Supermarket lottery induces loans to buy tablets and can be refunded. Consumers can choose to negotiate with the merchants when they encounter the problem of refund. If negotiation fails, you can report to the Consumers Association for mediation. If mediation fails, a lawsuit may be brought to the relevant people's court.

1. Should I bear criminal responsibility for being induced to defraud loans?

Being induced to defraud loans does not require criminal responsibility. The crime of defrauding loans is a new crime in the Criminal Law Amendment (VI). One of the crimes stipulated in Article 175 of the Criminal Law, "Whoever obtains loans, bill acceptance, letters of credit, guarantees, etc., and cheats banks or other financial institutions, resulting in heavy losses to banks or other financial institutions or other serious circumstances, shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall also or shall only be fined; Whoever causes particularly heavy losses to banks or other financial institutions or has other particularly serious circumstances shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and fined. " The subjective aspect of this crime is intentional, the subject of the crime is natural persons and units, the object is to undermine the national financial management order, and the objective aspect is to cause great losses to banks or other financial institutions. The subjective demand for defrauding loans is intentional. If it is induced by others to commit a criminal act without my knowledge, it does not constitute the crime of defrauding loans. However, if you knowingly commit a crime and continue to commit it, it will constitute a crime.

Second, is it illegal to induce consumption?

Inducing consumption violates the relevant provisions of the Consumer Protection Law and is suspected of commercial fraud. Consumers can ask for a refund. If losses are caused, consumers have the right to claim compensation. According to Article 7 of the Law on the Protection of Consumers' Rights and Interests, consumers have the right to protect personal and property safety when purchasing and using commodities and receiving services. Consumers have the right to demand that the goods and services provided by business operators meet the requirements of protecting personal and property safety. Article 8 Consumers have the right to know the real situation of the commodities they buy or use or the services they receive. Consumers have the right to require business operators to provide prices, places of origin, producers, uses, performance, specifications, grades, main ingredients, production dates, expiration dates, inspection certificates, instructions for use, after-sales services or the contents, specifications and expenses of services, etc. according to different conditions of goods or services.

If people are induced to borrow money without knowing it, which eventually leads to poor credit report, they can recover their credit report through appeal.