Henan: Industrial and Commercial Bank of Zheng Dong New District branch of the car loan to entrap consumer

Henan: Industrial and commercialBankZheng Dong New District branch of the car loan to entrap consumer

Recently, received consumer complaints in 2013 November Zhang, he buy a Pentium B50 car in Henan automobile sales company, because the funds, through the Henan Yu Kai Qimao Limited (hereinafter referred to as: Yu Kai Group) for the installment purchase a car business, but found that the Zhengzhou industrial and commercial bank and car loan company partnership hurt consumersTheThe startled day secret.

Zhang bought this car price is 84800 yuan, he Shoufu 30% to pay 25800 yuan, 59000 yuan balance by Yu Kai trade payment processing business. Yu Kai Trade for a car loan business for Zhang in the East is located in Zhengzhou City, CBD business West four Street Branch of the industrial and Commercial Bank of Zheng Dong new district.

Industrial and Commercial Bank of Zheng Dong New District branch by car loans to entrap consumer

Zhang in the period for a car loan, Yu Kai Qimao Zhang to provide identity cards, proof of income and many other materials, intermediate muddleheaded signed many times. And paid survey business card printing costs 400 yuan, insurance costs 7000 yuan, 1000 yuan fee, pad bearing company base costs 1500 yuan, 1500 yuan fee information, GPS costs 2600 yuan, 3000 yuan deposit, the renewal of registration fee of 1000 yuan,ServiceCosts 2500 yuan a total of 20500 yuan fee, but there are many charges have never even heard of it.

In order to car dream round, Zhang prior to pay a total of 46300 yuan, and the industrial and Commercial Bank of Zheng Dong New District Branch 59000 yuan loan.

January 20, 2014 night at about 8, a friend drove to work in Zhengzhou, finishing things out and found the car without, afterwards just know the car is Yu Kai Qimao "".

21, Yu Kai Qimao Wu manager told Zhang, because the car loan installment for more than 5 days not to pay, his car was seized of the firm, if you want to enter for the first 2 months, to pay 50000 yuan deposit and a fine of 15000 yuan to the car to go.

In order to return to the just opened a few days car, Zhang would like to once again through bank loans to solution as pressing danger, the bank personal credit situation, found her and did not apply for business loans, but more than three credit cards, and he never handled any credit card.

Personal credit report January 23, 2014 Zhang print display, three cards that are issued in November 25, 2013, two card is RMB account, a line of credit is only 1 yuan, another 65714 yuan credit line, by way of security for credit / unsecured, third card is a US dollar account, credit for the amount of 0 yuan. In 2013 November he was for a car loan business time.

Zhang said, reporting that obviously written, credit card 65714 yuan credit line, by way of security for credit / unsecured, what am I to car mortgage purchase a car or credit card consumer purchase a car?

Zhang was very angry and said, I felt myself into a consumer traps, at that time in the industrial and commercial banking business, Yu Kai TradeWorkResearchers say the card is to handle the repayment account, card set, then Yu Kai Qimao staff away, three cards that have not been in its own hands, who can think of Yu Kai Trade and the industrial and commercial bank in my work hand in glove with, I unknowingly dealt with so much credit card. If not to apply for loans, the secret of how he never know.

Yu Kai Qimao no explanation for consumer daily, why say good auto installment loans, and finally turned into a credit card loans? Why should consumers hidden handle credit card in a multitude of names? Charge fees on the basis of what? The end hidden behind what secret?

According to the investigation of Yu Kai trade business license scope does not include car stage car loan business, so the industrial and Commercial Bank of Zheng Dong New District Branch why automobile installment car loan business to Yu Kai Trade to do? Why credit card for a car loan customers without the knowledge of the industrial and Commercial Bank of China? Should bear what responsibility?

Industrial and Commercial Bank of Zheng Dong New District Branch competent president, President of the above problems avoided, stressed the company signed with many car loan agreement, ICBC only charge interest and principal, other expenses (Note: business card printing fees, interest charges, insurance fee, pad, investigation fee, fee of GPS, renewal deposit, licensing fees, service charges) are not charged, is a car loan company. However, Yu Kai Trade for Zheng Dong branch statement did not give approval.

"The commercial bank credit card business supervision and management measures" thirty-eighth stipulates clearly, the card issuing bank shall be open to the public, clearly inform the application materials and the basic requirements for applicants are required to submit the application materials, must be signed by the applicant personally, and shall not violate the wishes of customers in customer knowledge or circumstances hairpin.

The provisions of article seventy-first, the issuing bank will not receive credit card marketing, contract (agreement) signed a contract, credit approval, authorization of transactions, transaction monitoring, capital settlement and other core business outsourcing to issuing business services.

In view of the above problems, the industrial and Commercial Bank of Zheng Dong New District Branch Di for long said, will arrange to give the reply, as of press time no reply, car loan mess still.

Source: daily consumption net Henan channel