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What should I do if I encounter a bank loan fee for a 4S shop?
If the handling fee is unreasonable and you are deceived, you can call the public security organ for help and complain to the local administrative department for industry and commerce.

According to the People's Police Law of the People's Republic of China, the provisions are as follows:

Article 6 The people's police of public security organs shall perform the following duties according to the division of responsibilities:

(a) to prevent, stop and investigate illegal and criminal activities;

(2) Maintaining public order and stopping acts endangering public order;

(3) Maintaining traffic safety and traffic order and handling traffic accidents;

(four) to organize the implementation of fire control work, the implementation of fire supervision;

(five) the management of firearms, ammunition, controlled knives and inflammable, explosive, toxic, radioactive and other dangerous goods;

(six) the management of special industries as stipulated by laws and regulations;

(seven) to guard the specific personnel specified by the state and guard the important places and facilities;

(8) Managing assemblies, processions and demonstrations;

(nine) the management of housework, nationality, entry and exit affairs and foreigners' residence and travel in China;

(ten) to maintain public order in the country (border);

(eleven) the execution of criminal punishment for criminals sentenced to public surveillance, criminal detention, deprivation of political rights and criminals executed outside prison, and the supervision and inspection of criminals who have been declared suspended or paroled;

(twelve) to supervise and manage the security protection of computer information systems;

(thirteen) to guide and supervise the public security work of state organs, social organizations, enterprises and institutions and key construction projects, and to guide the public security prevention work of mass organizations such as public security committees;

(fourteen) other duties as prescribed by laws and regulations.

Extended data

On the 20th/5th165438+110th15th, the consumer Mr. Wang found that the garage in Xitianwei Town, Licheng District, Putian was doing the preferential activities of "0 interest and 0 handling fee", so he decided to borrow190,000 yuan to buy an off-road vehicle and handle it. When I picked up the car, the 4S shop told me to charge a "mortgage fee" of 3,200 yuan, otherwise I couldn't pick up the car. Mr. Wang thought that the charge was obviously inconsistent with the previously promised preferential activities of "0 interest and 0 handling fee" for car purchase, and immediately complained to the Consumer Council of Licheng District, Putian City.

After receiving the complaint, the Consumer Council of Licheng District, Putian City, through on-site investigation and access to relevant bills, initially judged that the 4S store was suspected of charging unreasonable fees and infringing on the legitimate rights and interests of consumers. Therefore, the case was handed over to the Licheng District Administration for Industry and Commerce, and it was suggested to initiate an investigation.

On 2015165438+10 19, law enforcement officers of Licheng district administration for industry and commerce inspected 4S stores according to law, and found that 4S stores charged different amounts of "mortgage fees" when handling car loans for consumers, which was different from the "0 interest and 0 handling fee" advertised by 4S stores. After checking the car purchase contract and related bills of the 4S shop on the spot, the law enforcement officers filed an investigation on the same day.

After investigation, from July 2065438 to July 2005, a financial institution launched a "0 interest" loan to buy a car. During the activity, you can apply for an interest-free loan with a term of 1-3 years from financial institutions. The 4S shop collects the corresponding "mortgage service fee" from the consumers who participate in this preferential car purchase activity, and issues a receipt in the name of "service fee". 20 15, 1 10 and 19 were seized by the industrial and commercial bureau according to law.

As of the date of the crime, the 4S store * * * charged the above service fee ***6 times, and the illegal income was * * * 1.6 million yuan. According to the provisions of Article 60 of the Measures of Fujian Province for Implementing the Law on the Protection of Consumer Rights and Interests in People's Republic of China (PRC), it is ordered to correct the above illegal acts, give a warning, confiscate the illegal income of 16000 yuan, and impose a fine of 64000 yuan, including a fine of 80000 yuan. At the same time, the 4S shop agreed to refund Mr. Wang's "mortgage service fee" of 3,200 yuan and carry out routine maintenance for him free of charge.

Beijing Prison Administration-People's Police Law of the People's Republic of China.

People's Daily Online -4 S shop illegally charged "mortgage fee"