Credit Companies Use Small Credit To Defraud Money.

Recently, Ms. Lee reflected that she failed to get loans through consulting companies, but was withheld from the "consultation fee".

According to Ms. Li, in order to do business, she needs 100 thousand yuan loan, because the bank has strict examination and approval procedures, and needs to provide all kinds of data, time-consuming and energy consuming.

So Ms. Lee found a credit consulting company in the Huayin building of the provincial capital through advertising.

At that time, the staff of the consulting company promised her that the loans of all major banks could be worked out, and that more money could be given to her and 300 thousand yuan was loaned, and all the required information was prepared by them.

Thus, Ms. Lee paid 6000 yuan "consulting fees", and deliberately added a note on the contract. If the loan is not completed, the "consultation fee" will be refunded in full.

Ms. Lee said, at that time, the credit company promised to make loans in one month, but it has not been completed for three months.

Credit company staff told her that banks are too strict with small loans and can not handle them.

Miss Lee did not expect that the loan was not made, but the company found various reasons to deduct her 1000 yuan "consulting fees".

Ms. Li said that in the course of her negotiations, many people were asked to refund the "consultation fee" because they did not make a loan, and some even reported the police.

"I think the company may earn money by deducting the client's consulting fees, so it simply can't afford loans.

Because their business license is written by Real Estate Company, the chapter covered on the contract is also Real Estate Company, which is fundamentally out of line with the business. "

Ms. Li said that she did not want anyone else to lose money and time like she did, but it would not work.

In this loan mode, the reporter consulted several banks. The bank personage said that in addition to some specific loan items, such as second-hand housing loan, the bank may have certain agreement with the intermediary company. For personal loans, this mode of lending through intermediary companies or consulting companies is not accepted by the industry. Banks will not have any agreements with intermediary companies.

According to a staff member of a bank, although banks have microfinance services, they are basically in a "nominal" state.

According to him, the current bank loan approval is very strict, there is a phenomenon of grudging loans.

Bank loans will be combined with credit rating. Enterprises must provide three consecutive years of audited financial statements and other relevant information. SMEs can not get out of it at all, let alone personal loans.

It is this scarcity of microfinance that makes many people like Ms. Lee who have loan needs "sick and confused". At last, not only did they fail to make loans, but they lost a lot of "consulting fees" on the contrary.