■ lawyers said the legitimate credit enterprises shall comply with the relevant regulations and standards of lending, and should be legitimate Dunning; young people should understand terms before signing

Shenzhen News NetworkDispatchRecently, the reporter received a number of young people seeking information: they are ordinary wage earners, claiming to be the genuine goods at a fair price "proletariat"; today, they owed a debt buttocks, "compound interest" don't play, the feeling is out of the "big ears". The so-called "big ears", is commonly known as the usurer. Of course, this is not a gangster movie the usurer, but "staging monthly" Guarantee Corporation to buy goods. What the hell is going on? Reporters line launched a series of investigations.

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Buy a mobile phone owed twenty thousand yuan?

The first reporter to help is a work in Shenzhen Jiangxi young Ronaldinho, he said he was "usury" threat, worry. A 20-year-old youth work are made "big ears", and how were they after debt?

In mid June last year, when working in the Baoan City District 25 (Ronaldinho to entrepreneurial road near) walk street shopping, accidentally walked into a Xieheng mobile phone shop. Just have a look, not to mind, can be looked at by sales staff said heart. He spotted a Nokia N81 mobile phone, in accordance with the income level at that time, is really difficult to buy a 3680 yuan mobile phone. At this time, the clerk to provide a "solution to him".

According to his memories, the clerk said at that time did not pay cash never mind, may apply to the company for "Jie * stage, as long as pay a monthly" interest on it; if the information is available, or even "zero Shoufu" purchase, not a penny to can make "good machine" first use, after the monthly pay back the money. As for the need to submit the "data", is even more unusual is simple -- only need the ID card and card. "When they say no, a hot buy!"

"I borrowed the total is 5279 yuan, but also more than 9000 yuan." Ronaldinho "reimbursement" first let reporters also feel confused -- mobile phone not 3680 yuan? Originally, he was also confused "buy" a price of 1599 yuan of A908 mobile phone. "I was deceived by them, to help others to 'buy' a." Confused Ronaldinho has not even understand what happened, "I signed with a N81. Wait until the hair (bill) to me, that has more than one." He told reporters, in joint lobby shop and Jie * employees, he not only for their own stage paid a mobile phone, also be rather baffling to use their own data "sent" to strangers in a mobile phone, and then became a Jie X company debtor. At present, he is also in a few period loans not repaid, is unable to pay. "I just owe thousands of dollars, half a year did not have, the other side is called interest plus fines owed twenty thousand yuan. I work in the first half of the outside, do not eat or drink may not be able to earn more than 20000!" In order to avoid debt, now he is back to the old home.

"There are a lot of people don't know what is going on, with the Czech * pull up, less Jie * money." He also invited reporters to enter a QQ group. Reporter discovery, the QQ group and a large number of claims to "anti Jie *" the netizen.

Source:Shenzhen News Net - Shenzhen Evening News  The editor:Xiaoyue

Dunning telephone said "don't also play dead you"?

Reporter interviews found, there are many similar Ronaldinho's young people are Jie *, debtors, and are faced with the inability to repay but was "compound interest" predicament.

Young RJ in Foshan, his last year in the local GOME stores to buy a HP notebook computer. "The price of 5800 yuan, down 1400 yuan, 562 yuan monthly, for 12 months period." He said that he was not too much computation, just out of the promoters of the trust contract. "The actual debt is 1200 yuan, now estimated to 'up' 1500 multivariate." Ajie told reporters, "I have two months without repayment, he sent two not also, their collection of people will make impertinent remarks. Last year in August I changed jobs, the career is not suitable, affect the repayment, (Czech X company) on several occasions to telephone harassment."

It is understood, then RJ also provides "company phone and home phone and a friend of the mobile phone number". Now, he is the most worry is received a telephone reminder. He recognized the "Qianzhaihuanqian" the truth, but he felt that "they tend to people in debt, dignity, and don't bother my family and friends." Ajie said, he always received threatening phone calls: "what don't also play dead you ah, what have you found good as threatening language. Have time on the phone from 8 a.m. to 10 p.m.. I'm their call screening now, if not shield, I couldn't live a normal life." He said, he each of the repayment period to pay will explain the reason, is not a deadbeat. He will not accept the payment mode is Jie * company. "They say always hit me on the phone down......"

Contradiction is another debtor Arlene and Jie *, be rather baffling: allegedly, Arlene "owe" a sum of money, but she never borrowed money to Jie *.

"Is my friend borrow my ID card! They had why not check out, blind lending?" Originally, Arlene unknowingly ID card to a friend, in her absence, the friend unexpectedly smoothly through the Czech X Company staging monthly review, buy an electronic products. "Owe several thousand dollars, I do not know the specific situation." At present, her friends have gone missing, Dunning telephone Jie X company is constantly harassed her normal life.

"I didn't manage it." Young Arlene did not realize the seriousness of the situation, "the last time they call my mom, said to owe 10000 multivariate. Anyway, I no matter, how they love." At present, she has been in the mobile phone number, simply ignored the matter. "In fact, Czech Republic * no matter what kind of means, the purpose is to recover the money." In this regard, she seemed to see very open, "I think there are more people without also. I even have the energy to them?"

