These two years, a variety of "consumer loans" are unprecedented low threshold, penetrate our lives. Rental housing has "rental loan", training has "training loan", and even beauty have "beauty loan" ......
Most of these "consumer loans" are branded as "0 interest, 0 down payment, 0 fees", but what is the truth? These claims can "solve the urgent needs, early realization of the desire" of the "consumer loans", why has become some consumers lingering nightmare?
This year, on March 15, the Morning Post (microblogging) focused on the issue of consumer loans. (microblogging) focused on the "consumer loans" some of the chaos, hoping to give every consumer a wake-up call, but also hope that these "consumer loans" can thrive and standardize the growth of the real service to every consumer in need.
For beauty seekers, the "0 interest, 0 down payment, 0 cost" slogan of the medical beauty installment products, to bring a shortcut to pay for the high cost of surgery.
However, for beauty seeker Liu Na (a pseudonym), the medical installment business is not as beautiful as it sounds - medical installment loans not only did not make her beautiful, but also made her back 100,000 yuan of debt, and the family is not happy.
After plastic surgery, the size of the two eyes is asymmetrical
"Now in this situation, I will not pay back the money. Because my eyes are a big one and a small one, I am not satisfied with this result." Liu Na said.
Liu Na recalled that she decided to have plastic surgery in October 2016 after being persuaded by the staff of Xingcai Medical Beauty Clinic (hereinafter referred to as Xingcai Beauty). The plastic surgery, worth 100,000 yuan, included facial lipofilling, oculoplasty and rhinoplasty.
In fact, Liu Na had wanted to have plastic surgery for a long time, but had been hesitant. The reason why she made up her mind this time was that the plastic surgery hospital promised that she could pay for the entire surgery through a loan, and instead of being charged handling fees and interest, it would also give her a free iPhone 7, which had just been launched at the time, and help her pay for her eight-day stay in Shanghai (quoted at 8,800 yuan).
Liu Na said that Xingcai Beauty did fulfill its promise, paying for her hotel stay and helping her apply for a 100,000 yuan medical beauty installment product on two platforms, "Star Plan" and "Shanghai Express Installment. The company also helped her apply for 100,000 yuan of medical beauty installment products on the "Star Plan" and "Shanghai Quick Installment" platforms. According to the agreement, Liu Na should repay 8333 yuan to the two platforms every month.
"As soon as I looked in the mirror after the surgery, I realized that there were serious problems with my eyes." Liu Na said that after the surgery, her eyes appeared "asymmetrical in size and her left eye could not be completely closed." "Now this look is not as good as I used to look, and I don't dare to go out without makeup."
"The reason why the left and right eyes are not the same size is due to the patient's congenital condition. All we can do is try to correct it." Manager Guo of Star Cai Beauty explained.
Given the condition of Liu Na's eyes, Star Cai Beauty repaired them and promised to continue repairing them for her if the results were not good, or to help her pay for the cost of continuing the repair.
However, after several repairs, the asymmetry between Liu Na's two eyes could still be seen. Because it is hidden from her husband loan plastic surgery, now poor plastic surgery, Liu Na does not know how to explain to her husband, 100,000 yuan of medical installment loans also let the couple's relationship has become no longer amicable: "The pressure to call the loan there, and I'm not as good-looking as I used to be. Our relationship, not as good as before."
Loan "0 interest" in name only
In Liu Na's opinion, the reason why the plastic effect is not good, because the plastic surgery institutions did not really provide her with 100,000 yuan worth of plastic surgery services.
"The reason why I chose this institution, willing to loan 100,000 yuan plastic surgery, because they claim to have done plastic surgery to the stars, naturally hope to be able to rectify the effect of 100,000 yuan, but this hospital simply did not 100,000 yuan all in my face, so there will be a poor result." Liu Na said, her judgment stems from the refund and Star Cai beauty of a negotiation: at that time, after several times on the eye for repair, Liu Na to Star Cai beauty lost confidence, so to the other side proposed, will be the cost of eye plastic surgery refunded to her. Later, the Star Cai beauty agreed to her request, but its proposed refund program but Liu Na was shocked.
"They proposed that, first of all, out of the 100,000 yuan, they would deduct the 12 points of interest paid by Star Cai Beauty to the lending platform, then deduct the cost of the iPhone 7 that was gifted to me, and then deduct the cost of the hotel that was paid for me, and finally refund the rest." Liu Na said, "When you do the math like this, the cost spent on my face is only 60,000 to 70,000 yuan."
"I feel like I've been cheated, it's obviously 0% interest, but in reality it's interest paid with the money I borrowed. Why did I take out a loan of 100,000 yuan when I could do it for just 60,000 or 70,000 yuan?" Liu Na feels that the so-called "0 interest" is actually a kind of deception.
