129770904396093750_118Reporters were also included in Shenzhen found that the salesman has taught customer fraud 16th, complained to the Shenzhen commercial newspaper accused Xu of Standard Chartered Bank "credit" is suspected of usury, the bank clerk is considered seriously mislead consumers, the loan to loan interest collection account management charge, even in the loan contract or hidden contract trap, trap hidden management fees + interest + contract penaltiesIncome equivalent to "loan shark". The truth, conducted a survey of reporters on this. It is worth mentioning that, when reporters accompanying the complainants were also included, Standard Chartered Bank sales should publicly teach customer fraud. 100,000-130,000 loans a year back in December 2010, Mr Tsui received Standard Chartered Bank to a salesman call, the salesman was familiar with Mr XuAbout Mr Tsui to Che Kung Temple in Futian, head of a company, please help to complete loan task. The salesman about Standard Chartered Bank "credit" very favourable interest rate of loans, loans for two years plus the interest only payment of $ 113,600 RMB about. Mr Tsui's monthly salary of 40,000, you do not need loans. Xu helped for good salesman to complete a 2-year period loan of 100,000Task 13 months and discovered accounts bail fees up to $ 71,500 (each monthly $ 5,500), still owe Bank 58622 principal. Loans of $ 100,000 a year later became a 130,122, plus interest and fees for two years is expected to cost close to 150,000! Mr Tsui hurry call sales phone, found that the salesman had to leave. Mr Tsui recognitionIn just 1 year, banks charge a fee equivalent to the interest of up to 30% of loan sharks. Journalist Baidu Standard Chartered Bank "credit", found on the end of the world, SINA weibo had consumers that Standard Chartered Bank "credit" is a loan shark, Mr Tsui's experience is not a single event. Reporters learned that Xu has 6 members who are also under the influence of Xu group to do the "loanSend ", some colleagues also had to pay interest of distress is not consistent with publicity. "Loan", "consumption trap"? "Through the operations of the Bank, without the customer's knowledge of the case, the penalty interest banks charge their customers a year and account management fees and penalty interest + account management fee, monthly interest rate to account for 2.3 minutes. "Mr Xu said that Standard Chartered BankWhen informing the customer about, does not mention the account management fee, cost of $ 490 per month who was not informed. In addition, Mr Tsui submitted car consumer credentials to the salesman, the consumer credentials does not audit clearance required penalty interest, and Xu simply does not know the consumer credentials do not have audit clearance. Mr Tsui where huge costs come from? ReporterSolutions to, at first, he is the monthly interest rate is 5.66%. Which is 100,000 loan monthly payment of $ 566.66 in interest. Must also pay the loan administration fee of $ 490 per month, which is 0.69% of the total monthly payment loan, discount for monthly payment of loans after 0.49%. Later, because the consumer credentials of Mr Tsui to the salesman did notAudit clearance needed penalty 1 time and cancels lending rate, to pay $ 6,072 count monthly together with the principal. Mr Xu "loans", "consumption trap", the bank charges no one effectively inform customers up 1 time in the case of interest, serious violations of the rights of consumers. Personal finance manager without mentioning the penalty interest at present, Mr Tsui has been charteredBank complaints. 16th journalist to follow Mr Tsui is located in Shenzhen diwang building Standard Chartered Bank Office on the first floor, Manager of Standard Chartered Bank financing "loan" business conduct unannounced visits. Mr Tsui and journalists falsely to a loan of $ 100,000, Customer Manager Yang Fang think Mr Xu at Standard Chartered Bank conditions good, stable, you can apply for a larger amount, such as$ 150,000, length can be longer. According to Yang Fang describes, "credit" is very attractive, without guarantee, mortgage, as long as the monthly income over $ 3,000 worth of work in Shenzhen
tera power leveling, providing identity cards, GSM mobile phone bills, the company issued proof of income, Bank of over 8 months of water and cover seal, within a few days after the application to get the loan. As regards interest rates, less than 250,009 folded or 95 percent, more than 250,008.! Under the reporters repeatedly asked, Yang Fang introduced the loan management fee, normally charge a total loan of $ 0.69% per month, after discounting 100,000 loans per month to $ 490 account management charge. Yang Fang has repeatedly affirmed that each bank will charge management fees. But Manager to rememberIntroduction to "lend" Shi, no mention of interest! Reporter noted that "credit" can be used for personal or household consumption, such as marriage, decoration
tera gold, tourism, education, acquisition of electrical appliances. So, buying cars? Introduction to Yang Fang, it could be. Feasibility of loans a month before the purchase invoice? Introduction to Yang Fang: "last year! But this does notLine. "Salesman Mr Xu taught false customer complaints, Standard Chartered Bank, surnamed Xu GE sales tracking service. On that day, reporters
tera power leveling, accompanied by Mr Tsui had contact with the GE name salesman, GE to advise Mr Tsui said: "housing to buy a few hundred dollars ' worth of goods, and POS into $ 80,000 documents will not change to Photo StudioGet someone to PS. "GE says, the consumer credentials are, then he reported he may apply for cancellation penalty. Under the eyes, salesman publicly teach customer fraud, Mr Xu Gobsmacked! Mr Xu that seriously misled consumers, a "bad idea" would seriously damage the consumer's personal credit. Reporters witnessed the entire process. Mr Xu,As a customer's biggest fault is that he relied upon the Standard Chartered Bank of salesman, salesmen to low-interest loans, low interest rates, a simple procedure, so as to lure customers, while Standard Chartered Bank at the time of charging customers fees, asymmetric information serious opaque, against the interests of consumers. Mr Tsui has now stopped payments. "Foreign bank charges and contract you don't less vigilant! "Mr Tsui described it is notIs he one thing, this is a foreign bank to enter China market how to deal with the problem of Chinese consumers, now he has to Standard Chartered Bank official complaints through the proper channels. According to the Shenzhen commercial newspaper
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