A few days ago, a number of citizens reported to the reporter of Mingcheng Suzhou that they were "tricked" by a postpartum care center, and were induced to cash out through online loan platforms and credit cards, and then recharge at merchants, often tens of thousands of yuan, and the most one customer had an online loan of more than 30 yuan, and tens of thousands of yuan in credit card cash, and finally fell into a vicious circle of loans.
The woman experienced 126 yuan of pelvic bone repair, and was recharged by the routine of more than 30 yuan, including 170,000 yuan of online loans
In January this year, Ms. Mao, who was sneezing and leaking a little urine, went to the "Panshi Yao Medical Postpartum Health Recovery Center" located in Jiarui Lane, Suzhou Industrial Park, and purchased a pelvic repair experience project of 126 yuan, and then followed the advice of the staff to buy packages such as "special private detoxification", "high-end pelvic service", "ovarian activation service" and other packages, as well as "plant extract rejuvenating care" and "pink temptation and antibacterial" and other set products, and paid a total of more than 49,000 yuan on the same day.
(Ms. Mao said that she was recharged more than 300,000 yuan by the "Pan's Yao Doctor" routine)
Since then, in accordance with the terms of the contract and the "arrangement of the store staff", Ms. Mao has repeatedly visited "Pan's Yao Yi" to receive services and purchase products again.
(Ms. Mao's recharge record)
Soon, the savings in Ms. Mao's bank card were wiped out, and she applied for online loans through Alipay Huabei, Borrow, and WeChat platforms under the guidance of the staff, totaling more than 170,000 yuan. It wasn't until the beginning of June that Ms. Mao's recharge in "Pan's Yao Medicine" was discovered by her husband, and she recharged more than 30 yuan in the store for more than 4 months.
(Part of Ms. Mao's online loan records)
Looking at the whole process of his wife's consumption, Ms. Mao's husband, Mr. Mei, believes that the store uses free experience, low-cost experience, and professional consultation as bait to attract consumers. In the process of experience, many traps are set to induce consumers to buy high-priced products and services through exaggerated propaganda and false promises.
"They even exploit the trust of consumers and induce them to take out loans to pay high fees, leaving consumers in deeper financial distress." Mr. Mei said that now their monthly online loan repayment exceeds 20,000 yuan, plus housing loans and car loans, the family's life has been seriously affected, and they can only consider selling the house to repay the loan.
The woman experienced breast enhancement and shaping, took out an online loan of more than 300,000 yuan, and was induced to cash out her credit card many times
Miss Wang (pseudonym), a mother of a 4-year-old child, went to consult breast augmentation after seeing the promotion of the "Panshi Yao Medical Postpartum Health Recovery Center" in Jiarui Lane, Suzhou Industrial Park, in September last year.
(Part of Ms. Wang's recharge records)
"I've had a baby for more than four years, how can I still have residual milk?" Miss Wang was puzzled at the time, but she couldn't withstand the persuasion of the staff of "Pan's Yao Doctor". After some manipulation, some liquid seeped out. On the same day, Miss Wang, who only wanted to experience the breast enhancement service of about 100 yuan, found multiple physical problems under the "inspection" of the clerk, and spent more than 20,000 yuan to handle packages such as Yao bath, breast dredging, and private detoxification.
(The clerk asked Miss Wang to go to the store for consumption)
According to Ms. Wang, the staff of "Pan's Yao Medicine" kept asking her to apply for new packages, because if she did not continue to purchase services, the previous effect would be wasted. After spending all of Ms. Wang's savings by purchasing packages several times in a row, the staff of "Pan's Yao Medicine" asked her to use online loans such as Huabei, Borrow, and WeLoan, and even let her cash out through a credit card.
"At that time, I was lying naked in bed, and several of them took turns brainwashing you, and my brain was also confused." Ms. Wang recalled that the staff of "Pan's Yao Yi" skillfully helped her operate various online loan platforms and recharge consumption.
(The clerk helps Miss Wang cash out)
"What's more exaggerated is that sometimes they can't identify their collection code when recharging in the store, and the clerk helps to contact many merchants such as cigarette hotels, beauty shops, and barber shops, and uses credit cards, Huabei and other cash-outs, and then goes to their store to recharge ......" From September last year to January this year, Miss Wang has recharged more than 40 yuan in "Pan's Yao Medicine", including more than 30 yuan in online loans, and tens of thousands of yuan in credit card cash, and she fell into the dilemma of supporting loans with loans.
Merchant: Every time you consume, you have to sign and confirm, and it won't work if you want to prostitute for nothing after you're done!
Regarding the doubts about "inducing consumption" reflected by consumers, Mr. Zong of the "Panshi Yao Medical Postpartum Health Recovery Center" did not agree.
