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What's the secret of insurance and service charge? The price of the car is too low to make any profi

What is the hidden service charge of insurance? What is the hidden service charge of insurance? Many friends don't know. Let's take a look with Xiaobian.

What's the secret of insurance and service charge

After buying a car, Jinan citizen Liu Hao found that there was 2160 Yuan 'service fee' hidden in the 6044 Yuan 'insurance fee'. In order to recover the money, Liu Hao fought with Runhua 4S store for wisdom and courage, and the process went through twists and turns. Finally, Liu Hao took back 2160 yuan for refund with the help of the retained recordings, materials and other evidence. This' tug of war 'can be regarded as an example of' textbook 'rights protection.

The premium should be paid separately, half by credit card and half in cash

On January 22 this year, Liu Hao, a post-90s Jinan boy, took a fancy to a car in Runhua auto theme park, jingshixi Road, Huaiyin District, with a total price of 90800 yuan. Liu Hao paid 10000 yuan to order the car on site. On March 12, when his parents paid 80800 yuan of balance and insurance premium for him, Liu Hao found something unusual.

'I couldn't go to work that day. The old man in my family went for me. The premium was more than 6000 yuan. The sales consultant insisted that the old man pay 3884 yuan by credit card and 2160 yuan by cash, and no invoice or receipt was given at the scene. '

He later found that his insurance policy amount was only 3884 yuan, and the remaining 2160 yuan paid in cash was unknown. In the middle of March, Liu Hao found Xiao Wei, a sales consultant, who insisted that 6044 yuan was an insurance expense and had no invoice or receipt.

The car price is too low to make any profit. The 4S store uses the premium to offset it

Liu Hao finally saw a receipt of 2160 yuan with the name of 'service fee' written on it.

'I bought the car in full, what did Runhua do for me except to pick it up?' "Liu Hao questioned.

This time, the sales consultant directly admitted on the phone that the extra 2160 yuan was due to the low price of the car and the small profit, which could only be made up from the insurance premium. In late March, Liu Hao complained about the "service fee" to 12345 service hotline and the headquarters of auto enterprises.

Huaiyin District Bureau of Commerce said it was involved in the supervision, but it was always friendly and the effect was very poor. After complaining to the manufacturer, Runhua 4S store felt the pressure and contacted me for the first time to solve the problem. '

After this complaint, the person who contacted Liu Hao became the sales manager, Manager Gao.

Manager Gao said that because the price of the car is too low, what Runhua earns is the 'insurance discount' money. It moves the cost to the insurance and offsets the price of the car. He also said that it was impossible to refund 100%, but he could compensate 1000 yuan for the maintenance voucher.

'customers have their rules of the game, and we have our rules of the game. It's the same for you to buy a car in other places. It's the same for the whole auto industry. 'manager Gao said.

Found evidence of tampering with the contract, the 4S shop can not defend

On March 23, after Liu Hao and his family made it clear that they would only accept a refund, Gao said

Then you return the car and talk about the price again.

Liu Hao responded, "OK, return the car.",

Manager Gao refused again. "I knew you were like this. I wouldn't sell it to you for another 20000. 'manager Gao said.

In addition, the Runhua 4S store said that part of the insurance cost offset the price of the car by informing the customer before buying the car. However, according to the repeated communication recordings provided by Liu Hao, the 4S store never mentioned that it had told the customer in the communication.

'I asked them again and again, and they finally came up with the contract. I found that they had revised the contract by hand, adding 2160 yuan, but I didn't have the contract in my hand. Finally, there was no way to explain this time, which directly contributed to the success of the refund. '

Mutual agreement on refund

The evidence strongly supports the protection of rights

Liu Hao's evidence was well preserved in more than half a month's communication, which lasted for more than ten times, from the initial dissatisfaction and complaint to the final successful refund. Looking back on the process of safeguarding rights, Liu Hao concluded:

'if you want to protect your rights, you need to record more, take more pictures and keep the evidence. '

In the documents Liu Hao sent to reporters, every call recording, live recording, every contract and receipt are marked with the time and title in detail, and put in the folder by category, which can be called "textbook" type of rights protection. Liu Hao said that the sound recordings, pictures and other evidence he kept gave him strong support again and again in safeguarding his rights.

Dialogue between Liu Hao and reporters

Q: Are you from Jinan? What do you do?

A: My home is in Huaiyin District of Jinan. Now school information work, do information collation, collection and other aspects of the work.

Q: Why do you have such a strong sense of rights protection and 'evidence preservation'?

A: The main reason for safeguarding rights is that my elder sister is supporting me. In fact, my parents have advised me to make peace. But my elder sister is a law major. She supports me if I can get a refund according to the law, I will try my best to do it. The preservation of evidence may have something to do with my profession. I have this habit. I always keep more information.

Q: Is there anything to remind you of?