To this, Star Cai beauty Guo manager responded: "We do have to pay fees to the financial platform, using the financial institution's money is certainly to pay fees. However, we do not think this is the main reason why she refused to pay back the loan, as far as I understand, it is more because of her personal mentality problems and reasons at home."
False loan application information
In addition to being dissatisfied with the plastic surgery results and accusing the "0 interest" loan of false advertising, Liu Na was reluctant to pay back the loan for another reason: the loan information that Star Cai Beauty asked her to fill out was false.
Liu Na said that before the plastic surgery, she will be her own situation and the recommender said very clearly: they do not have a job, no income, at home with children. Her husband earned all the money in the family, but he didn't realize that she would have to spend so much money on plastic surgery.
In this case, how exactly did Liu Na pass the loan review?
"The loan company called and asked me how much I earned or something, and the hospital wrote the answer on a piece of paper for me to read, and all the information on it was fake, none of it was my real information." Liu Na said, when applying for a loan, in addition to the name and identity information is her, almost all other fake, "they have been urging me to hurry up, saying that it is difficult for me to apply for a loan, the whole process is they take my cell phone to operate, I do not know what they filled out."
But Liu Na's claim was flatly denied by Star Cai Beauty: "We just taught her how to use the APP and so on, and all the information was provided by herself."
"We are aware of her situation, she does not make money, but her husband makes money." Guo, manager of Star Cai Beauty, said bluntly.
[News extension]
Reporter unannounced visit: apply for a loan a lot of personal data can be man-made "packaging"
November 23, 2016, the Morning News reporter to seek the identity of the beauty, to the Star Cai beauty unannounced visit. A beauty consultant received the reporter and gave a specific plastic surgery program.
When the reporter informed the consultant that he did not have cash on him and had been unemployed for a long time, the consultant proposed that plastic surgery could be carried out by way of medical beauty installment payment.
"But I have quit my job and now I am not earning." The reporter said.
"It's okay, you can find a friend of yours, say he is the supervisor of this unit, pick up the phone of the loan company and tell them that you are working here and earning a good annual income." The counselor suggested.
"But I don't have a flat at the moment."
"Just tell them I work at so-and-so KTV and earn something like 30,000 or 40,000 a month."
"But I haven't worked in a nightclub, I don't want to say that." .
"If you truthfully say, 'I only make $6,000 a month,' the lending side (meaning the lender) is not going to be happy. With this income, you can't make ends meet, so how can you pay back the loan?" The counselor said.
After determining that the reporter was able to arrange for a friend to "help", the counselor took the reporter to a room dedicated to the loan business.
A staff member who handled the loan told the reporter that in addition to filling out personal information such as his parents' cell phone numbers, he also needed the reporter to provide a credit card or a debit card from one of the four major banks, an Alipay account, a cell phone number that he had registered and had been using for more than three months and a personal ID card.
"I don't use Alipay, and I don't have a credit card or a debit card from one of the four major banks." The reporter said.
"Then can you register an Alipay now? You can use the Sesame Credit score in it after you register." The staff member said.
The loan officer also suggested that the reporter, you can immediately go to the bank to do a card, used to handle the loan business: "There is a bank downstairs, go to do a bank card can be."
Liu Na also confirmed to the reporter, in addition to the staff of the Star Cai beauty to help her fill out the information, she provided account information is also similar to the reporter's unannounced visit to be asked to provide the information: "I provided a bank card number without any deposits, a Sesame Credit score naturally growing to more than 600 points of the Alipay account, as well as my cell phone number and ID card number. "
"Star Plan": the assessment is all-encompassing, not just the information filled out by the customer
Only some half-truths and half-fakes are needed to get tens of thousands of dollars in loans, but for those who do not have the ability to pay back the beauty seekers, will such convenience become a burden they can not bear? The approval of the lending platform, is it too hasty?
In this regard, Star Plan, one of the medical beauty installment platforms that loaned money to Liu Na, said that the approval process Liu Na went through was not as simple as it seemed. "In the entire application process, 'Star Plan' applies equipment probes, equipment fingerprints, Internet crawlers, social hugging and other technologies, it seems that the customer only fills in a number of fields, the actual derivation of thousands of data points, used to assess the customer's comprehensive qualifications. Income is only a small part of the many decision-making factors, and a set of strategic models are often used to estimate a customer's actual income, not simply trusting the information the customer fills out."
"All of our models use no fewer than a hundred fields, which complement each other to predict a client's ability and willingness to repay from different perspectives, ensuring that the assessment of each client is an all-encompassing, comprehensive consideration." The "Star Program" also said that they judged that Liu Na belongs to the "higher willingness to operate, better personal qualifications, and a good overall score of the user".
"Star Plan" believes that "the core problem of Liu Na's case is that the customer and the hospital because of the surgical effect of medical service disputes"