Xiao Guo of Hangzhou is also a college student. Not long ago, because my face was affected by acne, I thought of a professional acne agency for help, in order to get rid of acne as soon as possible. But it was in this process that he accidentally fell into a peer-to-peer loan.
After some consultation by the acne organization, Xiaoguo was moved by the promise of the merchant. As a student, he doesn't have much money in his hand, but after some consultation, the cost of acne is very expensive. After several bargaining, the merchant gave the final price10.5 million yuan. Although the merchant knows that Xiaoguo has no money, he is still willing to help him, and he is very cooperative in handling installment loans for him, and only needs to repay more than 800 yuan per month.
"At that time, I thought that I had directly divided the money and gave it to the anti-acne organization, but when I handled it, I discovered that it was originally a loan on a peer-to-peer lending platform. At that time, they had almost finished the formalities. " Xiaoguo said that he had gone through the loan formalities in a muddle, and at that time, the merchant also warned him that he must not say that he was a college student in the return visit of the lending platform, because college students were unable to repay.
However, Xiaoguo told the truth in the telephone return visit of the lending platform, but even so, the loan was not long. Next, Xiaoguo also hopes to go to an acne institution for acne treatment. At the same time, he also has some regrets. After all, this 10000 yuan is still unbearable for a poor student. However, the head of an anti-acne organization comforted him: don't tell your parents about this situation yet. When the anti-acne works, parents will naturally be willing to pay for the loan.
But after a while, he found that the acne on his face did not improve. Going home on holiday, he was afraid to mention it to his parents. The acne on the face was later cured in the local regular hospital, which cost hundreds of dollars. Seeing that the acne on my face is almost the same, I think that the treatment of acne institutions has no effect, and I have to bear huge debts. Xiaoguo thought of talking to the other party again and trying to cancel the loan. He was willing to truthfully settle the expenses of the previous treatment.
When I arrived at this acne agency, after an hour of secret talks, the dust finally settled. "They said they could cancel my contract. The previous six consumer settlement fees were 2,980 yuan. " Xiao Guo said that the result was acceptable, but the acne structure denied that Xiao Guo was instructed to lie that he was not a college student before last month and did not tell his parents the truth.
However, the reporter found a "warning reminder" posted by the local police station at the front desk of the merchant's shop to remind the customers that there had been many consumer disputes in the store. The root cause of the dispute was that the customers did not understand the loan consumption stages. The person in charge of the business also admitted the matter and said: The purpose of posting this notice is to inform consumers of rational consumption.
Although the young man lifted the online loan contract with the merchant as he wished, the "catty" behind it also surfaced, and many people fell into peer-to-peer lending like Guo. In my opinion, merchants still give students online loans even though they know that they have no repayment ability. Afterwards, in order to cover up, they also asked students not to tell their parents. This kind of thing has been somewhat fraudulent. Even if Xiao Guo cancels the contract, thousands of dollars of acne expenses are still the price he must pay for it. For businessmen, it is really a good means for this profitable business.