Black intermediary bundled network loan platform set up: being sent away without housing, still have to repay the loan.

category:Global
 Black intermediary bundled network loan platform set up: being sent away without housing, still have to repay the loan.


In May 5th, case 37 visited the rental agency, Hao Yuan Heng ye, which is located at the Yizhuang open core center store, and there is no logo outside its door. Chen Wanting, an intern The monthly rent of a single bedroom is often several thousand yuan, which accounts for most of the expenses of many North drift which is not well off. Shen Jian, who graduated from university last year (a pseudonym), applied for a job in a Internet Co in Beijing. He works in a company in Yizhuang, in order to facilitate the work, he through a harmony real estate intermediary companies in the Yizhuang area to find shared housing. One pay three, which makes him work a lot of pressure, and the rent payment platform in the one pay one, for the hand is not enough of Shen Jian, natural is the most cost-effective. Intermediary does not say that it is loans, not to mention interest, just say that on the platform walk according to the process. At the request of the intermediary, he also took photos on the payment platform and submitted bank card information according to the necessary procedures. After accidental hearing that the platform paid more than the loan, Shen established the inquiry, found that the so-called payment platform is called Hui man loan loan platform, and he has a loan record of 22000 yuan on the platform, which is the installment payment of the previous intermediary. At that time, I thought it was their companys own software, in order to facilitate tenants to pay rent. Shen Jian then consulted customer loan customer service staff, learned that once overdue 15 days did not repay in time, will affect personal credit and credit. Last December, Beijing Hao Yuan Hengye real estate brokerage Co., Ltd., a staff member found Shen Jiancheng, harmonious real estate has been acquired by Hao Yuan Hengye, need to sign a new contract. Shen Jian recalled that at that time, the staff asked him to sign a new contract and use a loan platform called Yuan Bao e home to make payment. At that time, the intermediary said that we should first bind the platform of e home , and then release the loan of Hui Ren loan . Shen Jian worried that the intermediary could not release the loan of beneficiary loan according to his promise, and refused. In one way and another, Shen Jianmeng gave birth to the idea of returning a house. The intermediary told him that after the check-out procedures were successful, the loan on the loan to benefit platform would be lifted within 20 working days. The 11 month is Shen Jians repayment day. Before retiring, it is close to the day of repayment. 17 days later, the intermediary finally helped Shen Jian to lift the loan, but it had already passed the latest repayment date of the loan platform. Shen Jian in the beneficiary loan platform staging details show that the April bill is overdue. The installment details of Shen Shen on the Huizhou loan platform show that its April bill is overdue. APP screenshot No room to live and still have to repay the loan Although it has not yet been found whether the overdue time will enter personal credit records, Shen Jian decides that renting a house will not need the so-called installment platform. Shen Jians experience is not unique. Lu Qin (a pseudonym) is also using the platform payment, which leads to his dilemma of not having room to live but repayment. Lu Qins probationary salary is only 5800 yuan. When renting a house, the intermediary tells Lu Qin that he needs to pay one to pay three, that is to say, a one-time payment of 4 months rent is nearly 10000 yuan. In the process of finding a house, Lu Qin contacted Beijing Hao Yuan Hengye real estate brokerage Co., Ltd., a agency told Lu Qin, the use of the e home platform to pay one payment can greatly reduce the pressure of your house. After Lu Qin signed the contract, he paid the payment on schedule every month. But one day at the end of February this year, the landlord suddenly came to Lu Qin residence, and said Haoren Hengye did not pay the house money. He did not intend to give the house to the agency again, and let Lu Qin find his house again, and quickly moved away. A staff member told Lu Qin that 1 to 30 working days could be returned, but we must first move out of the house to discuss. Internet search Hao Park Hengye, found that their credibility is very bad. Lu Qin worried that if the first move out of the house, intermediary companies and arrears of housing, when looking for a new house to face one payment three of the money, he will not be able to bear, I am afraid that no place to live, on the streets. Open the yuan treasure e home platform to view, Lu Qin found that more than 15000 yuan still has not paid off the house, but he can only first pay the repayment according to the intermediary requirements, I also expect to be able to buy a house in the home later. If I fail to repay the bill on time, it will be more harm than good if I fail to pay for my personal credit. In April this year, the agency issued a house refund agreement for Lu Qin and said he would return the money from Lu Qin to him, but by April 28th, Lu Qin had not received a refund from the intermediary when he received an interview with the No. 37 of the heavy case group. More than 100 tenants build the WeChat group Shen Jian and Lu Qins renting experience involve the same intermediary company: Hao Yuan Heng Ye. The intermediary told the detective team 37, the Yuanbao e family is a rent staging platform which is co operated with Hao Yuan Heng Ye. This platform says plainly that you rent our annual rent to our intermediary company, and