According to the address of the report, at the end of january 2024, journalists came to shaanxi and found the complainant, alias xiao li. Xiao li, 26 years old, has worked outside for many years and has lived a long and productive life, while in the last year he has been in deep pain。
Complainant li li: anxious, headaches and insomnia at night. There is no hope for life, no hope, no light。
What has happened to a young man who is supposed to be alive, in the past year? Li's introduction, all of this came from an app called "system finance." one year ago, the family had become a shame to xiao li, but he was embarrassed to borrow money from his friends。
Complainant li: the internet has access to the same financial app online. On the internet, it is stated that the purchase of its gift card will allow cash to be recovered。
Why do you have to buy a card, recycle it, then cash it? In a hurry, li downloaded his financial app online and found the gift card mentioned by his netizens, which was included in a gift pack. It should be noted that the gift package can be purchased in instalments of one month. If you apply, you can hand over the gift pack from app, the co-finance, and then pay in a month. But this gift card that you're applying for, how does it turn into money
Complainant li: recycle all the gift cards through its mall and fill in its own collection account and call me。
After borrowing money, li realized that the loan from opp, the co-finance, was a high-level inducement. Consumers first applied for a gift package by way of payment in instalments, then sold the gift card in the gift bag, and then sold the gift card to the same financial account to the same financial account to the same financial account to the same financial account to the same financial account for the same financial account to which the consumer had to return after a month, since the gift package was purchased on a monthly basis。
It's hard to figure out why app, the co-finance, doesn't lend directly to consumers, so that they can get money in this circle. Is this a gifted product or a disguised financial loan
Complainant li: it gives you coupons and then gives you a place to cash out, which means that it needs money to buy it, which is a loan。
However, when interviewed with the client of the same financial agent app, the client denied it。
App: this isn't a loan, it's a normal commodity, you can understand it's kind of kentucky。
App client service in co-financing: not a loan, it buys you from a platform, it's a credit payment。
In a big circle, li finally got the money through a gift pack, and the more he settled, the more he felt wrong。
The amount of the gift card is set at 94 discounts, and the $1,800 gift card can only be cashed in hand by $1,800 times 0. 94, or $1692。
By this point, the set-up has only just begun, with the realization of this step alone, 6 per cent of the borrowing amount being deducted. As can be seen from the gift package order provided to journalists by li, the price of the gift pack is $2448, including $1,800 for gift cards and $648 for discount cards for various categories of member interests, coupons from the high-intensity guesthouse and tickets from the airport vips。
Complainant li: my concern is only that the gift card will come true and that none of the members' rights will be exchanged, because if i don't, i have to pay for them. For example, the high iron lounges, the airport lounges, we already lack money and there is no need for these trips。
Although these varied membership coupons are not available at all, in order to get the money, li bought the gift package in instalments, with a total of $1692, and 2448 a month later, i. E., li had to pay for the other goods that she had forced to sell when she repaid。
What is the value of the various members' coupons that are forced to be sold in the gift pack? Journalists were referred to a supplier of gift cards in the same finance app, who indicated that the cost of such membership entitlements and vouchers was extremely low and that if users did not activate the use, there would be no payment for the same finance。
Co-financing gift card providers: we settle for you on the basis of the actual use of the product, you use a member's rights to the full, i charge a secondary fee and the user's unused member's rights are retained。
Complainant li: most of the internet friends i asked didn't use them。
The journalists learned that the combination of these gift packs on app, which are in the same financial sector, is changing and that now there is a combination of “gift card members' coupons” in kind, and that there has been an increase in the number of forced coupons, and what kind of cat is that
For example, the gift card, which is priced at $2450, has a gift card of $1700, a member's coupon of $605 and a 10-pack of clean towels of 145. It should be noted that, according to the presentation in app, the clean towels cost $209, and $145 is a discount price, and it appears that consumers can buy these products well. However, journalists have enquired that this veil is sold on mainstream electrician platforms in small quantities and is not even available. Isn't this a mischaracterized product of the same financial account app on gifts? The journalist found the manufacturer on the basis of the product information of the clean towel, and the real price was such that it caused a loss。
