Most people like to buy a car in full when buying a car, because the procedure for buying a car in full is simple and there is no additional fee to pay. Although buying a car in installments can alleviate some of the economic pressure, the car owner pays a part of the extra money, and sometimes encounters bad businesses, and may also face the risk of being increased.
Ms. Guo of Hubei originally planned to buy a Cadillac XT5 in full, but the sales told her that she had a staging task that had not yet been completed, hoping that she could help. And the sales also told Ms. Guo that the difference between the loan to buy a car and the price of the car in full was only 5,000 yuan. Ms. Guo discussed with her family and felt that the gap between the two ways of buying a car was not large, so she agreed to buy a car in installments.
On the same day, Ms. Guo paid a deposit of 20,000 yuan, and the sale also opened a car purchase contract for her, which said that the down payment was 220,000 yuan, and the remaining 100,000 loans were repaid in 36 installments. These were all discussed by the two sides at the beginning, and Ms. Guo had no objections. However, after getting the receipt, Ms. Guo saw the stamp and interest on it, and found that she had been deceived.
Ms. Guo said that she was looking at a car in a local auto trade city, and at that time, she made it clear to the sales that she wanted to buy a car at a 4S store, but the stamp on the deposit receipt was another auto trading company. The salesman told her it was one of their local branches. Ms. Guo did not believe it, called the local 4S store to inquire about the relevant situation, but the reply was that the store had nothing to do with them.
Ms. Guo felt that she had been deceived, and after returning home, she inquired about the car sales company on the Internet, and found that it was not only herself who was deceived, but also many local car owners had the same experience. However, the matter did not end here, the sales staff also told her that in addition to the previously said 5,000 yuan renewal deposit, there is also a loan fee of more than 18,800 yuan that must be paid, and another 2,800 yuan of insurance premiums, which add up to nearly 30,000 yuan.
Ms. Guo felt that this was the routine of sales design, deliberately deceiving herself, she could not trust the auto trade city, so she found the sale and asked the other party to refund the 20,000 yuan deposit originally paid. However, the sales forced her to tell her that it was impossible to refund the deposit and must be executed according to the contract.
Ms. Guo was angry and complained to the local industry and commerce administration. The staff of the industry and commerce department accompanied Ms. Guo to the auto trade city for consultation, but they still did not agree to refund the deposit, but told Ms. Guo that she could not pay a loan fee of 18,000 yuan, and the rest continued to be implemented in accordance with the contract.
But Ms. Guo does not want to continue to buy cars here, she feels that this company has no bottom line, in order to make money, deliberately designed traps, and tricked people into it. The staff of the relevant departments said that they only played a regulatory role, and if the other party was unwilling to return the deposit, the mediation would be terminated, and then the judicial department would intervene, and Ms. Guo could file a lawsuit with the court.
Originally, the owner of the car was to help the sales staff complete the task of installment sales, although it cost thousands of dollars more, but they did not care too much. However, after paying the deposit, he was asked to pay three additional fees, and this kind of thing will feel cheated on anyone. This incident also tells us that if you have the strength to buy a car in full, don't listen to others to take a loan to buy a car. In addition, buying a car needs to find formal channels for trading, so that we can protect ourselves.
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