you return to the platform one month a month. You dont need to go out and bind your own bank card every month. The bank card balance is enough for one months rent, and there is no interest. For why to use the software to rent, the intermediary said that the main business volume is too large, the platform pay time and labor, this platform is our third party platform for cooperation, you want to say that our company, there is no trouble. Online enquiries about Hao Park Hengye, many complaints are related to the net loan platform. In the two name Hao Yuan Hengye contract breach of rights group, a total of more than 100 tenants to participate in the complaint, of which most tenants in the unknowable situation in the loan platform to deal with the payment by installments, the final face of non housing still need to pay, or want to return to the problem of timely unbinding. In the interview with detective 37, more than 10 tenants also said they did not know that they were lending when they signed the platform. In addition to WeChats rights protection group, some tenants have also complained through other ways. Dog watching is a public number that provides information about rent and rental, and is committed to crack down on black intermediary and help tenants safeguard their rights. Beck, the founder of the case, told heavy case group 37. From the second half of 2017, tenants used a loan platform to pay rent. The biggest one called Hao Yuan Hengye, they bought a lot of small intermediaries to convert all the previous payments into third party loans. . Beck told agent No. 37 of the heavy case group that a total of 215 tenants had received complaints from the tenants in the backstage for the two years. Among them, there were 31 cases of Hao Yuan Hengye intermediary, which was the highest proportion of all the intermediaries that were complained of. According to its backstage data, in the intermediary deception tactics option, 112 people chose to be forced to bind the loan platform by intermediaries. The tenants in breach of the rights protection group of the Ho Ho Park contract are discussing the lending platform. WeChat screenshot With so many complaints, Hao Park Heng Ye is also officially known as the list. Logon to the official website of the Beijing housing construction commission, it is found that in March 27th this year, Beijing Hao Yuan Hengye real estate brokerage Co., Ltd. appeared in the list of 30 illegal intermediaries exposed in Beijing city housing construction commission because of the existence of rent deposit, irregularities, undocumented and unregistered management. In addition, in February 2018 and November 2017, Hao Yuan Hengye was disaggregated first and third of the list of complaints, and the notes were marked with no record. The registration data of industrial and commercial registration shows that Hao Yuan Hengye is registered as Beijing Hao Yuan Hengye real estate brokerage Limited, the legal representative is Wang Si Hui, and the legal representative is the dream bear (Beijing) Asset Management Limited company, Beijing Mei Ao real estate broking Co., Ltd. and so on. Companies, many of them are real estate agencies. Relevant information shows that Hao Yuan Heng Ye has been prosecuted for two times because of contract dispute, and has been listed in the abnormal list of business operations many times. In June last year, Wang Si Huis dream bear Asset Management Co., Ltd., by buying other intermediary companies, asked tenants to sign a contract and bind the loan platform to pay the rent. By contrast, Hao park has the same business as dream big bear. In view of the delay in the lending platform, the staff said that there are many companies that have been acquired, and that there are many companies that have been bought and acquired by Hao Yuans e family. They all need to agree on the line from the line to the unbound. In the 7 working days, it is impossible to solve the problem. Only the user will finish the check-out procedure in a week. We cant solve this problem, unless we say someone cant pay the money. For other questions, the staff indicated that they needed to interview, and then hung up the phone. The wool is on the sheep. As Hao Yuan Hengye intermediary highly recommended payment platform, the yuan treasure e family really as they said there is no interest? The fact is not the case, according to the Yuanbao e family staffs statement, is nothing more than the intermediary by raising the rent way, let the tenant feel interest free, say white wool out in sheeps body When the money is out of the tenant. According to the companys introduction, Yuanbao e is the first domestic innovation to launch the rent installment business, and is committed to building a service family consumption financial service platform, involving a variety of consumption types, such as rent, decoration, travel and so on. Yuanbao E has two customers, namely, ordinary APP and merchant APP. In the ordinary APP, we can see that the main business of the platform is two types of rent installments and home decoration phases. In April 30th, No. 37 of the crime squad was contacted by the E company in the name of an intermediary company to inquire about the cooperation. A worker surnamed Li told agent 37 of the heavy case group, if the agents intermediary company has more than one years business hours, more than 200 units in the hand can cooperate with the platform. According to its introduction, Yuanbao e home platform supports 2 to 11 installments of rent. Lets take one year for example, that is to press one to pay twelve, then you charge one of the tenants for one, the rest of the eleven phase is paid by us, that is to say you take 12 months rent, and the tenant will pay our money in installments. You can get the rent in advance, and then you can collect