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In July of this year, Mr. Chen, a citizen, bought a 580000 SUV in Chengdu Longquanyi long March, which overtook Volvo 4S store. The price of a naked car is 550000, and the sales consultant directly recommends Mr. Chen to apply for a bank mortgage, saying that the full amount is plus 20, 000. if it is a mortgage manufacturer and bank, it will charge a fast handling fee of 20, 000, but 0 interest. Under Mr. Chen's total, he finally chose a mortgage loan with an additional 10, 000 yuan of interior decoration, with a total invoice price of 580000.

However, due to the demand for mortgage, the sales consultant proposed that it was necessary to buy a theft and rescue for a period of two years. After that, Mr. Chen spent 4808 yuan to buy the theft and rescue, but never got the invoice and insurance policy. 4S store has been "not open today" and "too busy" has been slow to give Mr. Chen purchase vouchers, the sales staff said later to Mr. Chen to fill in the insurance policy and invoice.

On September 17, the 4S store salesperson sent Mr. Chen an insurance policy, which clearly stated the policy number, insurance terms and information about Mr. Chen's vehicle, but the insured shown on the policy was not Mr. Chen, but a third-party company called Sichuan Yueche Information Technology Service Co., Ltd., which issued invoices from this company, while the insured was the company's GPS products.

Insurer customer service said that the purchase is GPS product liability insurance, refers to the product failure can be compensated, the limit is 500000, and theft and rescue is not the same. Since then, Mr. Chen has verified that the handling fee of 20,000 yuan has never been collected by manufacturers and banks. He thought he had been cheated by consumption and asked the 4S store to refund the premium of 4808 yuan and the handling fee of 20, 000 yuan, but it was rejected by the 4S store. Huang Wei, sales manager of 4S store, said, "Mr. Chen wrote that we cheated, but we provided the service, and the result index was the same."

After the reporter left, Mr. Chen said by phone that he had received a new negotiation from the 4S store and refunded the premium to three for one. But Mr. Chen did not agree, "not for the money, but to prevent others from trampling on it."

Some netizens said that the money was collected by the 4S store itself.

Xing Lianchao, a law firm in Sichuan and the first law firm, believes that the purchase of insurance for customers by 4S stores is itself a principal-agent relationship, which is not applicable to the "protection of consumers' rights and interests", and there is no legal basis for refund and compensation. As for the handling fee of 20,000 yuan, the handling fee of 20,000 yuan is separately listed in the supplementary agreement for car purchase, but the 4S store does not make a reasonable explanation for the handling fee, which belongs to the extra charge and should be refunded.

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