-new give an experience. The company registers information to show, in cocoa home (Beijing) IT limited company held water in July 2015, register the ground to be hill of Beijing stone scene.
Began in Feburary 2018, consumer is received " cocoa happy travel " the announcement that APP sends says, "Cocoa happy travel " for shortage of gold of as a way of, oily card puts money cannot seasonable transfer, offerred two equipment to choose plan: Plan 1: ? Mu of leisurely closely question washs Ju of a pavilion or house on a terrace of sulphur of litter of Lu of type of of Ze of warbler of of pacify of of mildew stopping calls of of Γ palm of Scandium of appropriate of Li of Qu of Fu of appropriate of cleanse of Mu of Nai of colour You Xing know well osmund plan of 3 Zhi Huai? 2, this company offers a value 5999 yuan porpoise amusement car holds recreational terminal unit, strong reach odd reimbursement amount, it is with standard amount consult, undertake the processing of filling balance or delay oily money. In the meantime, announcement acceptance, every delay a month returns returned foundation to go up in normal oil money, every months additional the oily cost that raises 10 yuan.
But be in next in time of a few months, the consumer that receives reimbursement information still needs to go to bind calm bank card to put money, be regarded as exceed the time limit otherwise, influence be announcemented signs a letter. This ability discovers some consumer, this company takes consumer information to borrow money to advance merchant bank, pass later " cocoa happy travel " take loan to return oil to consumer.
Choice instalment wants discretion
In last few years, the operator of all trades and professions all has roll out instalment to consume business, the instalment that rent a house, groom attend class instalment, travel even fitness can instalment. Because specified amount of lunar Fu Jin is small, partook consumer is one-time pay difficult problem, consumption involves an area wide. A few consumer fell into the trap of undesirable businessman, groom the orgnaization runs break one's promise of road, intermediary, travel agent swings the circumstance such as sheet to also have more happen.
A lot of consumer were used because of muddleheaded be borrowed in installment and offend on troublesome, even by kite. Consumer is in cannot enjoy bought service while, still need to pay off loan, the suffering in falling into each decoy can'ts bear character.
Face the fraud that encounters likely, chinese quality warns customer 10 thousand lis here all right:
The first, want vigilant instalment to consume;
The 2nd, when consumer is rigid demand certainly, want to understand the detail that instalment place involves and content adequately, attentive read contract content to reach accrual in installment especially, cannot listen to the demit of the one side of business personnel only absolutely, final thought authority is accurate; with the contract
The 3rd, the attention asks for normal bill and formal treaty wording, and on schedule reimbursement, exceed the time limit still will not bear interest of loan of a huge sum, the loss outweights the gain.
Additional, normal loan orgnaization does business to make public commonly place, have open connection means and the procedures such as business charter, still need relevant procedure when having credit, for instance identification, job proves to wait for financial standing, and because do not have pawn, because this is general,loan specified amount is spent very won't tall.
The most important is, bank, normal finance company won't ask borrower is in explain the fee such as poundage or accrual pays before borrowing. If encounter businessman occurrence ill will to coil,the money runnings the circumstance such as the road, answer to report a case to the security authorities in time.