the room. For the intermediary no interest statement, Li staff said that the installment will certainly produce interest, different loans long, the interest is not equal, 2 to 4 period of interest is 4%, 5 to 6 is 5%, 7 to 11 is 6%. The staff said, as for who to bear the interest, it is between the intermediary and the tenant, many intermediary companies will raise the rent appropriate, and then add interest fees to the rent, by the tenant to bear, and intermediary through this means of operation, can also allow tenants to feel through the platform to pay rent is interest free. It goes without saying that wool comes out on sheep, whenever the tenant comes out. According to him, at the time of last year, the co - agency company was able to get a user for each e home for 100 yuan, and as the platform began to launch, since last December, it no longer returned to the intermediary company. When the detective of No. 37 case team asked if he had co operated with his company, he said, yes, they are two families. The APP page of the mobile phone e home. APP screenshot This is a win-win mode for intermediaries and platforms, but all risks are passed on to vulnerable tenants. Beck said that Shen Jian and Lu Qins renting experience can well reflect the risks faced by the tenants in this mode: the monthly renting is a real period of repayment, which may lead to overdue and influence personal credit. For overdue issues, the staff of the e family told the heavy case group 37, if the tenants pay the overdue payment, the platform will be one day, the second days will contact the tenant, if the tenant still fails to repay the payment, it needs the intermediary company to cooperate with the money. Three days before the time of overdue, there is no deferred payment, but if there is no repayment in the fourth day, there will be 1/1000 interest per day as a late payment, and the tenant will also affect his own credit. In this case, agent 37 of the heavy case group called the Bank of Chinas loan department, a staff member said that the bank would make a comprehensive evaluation according to the credit record. If there was a query to the customer in the credit system, the network loans were not paid off, to some extent, it would affect the approval of the loan. If the customer has only one issue, and the past credit record is good, it can still handle the loan business; but if the customer has two or three arrears, it will not be able to deal with the loan business basically. In addition, if the customer has bad credit record in the credit information system because of net loan, the floating interest rate will be raised appropriately, and the return to loan ratio will also be affected. Tenants may affect personal credit due to overdue loans. Photo source / Beijing News News Misleading the use of credit software for fraud In the interview, the heavy case group 37 found that a lot of tenants who were misled to bind the lending platform did not know how to solve it. Most of them only hope that the intermediary companies can help themselves to tie up the lending platform at an early date. In the afternoon of May 4th, agent No. 37 of the heavy case group contacted the Beijing Municipal Construction Commission on the matter. A staff member reminded that the agency should pay attention to whether the intermediary company had relevant procedures or not, and if the tenants found their own interests damaged, they could pass the 12345 hotline or the government official network and other complaints in time. 12345 hotline telephone operator told agent No. 37 of the heavy case group. When there are such complaints, the public needs to prepare the specific name of the intermediary company, the company address, and register the relevant information of the citizens themselves, and then the hotline will transfer the relevant record information to the functional departments to help the citizens to protect their rights. The real estate agency misleads tenants to use loan software because of its false representation, which is a civil fraud. Wang Changqing attorney Wang Changqing, a lawyer of the law firm of Ze Yong, said that if the real estate agent used the illegal possession for the purpose of making up the facts, concealing the truth and obtaining the loan of the super rent period, the tenant still took responsibility for the loan after the housing expired and reached a certain amount, which could violate the criminal law and constitute a crime of fraud or contract fraud. It should be held that the tenant can ask the intermediary to compensate for the loss. Liu Changsong lawyer of mousse law firm also believes that if the intermediary company recommends the payment platform, it is not clear to the tenant to inform the loan software, which constitutes a fraud. The relationship of fraudulent loan contract has been established, but it can be revoked and revoked from the beginning. In view of the loan platform, Wang Changqing, a lawyer in Beijing, said that the loan platform has the obligation to inform the tenant of the risk, and the obligation should be uncovered. If the lender is aware of the fraud of the real estate agency, the tenant has the right to cancel the loan. If the lender is not aware of the fraud of the real estate agency and brings losses to the tenant, the tenant may ask the real estate agency to bear the liability for compensation. Wang Changqing lawyers said that in such events, tenants generally have a certain fault, such as not carefully looking at the relevant content of the platform, the relevant documents or copies to the intermediary, and so may also take part of the adverse consequences. In January this year, the organic structure of Beijing black intermediary survey results. The source of this article is: No. 37 editor in chief of case group: Xun Jianguo _NN7379