In order to avoid the bank to collect arrears, Xiao Jiang turned to a financial company and unexpectedly learned that he could solve it through "** rights protection".Can it solve the problem of Xiao Jiang's debt repayment?Let's take a look.
Financial Company Employees:In your case, oh, repay the loan in installments, and you have to go to the bank to apply for it yourself, and the bank will not give you interest-free
Xiao Jiang:You mean you can give me interest-free?
Financial Company Employees:Yes!We are a professional company, interest and handling fees are waived, those miscellaneous fees, there is no here, calculated, you want to save a lot, you can calculate it yourself.
Xiao Jiang:So what are you going to do?
Financial Company Employees:We'll definitely help you defend your rights.
Xiao Jiang is incredible:Rights protection ?......Me?I don't know.
Financial Company Employees:That's right. We help you defend your rights with the bank and apply to divide your arrears into 60 instalments, and ask the bank to waive the interest and handling fee ......
Xiao Jiang:How do I cooperate?
Financial Company Employees:So, let me tell you, it's normal to receive a collection notice for arrears, follow this step to ,......There is also a loan to support the loan, which is very good here, and there is no problem.
Xiao Jiang shook his head in admiration:You guys are really too professional.
Financial Company Employees:So you do what we say, and it's all right.
Xiao Jiang:Okay, let's go through the formalities.
Financial Company Employees:You provide your ID card, we need to sign a ** rights protection agreement, and there are several supporting materials that you need to sign.
Xiao Jiang:Rights protection ?......Okay, this is good!
...... after 1 month"Defend your rights".Brother Chuan:Can the company you said really help me get it?
Xiao Jiang:Anyway, I told you, just according to what they said, signed a few materials, and people just asked the bank to give me the right to maintain, and then paid 1000 yuan ** fee.
Brother Chuan:It's gone?
Xiao Jiang:It's gone?
Brother Chuan:Why don't you take me tomorrow to ask, my arrears are really a headache for me!
Xiao Jiang:Yes. Wait, I have a message on my phone.
Xiao Jiang turned on his phone:Oops!Brother Chuan, I'm going to go now. The bank sent a message saying that I had not repaid the loan on time, and I had already been on the credit information system, and the interest and handling fees were not wai......ved
What kind of business is it?
How to identify, avoid.
*What about the damage caused by "rights protection".
ICBC Guizhou Branch Guiyang Zhonghua Road Branch.
General Manager Yun Yue will answer for you.
General Manager of Guiyang Zhonghua Road Sub-branch of ICBC Guizhou Branch Yun Yue:"Rights protection" is essentially a "gray and black industry", which is usually manifested in the creation of false materials and malicious complaints, so as to deceive financial institutions to reduce interest fees and deceive consumers into paying additional fees.
General Manager of Guiyang Zhonghua Road Sub-branch of ICBC Guizhou Branch Yun Yue:Right. There are three main reasons for this.
First of all, "rights protection", as a black and gray industry, has a strong concealment. Consumers are often deceived by the veneer of their legitimate company and fail to identify the substance of their business.
Second, under the slogan of "free upfront", "payment after the fact" and "no risk", "*rights protection" can often attract a large number of consumers to consult with them, which eventually leads to fraud.
Third, consumers are not aware of the harmfulness of "rights protection", which not only fails to meet their demands, but will be required to pay transportation expenses, inquiry fees, lawyer fees and other expenses, and also increase the risk of personal information leakage.
General Manager of Guiyang Zhonghua Road Sub-branch of ICBC Guizhou Branch Yun Yue:Don't believe in the rhetoric of "interest-free", "no credit", and "no prosecution", but speak out through formal channels and protect your legitimate rights and interests. At the same time, pay more attention to the relevant information released by the public security organs, financial regulatory departments and financial institutions, and clarify the boundary between compliance and anti-collection.
