Entrepreneurial Reminder: College Students Encounter "Loan Trap"

At present, it is the peak time for many college students to seek employment and start businesses. However, some criminals use the characteristics of college students to find jobs and start businesses, and guard against psychological weakness.

Recently, a newly graduated college student, Xiao Lin, suffered a regretful "loan trap". Fortunately, some losses were recovered under the intervention of the business sector in Hanyang, Wuhan.

According to introduction, Xiao Lin, a newly graduated university, is starting his own business. However, because of the shortage of funds, the business plan is dragging on.

Two months ago, he saw a loan advertisement in the newspaper saying that as long as he paid a certain amount of deposit, he could get the required loan without any formalities.

Faced with such an attractive loan channel, Xiao Lin seems to see hope.

On the second day, he consulted a Cci Capital Ltd in Wuhan, Hanyang Guqin Changjiang square. After receiving the affirmative reply from the staff of the company to the advertisement, Xiao Lin gathered together to raise 4000 yuan to the company and signed the loan contract with the company.

Because Xiao Lin asked for money and his lack of social experience, he did not read the specific terms of the contract carefully. It was this careless omission that made him suffer a great deal later.

After he signed a contract with the company, Xiao Lin had been waiting for more than two months to get any information about the loan. Many times he called and consulted the company. He was told that the loan was being processed. When he asked for the last time, he was told that his loan could not be applied due to incomplete materials.

Kobayashi realized that he had been cheated. He immediately asked the company to refund his 4000 yuan deposit, but the company thought it had deducted a handling fee of 3000 yuan on the basis of the relevant formalities.

In the face of such a result, Xiao Lin was very angry and immediately made a complaint call from the Hanyang business department.

After investigating the industry and Commerce Department, the company found that the company that claimed to be in charge of "loan business" was just a consulting company, and did not provide the ability to guarantee the loan business. At the same time, it also found that there was no mention of the relevant loan guarantee undertaking and obligation in the loan contract signed by Xiao Lin, which made it impossible for the industry and Commerce Department to win the legitimate interests of Xiao Lin through the terms of the contract.

In view of this situation, the Ministry of Commerce and industry finally remedied Xiao Lin's 3000 yuan deposit loss by mediation.