A: I think it's very important to stick to it. I can't be soft hearted. At the same time, we should pay attention to the evidence of important nodes. I've learned a lot from my experience this time. I'd like to remind you that when you buy a car, you should bring an experienced friend with you.

Q: Why do you still insist on refund? What should I do if there is a problem in the later maintenance?

A: In my opinion, sales and after-sales are not the same thing. They are two systems. How can the front not affect the back. As long as there's evidence on hand, there's nothing to be afraid of.

Q: Why do you agree to make this process public? Do you have any concerns?

A: Yes, they asked for my ID card photo when they bought the car. I was even worried that they would take my identity information to apply for online loans in order to revenge me. I have also deeply realized that the Internet can do both good and bad things. I choose to make it public. I just hope that everyone will be less trapped.

4S store responded that there was negligence in the contract and approved the refund

For Liu Hao's refund, Manager Gao responded that it was indeed the negligence in the contract of Runhua 4S store. Because of the 4S store's own reasons, it didn't make it clear in the contract. The customer seized this point and gave the customer a refund.

'everything is handled according to the contract. The contract doesn't write. We can only accept the refund. '

Manager Gao said that the insurance cost of 6044 yuan is divided into two parts, one is used for insurance policy and the other is used for car payment. Why does the insurance policy only reflect 3884 yuan? In this regard, Manager Gao said, this is the issue of insurance policy. He also explained that the refund of 2160 yuan is not the same as the 'financial service fee' in the Mercedes Benz incident, because that fee was paid to the private wechat transfer, while Liu Hao's fees were all paid to the company.

Runhua 4S shop still needs to pay service fee for loan to buy a car

Liu Hao's successful refund occurred in March. After the Mercedes Benz incident broke out in April, did Runhua 4S store still charge a 'service fee'? On May 8, the reporter found that the 4S store still had to pay a service fee for the loan to buy a car, which was 4% of the loan amount.

In the exhibition hall of Runhua 4S store, where Liu Hao bought his car, the sales consultant said that Liu Hao's car can be purchased in three ways: 10% down payment, 30% down payment and full payment. Among them, 10% of the down payment still needs to pay the financial service fee, which is 4% of the loan amount, that is, 3200 yuan service fee is required for the loan of 80000 yuan.

As for the collection of financial service fees, the high manager of the 4S shop's exhibition hall said:

'This is the service charge for assistance. The cost is different from that of Mercedes Benz. You can choose not to pay by installments. We don't force it. '

Buy a car to pay 6000 yuan service fee, the owner wins Runhua company

Last year, Ms. Zhao, a citizen of Jinan, bought a Ruijie car produced by Changan Ford on instalments and was required to pay a service fee of 6000 yuan. In a rage, Ms. Zhao sued Runhua Automobile Holding Co., Ltd. (hereinafter referred to as' Runhua company '). A few days ago, the people's Court of Zhangqiu District, Jinan City concluded the case and ordered Runhua company to refund Ms. Zhao's service fee and interest.

On January 18, 2018, Ms. Zhao signed a "car sales contract" with Shandong fortford Automobile Sales Co., Ltd. (hereinafter referred to as "fortford company"), which agreed to purchase a black car of Ruijie model produced by Changan Ford Automobile Co., Ltd. at a price of 259800 yuan and a handling fee of 6000 yuan. On the same day, Runhua company charged Ms. Zhao 6000 yuan in cash in the name of service fee, and issued a receipt to Ms. Zhao, which stated that the reason for the payment was service fee, and stamped with the special seal for receipt of Runhua company.

How did the agreed installment service charge become a service charge? Ms. Zhao thinks that the service charge has no factual and legal basis and should be returned. As a result, a petition will run the company to the court.

In court, Runhua company argued that the subject of Ms. Zhao's lawsuit against Runhua company was not qualified. The cause of this case was a contract dispute. According to the auto sales contract, the subject of the defendant in this case should be fortford company, not Runhua company, and requested to dismiss the lawsuit. However, according to the investigation of the court, Runhua company is a shareholder of fortford company, and they are independent legal persons.

The court held that in the process of Ms. Zhao's purchase of a vehicle by fortford, Runhua company charged Ms. Zhao 6000 yuan in the name of service fee, and the facts were clear. The court said that on the one hand, Runhua company claimed that the 6000 yuan service fee involved in the case was the loan service fee charged on behalf of fortford company, but did not provide effective evidence to prove the whereabouts of the money. Ms. Zhao refused to accept it, and Runhua company could not make a reasonable explanation for its claimed collection behavior, so the court did not accept it.

The court held that there was no legal basis for Runhua company to obtain 6000 yuan involved in the case, which caused Ms. Zhao to suffer losses. Runhua company's behavior of collecting 6000 yuan constituted unjust enrichment. Ms. Zhao has the right to request Runhua company to return and compensate for the interest loss.