The car loan has been paid off or the renewal deposit is not refundable.
The car loan has been paid off. Do you want your renewal deposit back? Recently, some users broke the news that they had encountered such a non-compliance situation. At that time, he paid the installment payment for three years, and the staff of the 4S shop helped him buy a car and asked him to pay the 500 yuan deposit. "They didn't specify how much the deposit was. They only said that they would pay by installment and asked to pay auto insurance to the designated insurance company within three years. " Mr. Duan said.
"I have paid off all the loans and paid the insurance money on time. Why don't you refund my deposit? " Recently, Mr Duan called the public hotline 12345 to reflect his recent troubles. It is reported that in 20 13, Mr. Duan bought a private car in a 4S shop on Jinghua Avenue in Dezhou Economic and Technological Development Zone. At that time, he paid the installment payment for three years, and the staff of the 4S shop helped him buy a car and asked him to pay the 500 yuan deposit. "They didn't specify how much the deposit was. They only said that they would pay by installment and asked to pay auto insurance to the designated insurance company within three years. " Mr. Duan said.
Now that the loan has been paid off, when he went to refund the deposit, he received a reply from the staff of the 4S shop, asking to change the insurance company to insure the car, "renew the insurance myself and not refund the deposit".
Then the reporter contacted a staff member of the 4S shop for consultation. It is reported that this 500 yuan deposit is called renewal fee. According to the company's regulations, every consumer who borrows money to buy a car must pay. This is mainly based on the consideration of reducing the risk of bank repayment. Generally, there are cooperative insurance companies in 4S stores, and they will ask consumers who borrow money to buy cars to buy four major insurances: car damage insurance, third party liability insurance, burglary insurance and vehicle personnel liability insurance. If consumers choose their own insurance company or insurance type, if the loan vehicle is seriously damaged or lost, and the owner loses the repayment ability because he has not purchased all the insurance, the bank that provides the loan will bear the above risks. Paying the renewal deposit is only to ensure that consumers go to the designated insurance company to buy the designated insurance. "No matter whether the loan is paid off or not, the loan will not be renewed here, and the renewal deposit will not be refunded." The staff explained that this is also a company regulation.
The reporter learned that it is not a case to pay the renewal deposit for car loans. According to industry insiders, in addition to avoiding risks during the loan period, on the other hand, it is to earn rebates from insurance companies.
Song Guohua, a lawyer of Shandong Xindagong Law Firm, believes that the purchase of insurance should follow the principle of voluntariness, and the dealer collects the renewal deposit in the name of mortgage agent, which first infringes on consumers' right to choose independently. Secondly, there is no legal basis for advocating deposit and loan renewal to prevent and control loan risks. If the bank believes that the mortgaged vehicle is at risk of damage or loss, it may require the owner to pay insurance, provide new collateral or repay the loan in advance. In other words, even if the deposit is collected to prevent and control risks, after the consumer pays off the car loan, the vehicle no longer needs to be used as collateral, and there is no reason for the 4S shop not to refund the deposit. It is understood that for Mr. Duan's situation, the Municipal Consumers Association has been involved in coordination.
The car loan has been repaid, and the deposit is difficult to refund.
20 12 the bank car loan was paid off as scheduled in the first half of the year, but so far, the repayment deposit paid at the time of loan has not been obtained. Mr. Chen recently told us that because the head of an investment guarantee company ran away, the bank said that he could not pay without the guarantee company, and his deposit of 3,600 yuan might be "wasted". Our interview on June 5438+07 found that many car owners had the same experience as Mr. Chen.
Volkswagen reported that the car loan has paid off the deposit and has not been settled.
