Legal analysis: Path 1: Try to apply for mediation. When there is a dispute between consumers and automobile manufacturers or dealers that is difficult to solve, they can request third-party social intermediary organizations such as consumer associations and consumer rights protection organizations in various provinces, cities and counties to mediate according to the protection of consumers' rights and interests. You can call the local consumer complaint telephone number 123 15 for specific implementation procedures. Path 2: solve it by appeal. If mediation fails, we should consider the appeal procedure. Consumers can complain to the local quality and technical supervision department (quality and technical supervision bureau) or the administrative departments of industry and commerce, transportation and so on. The Bureau of Quality and Technical Supervision will handle complaint cases in accordance with the relevant provisions on handling quality complaints. For details, please call the local product complaint telephone number 12365. Route 3: through arbitration and litigation. If both parties to the dispute are unwilling to settle the dispute through consultation or mediation, or if no agreement can be reached through consultation or mediation, they may apply for arbitration according to the agreement, or they may appeal to the people according to law. Relatively speaking, arbitration and litigation judgments are binding on the parties, and both parties must abide by them, which is also the ultimate means to resolve disputes between the two parties. However, arbitration and litigation procedures involve many complicated processes and consume more time and energy. Path 4: With the help of the media, automobile quality problems can also seek the help of the media, and with the help of public opinion, the effect of resolving disputes can be achieved.
Legal basis: Article 9 of the Law of People's Republic of China (PRC) on the Protection of Consumer Rights and Interests enjoys the right to choose goods or services independently. Consumers have the right to choose their own operators to provide goods or services, choose their own varieties of goods or services, and decide whether to buy or not to buy any kind of goods or accept or not to accept any kind of services. Consumers have the right to compare, identify and choose their own goods or services.
Second, where is the complaint about the car loan company?
You can complain to the local financial office or the local banking regulatory bureau. You can complain to the company if you meet the following conditions:
1. Illegal fund-raising in the name of the company;
2. Illegal absorption or disguised absorption of public deposits in the name of the company;
3. Company staff use illegal means to collect debts or instruct others to collect debts illegally;
4. The actual interest rate of loans issued by the company exceeds the upper limit stipulated by judicial interpretation or is lower than the lower limit of loan interest rate announced by the People's Bank of China;
5. The company illegally evades registered capital or evades registered capital in disguised form in the form of loans;
6. The company has off-balance sheet business activities;
7. The company issues loans to industries explicitly prohibited by shareholders and industry authorities;
8. The company has illegal business practices such as engaging in external guarantee business, cross-regional business, exceeding business scope, and issuing excessive large loans;
9. Other acts prohibited by laws, regulations and competent departments.
Third, how to complain about car loan companies
First, call the bank and put pressure on the car loan company through the bank. After this installment, generally only one mortgage cancellation fee is charged, and generally 100-200 is enough. I haven't heard of any insurance liquidated damages. If you default on insurance during the mortgage period, the car loan company will directly deduct your deposit.
If the bank has no results, find the media exposure and say that the car loan company collects fees in disorder.
In the end, the above two results are not the way. This is time-consuming and laborious, and it is the best policy.
4. What complaints are car loan companies most afraid of?
Legal analysis: car loan companies are most afraid of complaining about it. Nowadays, more and more people will choose loans to buy cars, which can reduce the present, spend money in the future and enjoy the happiness of today. However, various loan scams have followed, such as car schemes, such as zero down payment, zero interest, 10% down payment and so on. But there are also implicit loans, such as regular loans and car loans.
Legal basis: regarding the supervision and management of small loans and companies (financial offices or related institutions), they are willing to undertake the pilot project of company formation system within the county (district, city) where the company is located, and the shareholders of the company should sign a letter of commitment with the company, promising to consciously abide by the articles of association, participate in management and bear risks. A company should establish and improve its corporate governance structure in accordance with the requirements of the Company Law, clarify the relationship between power and responsibility, formulate and improve effective rules of procedure, decision-making procedures and internal audit system, and improve the effectiveness of corporate governance. The company should establish and improve the business processes and operational norms such as loan, loan review and post-loan inspection, and earnestly strengthen loan management. A company shall strengthen its internal control, establish a system in accordance with relevant state regulations, and truly record and comprehensively reflect its business activities and financial activities. Establish a prudent and standardized asset classification system and provision system, accurately make provision for bad debts, ensure that the provision adequacy ratio for asset losses is always above 100%, and fully cover risks. According to the requirements, publicly disclose the financial statements, annual operating conditions, financing conditions, major events and other information audited by intermediary institutions to shareholders, competent departments and banking financial institutions of the company, and accept social supervision when necessary. Engaged in illegal fund-raising activities, in accordance with the relevant provisions of the State Council, the provincial people's government is responsible for the disposal. If the inter-provincial illegal fund-raising activities need to be coordinated by the inter-ministerial joint meeting on the disposal of illegal fund-raising, the provincial people's government may request the joint meeting to coordinate the disposal. Other acts in violation of national laws and regulations shall be punished by the local competent department in accordance with relevant laws and regulations; If a crime is constituted, criminal responsibility shall be investigated according to law. The People's Bank of China incorporated the company's interest rate and capital flow into the credit information system. Credit information system provides business information such as borrower, loan amount and repayment.