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In January, Mr. Sun of Zhengzhou, Henan province, bought a Mercedes Benz from a company called Henan Huixing Auto Sales Co., Ltd. Mercedes-Benz car is 430,000 yuan, Mr. Sun bought a new car loan of 50%, that is, a loan of 215,000 yuan.

However, when paying back the monthly payment for the first time, Mr. Sun found that it was wrong. The sales said that the monthly payment was more than 6000 thousand yuan, but the principal + interest of the first repayment exceeded 7000 yuan. The actual repayment amount was inconsistent with that agreed at the beginning. The inquiry found that the actual loan amount was 235711 yuan (excluding interest), 20,000 yuan more than the agreed loan amount of 215000 yuan. Mr. Sun said that the actual repayment amount did not match the agreed amount at that time, and the repayment list showed that the loan was finally returned to Zhengzhou Zhongyu Automobile Sales Co., Ltd., but the company was not a bank, so the extra interest charged was puzzled.

Subsequently, Mr. Sun took out the installment payment voucher, which showed that the payment amount when Mr. Sun purchased BMW was 235711 yuan. At that time, the sales store did not inform Mr. Sun of the interest situation. The amount of more than 230,000 yuan did not include interest.

Mr. Sun said that because they have been looking for their staff, now they have blackened themselves, in addition, including car purchase contracts, loan contracts, purchase tax invoices, insurance invoices, all have not been given to hand.

Then the reporter came to the sales company, sales personnel said, the cost price of this car is 440,000, but we were sold at 2.43 million, that is to say, we lost 10,000 yuan. At that time, Mr. Sun bought it with a loan of 50%, so we added other profits to earn back the 10,000 yuan. It was not much to earn a few thousand yuan as a whole, which was also a walk.

Reporters also consulted lawyers, lawyers said, The sales company has some illegal behavior, For example, when signing the contract, No contract to the car buyers, And sales company in the process of selling cars, Also did not inform the car buyers of the corresponding situation. In this case, Mr. Sun signed a blank contract with the sales company, including contracts, loan contracts, invoices, etc., which were not given to consumers.

After negotiation between the two parties, the sales company agreed to let the customer also make up the car price to 445,000 yuan, that is, make up another 15,000 yuan, and the car purchase company also refunded the handling fee and post-loan management fee collected by the customer. The contradiction between the two parties was resolved.

Lawyer also reminds, When buying a car, Must deal with the interests between the sales company, Must not sign a blank contract, Once signed a blank contract, Equal to the sales company unlimited authorization, The other party can also fill in the contract at will, The final result also has consumers to bear.

Installment payment has become a choice for young people to buy large-sized goods, and when buying a car or house, this situation is more common. It is worth noting that when choosing a company that provides installment payment service, it is better to go to those large-scale regular companies. Generally speaking, these companies have relatively perfect rules and regulations, and pay more attention to their reputation, and will not deceive and cheat consumers because of some petty profits.

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