Depth of investigation

"Staging monthly" has become

As everyone knows, "staging monthly" is in recent years gradually to a consumption mode of the consumer cognition, occurs in the credit card users. While similar to Ronaldinho such young migrant workers, but in the credit card is not obtained in the case of still get "ahead of the consumer" opportunity, and to provide this service is similar to the Czech Republic *, such personal credit mechanism.

In accordance with Ronaldinho and other "debtor" argument, Jie x is a big company, have cooperation with many appliances mall and communication mall, now people have become its customers. One part of "the debtor" think, the Shenzhen based credit institutions exist "cheat" and "harassment" of consumer suspicion, because the loan applications in the consumer, the company staff on the late fees, interest and other information not speak in detail; but if the consumer later payment or delayed payment, customer service personnel will be immediately we "harassment" and even "threat".

Last weekend, the reporters to the identity of consumers visited "debtor" reflects the relatively concentrated area of city businessman. Sure enough, "method of staging monthly" has been many young consumers to use here. Road to start a GOME stores notebook computer salesman told reporters, here no longer accept except bank credit card outside the "staging monthly". A salesperson mobile phone counter also affirmed that, they will no longer accept from the Czech Republic * company guarantee loan. In the vicinity of a smooth switch shop, the reporter also got a similar statement. But in a Suning stores along the roadside, the mobile phone shop clerk told reporters: "staging provides monthly" service that they have and Czech X company to consumers, but now the store has not recognized it; as a central committee, he did not do that. In addition, the intermediate store informants Ronaldinho once bought a mobile phone has been out of business, can not find.

However, reporters at a local easy day mobile phone shop heard staging monthly staff strongly recommend "". The reporter said that he is "proletariat", the bank will have a credit card, there is no fixed income. The clerk said, this is not a problem, as long as the identity card, social security card or work permit, can also "staging monthly". "We call Jie X company, they will come to help you. As long as the identity cards, work permits is true, are generally not what problem. We have already helped many customer contact." However, when a reporter asked about the interest, fees and other related matters, the clerk said need and Jie * company interview.

Almost everyone can "ahead of consumption"

With the in-depth investigation, reporter discovery, the Czech Republic is for all X company is not "troupes", but a company headquartered in the Futian Central District office building, with the background of foreign capital credit enterprise. The company's Web site said: from 2007 to December they officially in the Guangdong region to carry out the payment business. Includes household goods, white goods, consumer electronics, office automation products and other products by the point of sale to buy loans, the loan amount is usually sold for 540 yuan to 10000 yuan. As long as consumers with simple file data, 60 minutes can quick reply......

Reporter then to consumer identity dialed Jie X company's hotline, to the advisory "staging monthly". According to its customer service staff said, the company can provide valid certificates and work to prove to people who can lend. Reporters want to buy a computer in the city of nearly 6000 yuan in the 25 District, she immediately to reporters provided two merchants, and roughly calculated the reporters need to pay the payment for goods of 30%, 12 words each repayment to pay nearly 500 yuan. As if the deferred repayment have "compound interest" may, she stressed that the company will collect "fines"; but mention why GOME stores can't use their installment service, she replied, "merchants" is also a movement.

Subsequently, the reporter also saw a "retailer employee rewards program" on its website: Jie X company encourage shop selling its loan services to customers, promote more, the integral higher, ultimately convertible prizes. The company also introduced that X: "retailers do not need to pay any fees (and credit card is different)", which is a big advantage of it to attract business cooperation. It seems, this "staging monthly" not how to audit, almost everyone can borrow "consumption", at the same time, business sales staff can benefit.

Lawyers view

Should first determine whether legitimate credit enterprise

"We should distinguish whether the legal establishment of credit institutions." Have contacted involves a large number of financial credit business case of Guangdong Hui Yu Jun law firm lawyers think, behind the working youth and Credit Company dispute implied some legal issues:

It is a legitimate credit enterprise. To provide personal credit and loan business, must have the relevant qualifications, or illegal lending. The second is the credit interest rate should be consistent with the relevant national financial policy and standards. If the loan interest rate higher than the national standards, there is "usury". Even the folk loan, the loan interest rates are 4 times higher than the same period should not bank benchmark interest rate, if the above is illegal, but is the enterprise lending behavior. The third is the credit enterprise in accordance with the dunning. As mentioned in the threat, forcing, malicious attack, collection, such behavior is not appropriate, is not desirable, violated the personal safety and property rights, but also seriously harm the national financial market order. Credit enterprise collection methods such as wrong, there will be a legal risk.

Yu Jun lawyers also suggested, working youth when facing similar situations in the future, before signing the contract should first understand the relevant provisions, cautious sign; once the enterprises and the legitimate credit loan contract, the contract terms should be performance, or borrow without also, also should bear the legal responsibility. (reporter Jin Zhu)