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Loan customer: Car dealers will not return invalid loan documents.
Ms. Wang said that on October 3, 65438/kloc-0, she bought a car with a loan from the car dealership100000. At that time, the bank that signed a contract with Ms. Wang was the Agricultural Bank of Chengdu Shuangliu. She provided the originals and photocopies of ID cards, real estate licenses, household registration books and other documents, signed more than a dozen contracts, pressed her fingers to print and video, and then said that she would wait for the bank's notice. The staff of the car dealership informed Ms. Wang on 17 that the Agricultural Bank failed to pass her loan application and found another bank to ask her to sign another one. After signing, Ms. Wang asked the dealership to return the previous application documents to her, but the employee of the dealership said that it had been destroyed. Ms. Wang thinks that it is unreasonable for car dealers to do so. What if someone takes those procedures to borrow money in their name? Ms. Wang doesn't know how to deal with this matter. Besides, is it legal for car dealers to do this?
Dealer's reply: Relevant application documents have been torn up.
The reporter contacted the car dealership mentioned by Ms. Wang, and Xiao Chen of the car dealership said that the train that Ms. Wang bought on June 38+10/October 3 had been licensed. However, the loan application of the Agricultural Bank signed at the beginning failed, and the bank did not lend money. Subsequently, the dealership contacted Ms. Wang with Sichuan Tianfu Bank and asked Ms. Wang to re-sign the relevant documents and go through the formalities. The documents and procedures signed with the previous bank will never be kept by the dealer, but will be destroyed. If Ms. Wang insists, the dealership can only give her the torn materials. Ms. Wang called the reporter on June 5438+08, saying that the car dealership informed her to pick up the application materials that had not been passed before. In fact, it was not the documents that the dealer said were destroyed, but the information was torn up face to face. The employee of the car dealership said that the contract signed with the car dealership could not be given to Ms. Wang.
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Lawyer's statement: the customer has the right to ask the bank or car dealership to return the documents and materials.
Ms. Wang's loan application procedures have been completed, including copies of relevant documents and the original contract signed and confirmed, but the bank failed to apply for the loan. If the applicant does not ask for information, will it bring any trouble to the applicant? In this case, the lawyer said that Ms. Wang Can asked the bank applying for the loan to verify whether the loan was approved. If the loan fails to pass the examination and approval, she can ask whether the bank will return the application materials to the applicant (individual banks have regulations that it will not be returned and the bank will file it). If the bank has returned the application materials to the dealership, but the dealership does not return the relevant materials to Ms. Wang, the behavior of the dealership violates the principle of good faith. If criminals use customer application materials to engage in illegal activities or disclose personal information of customers, the victims and public security organs may investigate the civil liability or even criminal liability of relevant personnel.