Second, you can also sue. The other party's statement has no legal basis, and the interest standard is seriously illegal, and the court does not support it.
Third, remember in the future, don't trust secured loans, things that can be withdrawn without guarantee. These small loan companies and guarantee companies have social backgrounds, and ordinary people are not rivals at all.
4. If you are cheated, you should collect evidence, call the police or bring a lawsuit to the court.
5. Write out the account information of the swindler and the process of being cheated, regardless of whether the money can be recovered from the swindler. This can at least benefit future generations. When others search this account again, they will know that the other party is a liar.
What are the common automobile mortgage traps?
1. Interest-free loan
As the saying goes, "There is no such thing as a free lunch", and the wool is on the sheep. It is a well-known truth that loans need interest. Many people are tempted by the so-called "zero interest", but after handling the loan, they find that although interest is exempted, there are still many extra expenses, such as handling fees, which need to be paid in advance. After calculation, they found that it was much higher than the interest.
2. unsecured
Car mortgage, as the name implies, needs to mortgage your own vehicle. Some users are busy and worried about the impact of the car mortgage, so they will be attracted by an unsecured loan method. This way claims that there is no need to mortgage the vehicle and no formalities are required. You can get a loan as long as you have a car in your name, and the repayment period is specified (for example, 10 once a day). However, if the user fails to repay the loan within the time limit, the platform will not recover the money, but will soon drag the lender's car away on the grounds that the customer fails to repay the loan on time or moves the GPS locator privately, and ask the lender to pay a high penalty to redeem the car. This is how criminal gangs make huge profits from it.
3. Ultra-high quota
For borrowers, the higher the quota, the better, but now some platforms often publish advertisements with ultra-high quotas, such as 654.38+ 200,000 yuan for car loans or even higher. Please be vigilant at this time, because regular auto mortgage companies will evaluate the loan amount according to the current market value, car condition, car age and other factors. In general, the loan amount is 80%-90% of the appraised price.
4. Contract fraud
When signing a loan contract, we should pay special attention to the collection items to avoid the situation of "repeated charges under various pretexts". Some illegal and non-compliant loan companies will use low interest rates as bait to require borrowers to sign multiple contracts at the same time, tricking borrowers into agreeing on the terms of the contracts, but in fact, only the contract with the lowest interest rate has specified the loan interest rate, and the interest rate terms of other contracts are blank, and the originals of these contracts will not be given to borrowers. Don't think that you really take advantage, because these companies will not perform contracts with low interest rates at all, but fill in contracts with blank interest rates with higher interest rates, and then treat forged contracts as loan contracts. After the borrower found out, because there was no original contract, he could only "eat Huanglian Yabakui".