24 Jul 2008

Many car loans trap car West Side "instalments"

"I have made the first payment 60,000 yuan, has not mentioned a month fast cars, and car purchase contract clearly read 'contributions to 15 cars in future,' and I now want to return to their down payment , But funny is the first car I had to be returned to the procedures, such as at several companies to refund the money. I would like to hire the original car, not buy cars, to return to their down payment , Has become a 'hire'. "Last week, Tung Chau Qumou brand cars in two distributors, consumers and Mr. Chang regretted the inverted Budie grievances.

In fact, the hire car in China has nine years of history, in promoting China's automobile industry development. However, the development so far, the vast majority of consumers do not agree with automobile credit business. Beijing industrial and commercial departments have acknowledged that disputes arising from the hire-car consumer complaints in a more prominent; Asian Games Village, Tianlong, in the north and the relevant leaders have agreed that, because there is a hire-purchase traps and Motor Credit raising the threshold, the choice of hire-purchase payments means the consumer a lot less than before, in the purchase of 10 percent less than the proportion of all.

It is understood that hire cars are mostly due to take ownership of reservations, consumers pay the whole of the former, car ownership has been in a state of security. Is because of this, as Mr. Zhang was the same lack of credibility to hoodwink the car when the incident occurred. Hire-purchase in the following several traps.

First, all formalities completed, the dealer has filled prices. In the consumer installment procedures completed after full preparations to car dealers are required on the basis of the original car, then pay a certain amount of cash to mention cars. Under such circumstances, the dealers are given a lot of reasons, such as the first payment from the pay-wide cross from the past few days, the prices of the car, or failed to do within the stipulated time, such as loans under various pretexts.

Second, the "Pinfeng" means to deceive or additional funds. Loitering on the market, "Pinfeng" qualified staff because neither credit nor a source of cars, but do not want to lose a piece of "rare fat meat", so will the car instalments to a consumer credit are eligible The dealer, for car hire procedures. Dealers use of loan procedures and method of calculation of the complex, and deliberately charge more money to earn ill-gotten gains. In this way, "Pinfeng" net profit from the consumer commission.

Third, deceived consumers to sign a blank contract. Contrary to moral integrity of a small number of commercial distributors, drilling consumers lack the knowledge of law loopholes, deceived consumers to sign a blank contract. Assume that consumers do purchase procedures, orally informed the dealers are paid only 30 percent of the first loan payment only 50,000 yuan on OK, and let consumers blank signed the contract. However, in the loan formalities completed, consumers received a credit contract when the loan amount that the price of previous commitments to much higher.

To address the above traps, industry experts remind consumers in the form of payment when the car to note the following in order to avoid your car West Side "instalments." We must first choose a powerful and reputation of the automobile dealers; Secondly, a detailed view of the relevant provisions of a contract for the sale car and requested the proficiency of lawyers review of this business, in terms of the contract on non-controversial circumstances to signature and stamp. Third, if the dealer found the car had violated the contract, consumers may initiate proceedings to the authorities.

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