Disputes over automobile loan of more than 100 car owners in Shandong Province

Recently, reporters have received complaints about car loans. Netizens who reflect the problem are concentrated in Weihai and Tai 'an. At present, there are more than 100 rights protection riders, and they all point their finger at SAIC Finance and Shandong Yuehai. The problems involved are mainly concentrated in: unable to recover the vehicle registration certificate after the repayment is completed, and the deposit and other expenses are delayed.

According to Shandong People's Broadcasting Station for Help, Mr. Li of Weihai reported in March 16 that he had encountered a car loan dispute. Unexpectedly, more car owners were involved in similar problems. The car loans handled by netizens are all contracts signed with SAIC General Motors Finance Co., Ltd., specifically handled by Shandong Yuehai Automobile Information Consulting Service Co., Ltd., a financial cooperation agency of SAIC, and the matchmaker is a 4S shop selling cars.

On October 25th, 2065438+2003/KLOC-0, Mr. Li bought the He _ car at JAC 4S Store in Weihai, with a total price of RMB 73,000. When buying a car, the store took Mr. Li to the local Guangdong company office to apply for a car loan of 50,000 yuan, with a loan period of three years. Mr. Li mortgaged the "Motor Vehicle Registration Certificate" of the new car, chose to buy the vehicle commercial insurance recommended by Yuehai Company according to the requirements of Yuehai Company, and paid the auto insurance deposit of 2,500 yuan. However, in June 5438+10 this year, when the loan was about to be paid off, he accidentally received a short message from SAIC Finance: Weihai Yuehai Company closed down! The insurance deposit and vehicle registration certificate suddenly disappeared.

Mr. Li said: "The 4S shop told us that we don't have to worry about anything. They help us manage everything. They kept all the contracts and nobody gave them to us. I didn't expect him to go bankrupt. SAIC Finance said that there was a cooperative relationship before, and now the cooperative relationship has been terminated, and all deposits must be found in Yuehai. "

On the morning of March 17, the reporter reflected Mr. Li's question to the financial manual customer service. The customer service staff said that there was something wrong with the dealers in Shandong and they were looking for other agents. Vehicle registration certificates of other cities have been issued to dealers, and Weihai area is under negotiation. In addition, the customer service staff said that their financial company wrote in the contract that "only the real estate license is pledged, and there is no money". They are two companies with distributors. Therefore, the deposit should be collected by the dealer. Ask 4S's shop.

Upon verification with Mr. Li, the 2500 yuan deposit slip in his hand was not issued by finance, but stamped with the financial official seal of Shandong Yuehai Automobile Information Consulting Service Co., Ltd., and the financial customer service staff said that "the loan contract stated that only cards were accepted and no money was collected", but the contract owner did not. Now the loan has been done for nearly two months, and the vehicle registration certificate has not been returned as promised.

On the afternoon when the reporter intervened in the interview, Mr. Li received a financial reply, saying that his motor vehicle registration certificate could be returned. Soon, he got the vehicle registration certificate and finished the vehicle release procedures.

Mr. Li: "I went to get that big green book yesterday. The man told me that I would take a dozen people. From then on, because others asked him for a deposit, he ignored other people's business. "

It is understood that the staff handed over to Mr. Li is Shandong Tianhui Automobile Consulting Co., Ltd., the latest financial co-organizer in Weihai, but another company, Longsheng Heyuan Automobile Finance Service Company, helped him release the vehicle. What is the relationship between these companies? We still don't know.

In addition, through the recommendation of Mr. Li, the reporter joined a "Yuehai Cheyou Rights Protection QQ Group", among which 94 car owners have encountered similar problems, most of them are Weihai locals. With the questions of these car owners, on March 18, the reporter called the financial customer service hotline again, and Ms. Gu, the supervisor of the hotline, replied that it would start one after another.

Ms. Gu: "We will issue all the car books in a unified way, because the dealers have not found them before, and now they have signed contracts with other dealers, hoping to help customers solve the problems as soon as possible."

On March 2 1 day, some car owners of weihai yuehai driver rights protection group sent the latest news: "Yantai authorities informed weihai that car owners who have paid off their car loans can get the motor vehicle registration certificate from the 4s shop". At the same time, many car owners have obtained registration certificates and gone through the formalities of vehicle release at Yekou Vehicle Management Office in Liulin, Weihai. The vehicles have been released one after another, but there is still no news that all owners have paid the deposit, deposit and other fees.

In addition to the fact that the deposit cannot be refunded at present, the reporter also received complaints from many car owners in Tai 'an and Zibo, all of which are related to the car loan dispute business of SAIC Finance and Shandong Yuehai. SAIC Finance is said to be the largest professional auto finance company in China. Why don't professional financial companies give car loans to car owners? The company said it would close down, how can the organization guarantee the follow-up service? Besides Weihai, how to solve the similar problems encountered by riders in Tai 'an and Zibo? Can everyone get their deposit back? The reporter will also continue to do follow-up investigation.

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