"It's impossible for them to be induced." Mr. Zong said that the contract was signed by the consumer himself, and every time he purchased the package, he wrote the words "voluntarily, valid for one year", and the consumer repeatedly purchased the package.
"If consumers feel that their rights and interests have been infringed, they can take the contract and the consumption list to the court, and we will enforce the judgment of the court. If you feel that the merchant has committed a crime, you can call the police and the police will deal with it. In an interview with reporters, Mr. Zong said that countless times of consumption have been confirmed by his signature, don't think about doing it for nothing, it won't work.
However, Mr. Zong did not respond to consumers' feedback on "inducing online loans" and "cashing out credit cards".
Signing a "no return, no exchange" contract makes it difficult for consumers to obtain evidence and protect their rights
The reporter learned from public information that there are still many complaints against "Pan's Yao Medicine", most of which focus on "inducing consumption", "false publicity" and "inducing online loans". Consumers ask for a refund after discovering that they have been tricked, but it is too late.
(The relevant person in charge of "Pan's Yao Medicine" said in an interview that it is normal to spend sky-high prices to experience postpartum repair without effect)
According to a report by Suzhou Radio and Television Station in October 2020, Ms. Li, a citizen, complained that she recharged 270,000 yuan in the "Pan's Yao Yi" new district store within a month to experience postpartum repair, but the effect was zero. After she went to the "Pan's Yao Medicine" theory, Mr. Zong, the person in charge of the store at the time, made it clear: "It is normal that there is no effect, and it is normal and legal to have an effect." ”
Mr. Zong said in an interview with reporters at the time that he had signed a contract with the consumer at that time, and he would not return or exchange it, and emphasized that "not a penny will be refunded." ”
Since then, many stores of "Pan's Yao Medicine" have been exposed many times, but consumers are facing difficulties in obtaining evidence and protecting their rights.
According to the above-mentioned consumers, Ms. Mao, Ms. Wang, Ms. Li and others, they were all "frightened" after listening to the description of their physical condition by the store staff, and then listened to the recommendations and purchased expensive services and products, but in fact there was no corresponding effect. However, when they propose to refund and protect their rights, they are often identified as "contract disputes" because they have signed a contract, and it is difficult or costly to protect their rights.
(Some consumers were tricked into swiping credit cards for 147,000 yuan a day)
In this regard, a consumer bluntly said that "Pan's Yao Medicine" "wanders on the edge of the law, treats consumers as ATMs, and harms consumers".
Lawyer: The merchant can be sued for false publicity and inducing credit card cashing out for suspected violations
In this regard, Lu Yunliang, a member of the public interest lawyer group of the Suzhou Consumer Rights Protection Committee and director of Jiangsu Fengyun Law Firm, believes that the store signboard and logo of "Panshi Yao Medicine" are easy for consumers to understand that they are related to medicine, and the store does not actually have the qualification for diagnosis and treatment, so the store is suspected of false publicity, and combined with the services provided by the follow-up store, it is easy to constitute false publicity.
Lu Yunliang added that as an administrative department, after receiving consumer complaints, it should not simply look at the consumption process, but look at the complete chain, including store signs, advertising, etc., to see whether the consumer signs a contract with the store is based on the "medical" factor. According to the Law of the People's Republic of China on the Protection of Consumer Rights and Interests, if a merchant "makes false or misleading publicity about goods or services", the administrative department may impose penalties such as warnings and fines according to the circumstances, and consumers can also file a lawsuit with the court for "false publicity".
In addition, in response to the behavior of "Pan's Yaoyi" to induce and assist consumers to go to other merchants to cash out and recharge credit cards and Huabei, Su Ruiyi, a lawyer at Jiangsu Gongda Law Firm, believes that "Pan's Yaoyi" allows consumers to use credit cards to cash out, which is tantamount to using it as their own "ATM", which not only increases personal financial risks and economic burdens, destroys the normal market transaction order, but also is suspected of violating the law and committing crimes.
"For consumers, there is a risk that personal information will be leaked, and the bank will take measures such as reducing the credit card limit or stopping payment and blocking the card, and may even fall into the trap of cash-out fraud, resulting in property losses; For businesses that provide relevant services, if the circumstances are serious, they may be convicted and punished for the crime of illegal business operation in accordance with Article 225 of the Criminal Law, and may face serious legal sanctions. Su Ruiyi said.
Recently, under the continuous report of the famous city of Suzhou, "Pan's Yao Medicine" has refunded most of the fees to Ms. Mao, and the two parties have reached a settlement. There are still many consumers who have the same experience as Ms. Mao and others, report to the administrative department, find "Pan's Yao Yi" to protect their rights and ask for a refund. In response to the problems pointed out by consumers in the report that "Pan's Yao Medicine" is suspected of "false publicity", "inducing online loans" and "credit card cashing", Mingcheng Suzhou will continue to pay attention.