In the automobile loan business, incidents of malicious embezzlement and misappropriation of bank loans repaid by car buyers occur from time to time. Insiders remind: citizens should be careful not to be cheated when buying a car with a loan ... Case text Recently, in the car loan business, there have been incidents in which sellers maliciously occupy and misappropriate bank loans repaid by car buyers. Insiders reminded: citizens should pay attention not to be cheated when they borrow money to buy a car. The person in charge of China PICC P&C Company Chongqing Branch said that there are four main ways for car dealers to cheat at present: First, repay the loan first and then embezzle. When the borrower fails to repay the loan within the time limit, the seller will repay the loan on behalf of the buyer, and after repaying the loan on behalf of the buyer, the seller will use this as an excuse to directly collect money from the borrower, even far exceeding the loan amount and detain it. The second is to intercept, misappropriate and occupy the bank loan returned by the borrower on the grounds of paying road maintenance fees and other expenses. The third is to fabricate the facts entrusted by the bank and collect money directly from the borrower in the name of the bank. The fourth is to deceive the borrower, based on the installment car purchase contract, mislead the borrower to repay the money directly to the seller, and then take possession of it. For example, not long ago, the manager of Chongqing Fenghua Automobile Sales Co., Ltd. Gao used the automobile loan contract to defraud the bank loan, and * * * defrauded the automobile loan amount of more than 2 million yuan by intercepting the monthly repayment of several customers. Experts in the industry suggest that loan buyers should keep repayment vouchers, such as bank deposit certificates, during the repayment process, and confirm the repayment situation of each period to the bank in time. Don't sign a so-called "payment agreement" with sellers or affiliated transportation companies in private, don't trust their promises, and don't be afraid of their threats, so as not to damage your legitimate rights and interests. At the same time, borrowers should take the initiative to expose the illegal facts of sellers and transportation companies to banks, insurance companies, public security and other departments, and cooperate with public security organs to crack down on all kinds of illegal and criminal acts in car loan business.