Mr. Lu's repayment schedule.
Last year, Mr. Lu, a native of Tianmen, Hubei, bought a car through a zero down payment loan from a company in Wuhan. The car hasn't arrived yet, and he actually has a loan of more than 500 thousand. On July 26, he reflected that he was caught in a "routine loan" and could not repay it. An automobile trading company in Wuhan, which handled the matter, said that the loan method was made clear in advance and the company was not at fault.
Zero down payment didn't buy Audi.
Mr. Lu said that at the end of last year, he wanted to buy an Audi A6 and keep his spare money for investment. When his friend learned about it, he said he could introduce a company that bought a car in Wuhan with zero down payment. At that time, a friend introduced that he only needed to apply for two loans and didn't need to pay money. Among them, 30% of the down payment was 1 10000 yuan, and the remaining 70% was 250,000 yuan, but he needed to pay a handling fee of 54,000 yuan. Calculated the car price of 360,000, the actual expenditure was 456,000, and two loans were paid every month.
Feeling affordable, Mr. Lu followed his friends from Tianmen to Wuhan and found an automobile trading company engaged in zero down payment car purchase business. Mr. Yu, an employee of the company, said that as long as he cooperated, he could pick up the car within a week and drive away in 15 days.
65438 This year1October 27th, Mr. Yu took Mr. Lu to a loan company in Qinyuan Road, Wuchang, borrowed 1.8 million yuan and signed a one-month contract. After that, Yu Xiansheng contacted the bank car loan personnel and applied for a car loan of 250,000 yuan. Three days later, Mr. Lu's friend took him to Hengxin Aolong 4S Store in Shizishan Street, Hongshan District, and paid the down payment, purchase tax and insurance with 6.5438 yuan +0.8 million yuan borrowed before, and mentioned the new car. But the car was taken away by the loan company personnel. Yu Xiansheng said that if you want to use automobile mortgage, you have to pay off 6.5438+0.8 million yuan first, and you can drive away in 654.38+0.5 days at most.
Bank repayment records.
The loan was more than 500,000 yuan, and it was mortgaged several times.
In the meantime, repeated urging failed. It was not until March 15 this year that Mr. Lu received a notice from Mr. Yu, saying that he had found a guarantor and asked him to apply for a car loan at Chuhe Hanjie Haoxin Financial Information Service Co., Ltd.
After Mr. Lu arrived, he felt that the interest rate of 2.69% was much higher than the 0.78% introduced by a friend before, so he didn't want to borrow money. However, Mr. Yu said that the previous loan of 6,543,800+0.8 million was overdue, so take this loan first. The loan is 6.5438+0.35 million, reaching 6.5438+0.65438+0.00 million, and the domestic demand is 235,000 in two years. On the same day, Mr. Lu transferred 654.38 million yuan to Mr. Yu, and then gave the guarantor 5,000 yuan according to his requirements.
This money is not enough to repay the original loan of 6.5438+0.8 million yuan, and Mr. Lu is very anxious. A week later, Mr. Yu went to Hongfeng Company of Chuhe Hanjie to apply for a loan for Mr. Lu. At that time, the contract had been signed, and finally the company fined the car on the grounds that it had problems and defrauded the loan. Mr. Yu found someone to negotiate, and finally paid 1.5 million yuan to this company before driving away. That night, Mr. Yu called Mr. Lu to Zhongnan Road and mortgaged his car to another loan company. Mr. Lu signed a car mortgage contract with a loan of 6.5438+0.5 million yuan to 6.5438+0.4 million yuan, and paid off the first loan of 6.5438+0.8 million yuan.
At the end of April this year, it was time to pick up the car, and the loan company urged Mr. Lu to repay the loan, otherwise he would have to deal with the car. At this time, Mr. Lu went to see Mr. Yu and his friends again, and they didn't handle it well. So far, the car loan from the bank is 250,000 yuan, the loan from Haoxin Finance Company is 6,543.8+0.35 million yuan, and the car loan is 6,543.8+0.5 million yuan. Mr. Lu has already shouldered a loan of 535,000 yuan, and he has to pay back 30,000 yuan every month.
I suspect that I am caught in a "routine loan"
On July 26th, I saw that Mr. Lu's bank car loan was overdue. He only paid back the first three months, and Haoxin Finance Company only paid back one and a half periods. Contact the loan company that pawned the car, and the company staff said that the creditor's rights had been transferred.
"I don't know where the car went, and I still owe more than 500,000!" Mr. Lu said that he suspected that he was cheated and fell into a "routine loan", so he refused to pay back the money.
In recent months, people have often forced Mr. Lu to pay back the money. The glass in the house was smashed, the door lock was blocked and the wall was splashed with paint.
I got in touch with Mr. Yu, and he said that he was a partner in an automobile trading company and engaged in the business of buying a car with zero down payment. From the beginning, he made it clear that he would take out the car with a private loan and then pay back the money with a mortgage loan. After Mr. Lu drove the car back, it would be nice to pay back the car loan slowly. At that time, his credit information was normal. However, in March and April this year, Mr. Lu handled a small loan himself, and there was a problem with his personal credit information. The loan company was worried that he did not. Mr. Lu said that there was no problem with his credit information.
There is something wrong with the credit investigation. Why can I still get a loan from Haoxin Finance Company? There is no one-time loan 1.8 million yuan, but I have handled it many times? Yu Xiansheng explained that some financial companies don't recognize credit reporting. As long as GPS is installed in the car, Mr. Lu's repayment ability is limited, and he can't borrow 1.8 million yuan at a time.
Source: Netease News