AutoBeta(AutoBeta.net)06/20 Report--

Mr. Zou of Weinan, Shaanxi Province bought a new car a few years ago. The 4S store said that it could enjoy a certain discount to participate in the "win-win loan". Out of the mentality of being cheap, Mr. Zou made it easy for the 4S store to sign the so-called "win-win loan" service. now the loan is no longer repaid after the 4S store closes down. Mr. Zou and a number of car owners have been listed as executors and have been asked for debt in recent years.

According to Mr. Zou's description, he took a fancy to a new Beixian Tusheng in 2015 and transferred the 160000 yuan deposit to the bank account of the 4S store after paying a deposit of 15000 yuan. The day after the full payment, Mr. Zou suddenly received a call from the 4S store, asking him to go to the 4S store to handle a "win-win loan". According to the 4S store, this "win-win loan" is an activity of the manufacturer, from which the car owner can get a discount, and the loan is all repaid by the 4S store, which has nothing to do with the car owner.

Mr. Zou said that at that time, there were a lot of cars and people in the 4S store, thinking that the store would not collapse in a short period of time, coupled with the fact that the 4S store found many car owners for "win-win loans", some in 2014 and some in 2015. I was greedy for a little bargain at that time, so I got this loan.

Mr. Zou said that at that time, there were a lot of new cars and customers in the 4S store, thinking that the 4S store would not collapse soon, coupled with the fact that the 4S store found out the "win-win loan" agreement signed by the previous car owners, and there were many car owners who signed the "win-win loan" in 2015, even in 2014. At that time, Mr. Zou wanted to get a discount, so he made the loan with the 4S store.

According to the loan contract of a car owner provided by Mr. Zou, the borrower is the owner, not the 4S store, and the lender is Beijing Automobile Group Finance Co., Ltd. (BAIC Finance). In addition, according to a number of supplementary agreements, guarantees and IOUs provided by Mr. Zou, several car owners bought cars at the Beijing Hyundai 4S store in Weinan Zhongqingyuan and participated in a "win-win loan", and the loan to participate in the "win-win loan" was undertaken by the 4S store.

Mr. Zou said that the 4S store had been performing the repayment until August 2017, when the car owner went to the 4S store to urge him to pay it back for another month after looking for the 4S store, and then never paid it back again. Mr. Zou and other car owners have been receiving debt calls and text messages since the 4S store defaulted on its repayment.

According to the National Enterprise Credit Information publicity system, the 4S store was listed on the list of business anomalies on December 12, 2017. According to the China referee Writing website, Mr. Zou was sued by BAIC Finance to the Beijing Fengtai District Court, where the court ordered Mr. Zou to repay BAIC Finance more than 50,000 yuan. According to the China Executive Information publicity Network, Mr. Zou has been listed as the person to be executed.

4S store staff said that the "win-win loan" business does exist, the loan is repaid by the 4S store, but now that the company has closed down, the boss has run away, and there may be no one to repay the money now.

BAIC Finance staff said that BAIC Finance is also a victim, strictly speaking, it is a loan fraud. The company is only responsible for reminding customers to deal with arrears. It is not clear why car owners still sign loans for full-money car purchases. Normal people generally do not do so.

Since you have chosen to buy a full car, why should you sign a loan agreement with a 4S store? from this point of view, car owners lack some common sense of car purchase. In addition, even if the 4S store says the loan has nothing to do with the owner, once the 4S store closes down, the repayment will eventually fall into the hands of the owner. At present, the dispute over "win-win loans" is still being further dealt with.

Welcome to subscribe to the WeChat public account "Automotive Industry Focus" to get the first-hand insider information on the automotive industry and talk about things in the automotive circle. Welcome to break the news! WeChat ID autoWechat