"I have been running for almost a year, and I still have no money." 16, Mr. Chen called and said that in 2009, he borrowed more than 90,000 yuan from a bank branch to buy a car, during which the bank appointed him to go through the loan guarantee procedures with an investment guarantee company. Subsequently, Mr. Chen signed a contract with the guarantee company, agreeing to pay off the car loan within three years, and at the same time pay the repayment deposit of 2,600 yuan, and continue to pay the deposit of 1000 yuan. According to the agreement between the two parties, as long as Mr. Chen pays off all bank loans on time every year and guarantees to handle auto insurance, the guarantee company will refund all the deposit of 3,600 yuan after the expiration of three years.
Mr. Chen introduced that in March last year, he paid off the bank loan as promised. When he asked the guarantee company for the deposit, the company told him to go home and wait, on the grounds that funds were tight and he could not settle the expenses until the bank returned the deposit to the enterprise business. As soon as there is news, he will be informed in time. The so-called business security deposit refers to that an investment guarantee company deposits more than 50,000 yuan into the bank as a credit security deposit when signing a guarantee business contract with a bank branch. Once the cooperation between the two parties is terminated and there are no other bad debts, the bank must refund this fee.
Mr. Chen said that he had waited at home for more than three months and had not received the notice from the guarantee company. In desperation, he had to continue to consult the guarantee company, but found that he could not find the telephone number of the salesman and the person in charge of the company, nor could he find the office space.
In this regard, the bank said that because many customers like Mr. Chen recently asked the guarantee company for a deposit, they were also actively contacting, but they could not contact the person in charge. Without the signature of the enterprise legal person and the official seal of the unit, the advance payment of the enterprise deposit cannot be started.
The guarantee association said that it had been removed from the list, and the company might have run away.
According to the telephone provided by Mr. Chen, we called the relevant person in charge of an investment guarantee company many times on June 5438+07, but no one answered. Subsequently, after searching online, we found that an investment guarantee company claimed on major recruitment websites that it was incorporated in July 2007, and its main business includes: car mortgage, real estate mortgage, bank financing, bank guarantee and so on. The main cooperative banks are China Merchants Bank, China Bank, China Industrial and Commercial Bank, China Construction Bank, China Agricultural Bank and Bank of Communications. We called the office phone registered on the web page and found it was empty.
We found that the documents issued by Shandong Guarantee Industry Association in 2009 showed that an investment guarantee company was an individual member of the association. "It has been removed from the list." On the afternoon of 17, the relevant person of the association said that the investment guarantee was cancelled by the association as early as the year before last because of long-term non-payment of fees and participation in activities and poor credit rating. Regarding the situation encountered by Mr. Chen, the person said that the guarantee company may "run the road".
Bank statement: the cooperation has been terminated, and it is difficult to settle without the official seal of the enterprise.
"We have no choice." Mr. Li, head of the credit department of a branch of a bank, said that the repayment deposit is the fee paid by the customer to the guarantee company, and all contracts and payments have nothing to do with the bank. They can only try their best to help customers negotiate with the person in charge of the guarantee company. If the guarantee company does not come forward to stamp and sign, the advance payment of the deposit cannot be started according to the regulations. According to him, the guarantee paid a deposit of more than 50,000 yuan in the bank, while the outstanding loan customer deposit totaled more than 20,000 yuan. In addition to Mr. Chen, many customers in similar situations often ask the bank for money.
According to Mr. Li, the bank will conduct an overall evaluation of the guarantee company every year. Due to the serious contraction of business volume in the past two years, the bank cancelled its cooperation with an investment guarantee company last year, but the deposit has not been returned to the guarantee company because all the previous loan customers have not been settled.
On the evening of 17, we learned that a branch of a bank applied to a branch of a bank on 17 to use the investment guarantee deposit to pay the deposit of the paid-off loan customer urgently. Mr. Li told us that the branch had agreed to start the emergency plan. 17 In the afternoon, he took out a deposit of more than 20,000 yuan and paid it to several customers. Mr. Chen said that he wrote a note in the branch that day and handed the original certificate of deposit to the bank. That night, its bank card showed that it had been scored 3600 yuan. If the car loan has been paid off, the renewal deposit will not be refunded. @20 19