Today, a colleague complained about depression. I remember a child almost fell for it a while ago (he survived), but my colleague basically lost about 10000.
Seeing that many people may be fooled like this, I can't help but come and tell them widely. I hope everyone will keep their eyes open and not be easily deceived by Standard Chartered's advertising and sales!
My colleague's post in another forum is reposted as follows, but she is basically trapped inside and has no chance to escape. Alas, the more I think about her, the more depressed she becomes.
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Subject: I seriously despise Standard Chartered Bank. I was cheated, quilted and suffered heavy losses! ! I am very angry and helpless. Please help me with something!
On 26th, I spent eight hours communicating with them, that is, the moment when the sales informed me that the application form was approved, I began to communicate with Standard Chartered.
Come back for an interview if there is an update on the 27th! See page two!
On the 28th, I told the sales director that I wouldn't accept the private result that both parties should bear half the loss, unless he compensated me in full. Because my loss is caused by their process errors and mis-sales, I will formally complain tomorrow.
When I got the house, I originally planned to decorate it next year, because all the money was paid and I had no money to decorate it. The sales staff of Standard Chartered posted on the Internet that the company launched unsecured loans, so we consulted her according to the contact information she gave, and it felt good. It is said that it will take four days at the earliest to approve the loan, no problem. We plan to give it a try because the procedure is very simple. If you borrow 654.38 million yuan in two years, you only need to pay back 4500 yuan every month. Then she recommended that we go to the online calculator to calculate, which is the same number. We made an appointment with her last Saturday. She showed us the interest rate table first, which was really similar to what she said before. When she filled out the application form, she told us that they actually charged 0.49% management fee every month. This management fee should be paid every month. In other words, we have to pay about 500 yuan every month (0.49% of 654.38+ ten thousand), so we have to pay nearly 654.38+ ten thousand more than what she told us. I feel very unhappy because she has never said anything about the management fee before. If there is no interest rate on the management fee, we can still accept it. If you borrow 654.38 million yuan for two years, it will be less than 654.38 million yuan.
We made it clear that this is different from what we talked about yesterday, so we must think about it. She asked us to fill out the loan application form first, saying that their standard chartered audit was very strict, and only 40% of them passed. We made it clear that because she only informed us of the management fee temporarily, we had to consider it, which was too much beyond our budget. Even if our application is approved, we don't necessarily ask for this loan. . Sales said no problem. This is only an application, and it is not known whether it can be approved. When we left, we repeatedly asked the sales staff to contact us as soon as a batch of our applications came down, ask us if we wanted it, and then lend money. My husband just deliberately asked the salesman if he could copy the application, but the salesman said no, it was something inside their company, because we wanted to see if there were any traps.
On the surface, the so-called credit card application form for applying for Standard Chartered is no different from that for ordinary banks, except that there is an interest slip. The trap is here, so be careful in the future! ! !
If the sales staff didn't tell us the management fee mentioned above, I can still accept it. At noon today, the salesman called me and told me that my application had passed, so that I could make a decision as soon as possible. I asked her and gave me a few days to think about it. She said that the loan will be issued in about 2-3 days, or maybe 4-6 days. I said I would think about it and tell them whether I want it or not as soon as possible. I asked her to confirm it.
I dialed the customer's phone number. I called this customer service 1. I asked customer service 1 and told him my situation. He said he couldn't find when to borrow money. I told customer service 2 that I wanted to know when to release the money. The salesman said that my application had been passed, and they gave me a few days to consider whether to lend, because the salesman told me. I personally need about 7 days. Customer service 2 said that my request has been recorded, and that if I don't call to confirm, I won't take it, but I will call. I'm still a little uneasy, because I feel that they don't know some questions asked by the first two customer service people. So I called their customer service again. As a result, customer service 3 said that my loan had been released and I couldn't get it back. If you take it back, you will have to pay a fine of 5000 yuan. This sale mentioned that the prepayment should pay a penalty of 5000 yuan, I know. I told the salesman before that if you let me know after the application is approved, I will tell him whether I want this loan or not. The salesman didn't tell me either. If the application is passed, you can lend it to me directly without my consent, otherwise I will definitely not apply. Customer service 3 said it was a company policy. In any case, the loan can't be recovered unless I pay the fine. Customer service 3 told me, for example, if you apply for a credit card, the bank will handle it directly for you. Yes, but I don't need this card, and there is no loss. Now if I don't want this loan, it will be a heavy loss. Moreover, sales really hide the application as soon as it is handed in, and then directly lend money if it is agreed. This is completely different from my initial communication with her. If the company really has this policy, it can only explain.
God, I seriously doubt that the customer service behind me is fooling me. In the afternoon, the person in charge of sales called me, saying very strongly that if the loan is given to you, it can't be recovered, just like customer service 3. I explained my communication with the sales staff. No one in Standard Chartered told me that you must accept the loan after submitting the application. I said that I specifically told the salesperson that if the application is passed, you must tell me first and I will reply to her as soon as possible. Do I accept it or not? I filled out the application form in their company. The supervisor said, did you mark the application form? I said no. When? Sales asked me to fill in the application, but didn't ask me to mark it. Please contact me when the application is passed.
After a while, the supervisor said that he had checked and said that my loan had not actually been released. He will ask the customer service in Shenzhen to add my request and wait for me to think about it for seven days. Don't call them, otherwise it will be considered very important. So I immediately called the customer service in Shenzhen and told them my requirements, and they said no problem.
I always think Standard Chartered is a big company, so so far, I haven't said anything malicious or ugly. I believe there is something wrong with their company's process.
After several times of communication, I found that there was something wrong with their internal communication. I'm still not at ease. I went to CCB to check. Oh, my God, they already lent it out.
I am completely speechless. The supervisor said that there was no loan just now. Maybe their customer service information is lagging behind. At this time, the regulator will definitely not be able to recover the loan and let us bear the losses ourselves. Actually, I'm just hesitating to take this loan. I spent nearly 8 hours communicating with them today. I'm exhausted. I feel cheated by Standard Chartered and cheated! I was hesitant before. I am disappointed and angry with Standard Chartered Bank. I'd rather lose money than say anything! !
The director's plan gives us three choices: 1) We must accept this loan; 2) We refuse to pay the fine; 3) We can use other channels, such as law. Plan 3 wastes too much time and energy of our consumers.
I am completely speechless. I am so depressed! Cheated and raped by Standard Chartered! They made it clear that they could not recover the loan. If this matter continues to drag on, we will be charged interest and management fees every day.
I hope my example is just an example. Standard Chartered's sales are not the kind of people who cheat unscrupulous insurance companies and join pyramid schemes! It also gives a kind reminder to those who are attracted by the attractive advertisement of Standard Chartered, claiming to be the first unsecured loan in China! Can you help me think about what I should do?