2017-05-02 12:27
Alert ＂free to send full refund＂ into temptation trap
News briefing site (Qiu Meizhi photo)
[news] April 29th report Beijing (International Online) in recent years, the "free", "full refund" "how much return these attractive rebate consumption patterns in the majority of consumers living in there quietly, businesses claim that the purchase price of goods to achieve full return, consumption also can earn a new consumption capital operation let the consumer, followed.
April 26th, Sichuan Consumer Protection Committee held in the first quarter of 2017 consumer complaints statistics analysis report news briefing. According to reports, the first quarter of 2017, Sichuan province consumer rights protection committees at all levels (including Chengdu City Consumers Association, hereinafter referred to as consumer organizations) consumer complaints 5422, solve 5377 pieces, complaint resolution rate of 99.17%, 10 million 992 thousand and 700 yuan in economic losses of consumers.
Among them, the full refund, free to send into the temptation trap, complaints hot. In the first quarter, Sichuan Province, the Commission received a total of 685 complaints contract category, compared with the same period last year, an increase of 3.16%, the largest increase in the nature of the complaint category. Some of the operators use the benefit, rebate, payment by installment to attract consumers, but set the consumer trap in the contract, the full refund actually allow consumers to pull customers for the conditions, some consumers mistakenly believe the loss of consumer knowledge, risk awareness, and the operators are misleading, false propaganda, dark temptation trap, when the operator funding strand breaks or absconded, will cause the operator promises to be a "lip-service", consumer rights is also in trouble.
Recently, has been a typical case of the occurrence of similar in Sichuan Province: Nanchong City Council mediation on campus to provide help to attract students by selling repayment installment loans to buy expensive notebook computer, let the young students bear high interest loan case occurred in Deyang City Campus; "to participate in activities, receive free mobile phone promotions to introduce customers to consumers, business conditions, platform rebates as bait, so that consumers receive free mobile phone become a stronghold, mirror month; Liangshan, individual businesses to carry out the full return of the purchase of furniture, promotional activities, attracted many consumers to participate in the purchase, businesses run away to cash rebate phenomenon.
"Free", "full refund" very seductive, really attract consumers, the legitimate rights and interests but in fact this rebate funds exist in security, the rebate model is not sustainable, the consumer is difficult to guarantee the potential risk. Therefore, the Sichuan Provincial Commission for the protection of consumer rights issued the following consumer warning to consumers.
Nature of the rebate model
Called free collection, in fact, loan consumption. Consumers should receive free goods must first apply for installment loans or pay a certain amount to the operator of the deposit, but must be by agreement, a certain number of customers successfully within a specified time limit buy goods or to participate in the "free" activities, instalment payment by commercial operators to pay, otherwise borne by consumers.
Known as the platform back, in fact, the loan consumption from. Consumers to participate in commercial activities for free to apply for the purchase of goods before the release of loan contract procedures, or the third party platform and participate in activities and undertake commodity operators should use fees to pay the platform, at the same time, the consumer must within the specified time limit, the successful introduction of a number of effective customer purchases or to participate in the "free" activities, so far from the platform return now to the consumer for the installment loan cost.
Business rebates, is actually passed on costs. Consumers purchase the full amount higher than the market price of the goods, by the operator in accordance with a certain proportion of monthly return to consumers to pay the price, this is the fleece of the game. In a word, consumers participate in the rebate activities are conditional, or require consumers to apply for consumer loans, and loan interest rates generally higher than bank interest rates; or require consumers to join the platform within the specified time the success of certain quantity and meet the requirements of "customers" participation in such activities. If consumers do not meet the above conditions, you can not participate in the activities of free goods. In the above activities, many unreasonable conditions are attached, which aggravates the responsibility of consumers, reduces the operator's obligation, and the consumers are forced to be bundled in the whole rebate activity.
Risks faced by consumers
Free to receive goods difficult to cash, the risk of unequal rights. Operators claim to receive free goods, in fact, higher than the market price of goods or services in the form of additional sales to consumers in order to pass on their operating costs. Nanchong campus in the loan, students pay the price than the market price higher than the average of more than 1500 yuan, the sales of Deyang case, Liangshan mobile phone operators to carry out the so-called buy furniture, full back the activities of commodity prices are often higher than the market price of similar goods. At the same time, the agreement also agreed to buy goods, consumers can not return, and many other unreasonable terms. If you encounter problems with the quality of goods, even in line with the statutory return conditions, consumers can not be in accordance with the provisions of the three guarantees rights, thereby eliminating the responsibility of the operator.
The agreement is not bright hidden, hidden risk of consumer loans. Consumer installment loans to buy goods, and microfinance companies constitute a loan contract relationship, consumers should bear the amount of loans, loan interest rates, the liability for breach of contract by the company unilaterally agreed. In this connection, the price of consumer loans to buy goods are often higher than the market price of the commodity, the loan interest rate higher than the same period of commercial bank interest rates, resulting in increased consumer burden of risk. Once consumers default, not scheduled repayment, will face the risk of personal credit loss, affecting the future of personal credit evaluation.
The rules of the fog fog, the platform is now back at any time to terminate the risk. If consumers participate in the platform back to the event, will also face the risk of return at any time to terminate. A platform is generally not explicitly agreed to return to the present monthly cash back amount and return to the present period, once the platform is not timely return or return now amount is insufficient to repay the loan, consumers must pay loan; two is the platform of the survival time is uncertain, the platform side to system maintenance is often closed, even if the consumer meets platform back to the current requirements, will face the "run away", can not be closed platform back to the current situation.
Full return is not honored, the risk is difficult to run business rights. Full back now to model the operators have sufficient cash flow as the premise, its essence is through the descendants of the consumer to pay back now before, this is like a game of musical chairs, once no one involved in such activities, operators in the "free" and "full refund" activity under the halo of commitments will become "lip-service", the operator through the temptation of misleading and false propaganda, set a trap will be the true face of dew in, especially when the operator funding strand breaks or absconded, will be difficult to protect the legitimate rights and interests of consumers.
News extension: "rational and rational face rebate activities"
In the face of the operators in the rebate, the amount of goods is higher than the market price, consumer lending rates higher than bank interest rates over the same period, a long time such as preferential return of every hue promotional activities, Sichuan Consumer Protection Committee suggested that the majority of consumers in this:
Please keep a vigilant. The world, all profits go to the world Rangrang, are all benefits to. Under the condition of market economy, the production and sale of any goods and services should have the cost. As a mature consumer should adhere to the purchase of goods or services should have the cost of the concept of consumption, the fall of the pie is bound to hide the unpredictable risks.
Please keep a rational. Operators to carry out the rebate activities, consumers should keep calm, calmly, do not rely on attractive advertising, according to the demand and consumption ability, calm, calm to buy goods or services to meet their own needs, not impulsive, do not follow suit, not blind from.
Please do one's duty. Operators in order to attract consumers to participate in such activities, often only inform the relevant information to attract consumers to the risk to the consumers need to fulfill the obligations and commitment do not effectively inform consumers participating in the rebate activities, do not rely on the operator's commitment to read it carefully before the signing of the contract terms, clear their responsibilities, assessment their capacity. If there are unfair and unreasonable terms in the attached conditions of the contract, the consumer may negotiate with the operator to change or choose not to participate in the rebate activities.
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