In case of such provisions may complain to 12315

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In case of such provisions may complain to 12315

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Started 10 years ago by sdvlkeiHf6b6

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 Baoji cost three commercial banks in the process of personal housing mortgage loans, the bank should bear the unequal terms of the contract of use to consumers, Baoji City of Industry,moncler Outlet, to initiate an investigation, and ultimately,http://www.canherb.com/fund/forum.php?mod=viewthread&tid=2546024, the three banks because of consumer fraud, in violation of relevant laws and regulations forfeited 1,077,460 yuan. Staff Baoji City Weibin Branch of Industrial and Commercial Bureau in charge of the case said that last September, the business sector in the survey found that in personal housing mortgage loans for business activities, Baoji three banks in preprinted with the consumer signed Contract unified format unreasonable terms are present. Baoji branch of the Agricultural Bank of China (hereinafter referred to Baoji ABC) standard contract with the consumer (ie the borrower) that is signed by "individual purchase loan guarantee contract" provides that "with the contract-related notarization, registration, assessment, identification, testimony, transport custody and other expenses by the borrower, guarantor, mortgagor bear. " ICBC Baoji Branch (hereinafter referred to as Baoji ICBC) have similar statements in the consumer signed the "individual purchase loan / guarantee contract" provided that "the conclusion and performance of registration, notarization, and other expenses required to assess the present contract, and because Borrower and the Guarantor do not fulfill their obligations according to the contract, legal fees Lender claims arising from realization,piumini moncler, assessment fees, auction fees, all expenses paid by the borrower. " Baoji branch of Bank of China (hereinafter referred to Baoji BOC) signed with the consumers' personal-hand housing loan contract "stipulates that" in addition to be determined according to the law or the parties agree otherwise, the result of the conclusion of the contract, fulfillment and dispute resolution costs incurred (including attorneys' fees, collection expenses SMS,doudoune moncler soldes, asset valuation and disposal costs, appraisal fees, announcement expenses, etc.) shall be borne by the borrower. " Law enforcement officers found that advance-notice mortgage registration fees between January 1, 2011 to November 2013 13 period, three banks on the basis of these unfair terms in consumer knowledge, that should be borne by the bank and the establishment of general mortgage registration fees passed on to consumers. Punishment: confiscate the illegal income and impose a fine of twice the In August 2013, under the China Banking Regulatory Commission issued "on the improvement of banking institutions do not standardize their operations," which banking institutions made a "seven no" prohibition of requirements, including "shall not pass the cost", and clearly states that "banking financial institutions should undertake due diligence by law lending and other services produced, charges related to product evaluation costs, operating costs will not be passed on to customers in the form of fees." Early in December 2013, in the investigation of the above-mentioned registration fee case three mortgage banks charge illegal mortgage process, Baoji City Weibin Branch judged that the Trade and Industry Bureau, involving bank knowingly advance-notice mortgage registration fee and general mortgage registration fee shall be set up its commitment, but the use of contract these costs passed on to consumers, which are in violation of the original "Consumer Law" (new "Consumer Law" came into force on March 15 this year) and the relevant provisions of the "consumer fraud penalties." , it is a typical consumer fraud. The costs associated with the bank passed on to consumers are "illegal proceeds." December 21, 2013, Weibin Branch Trade and Industry on the basis of the original "Consumer Law" relevant penalties, to three banks made a confiscation of illegal gains and fines of double the punishment decision: Baoji ABC 670,400 yuan, 323,540 yuan Baoji ICBC, Baoji BOC 83,http://www.elnaviero.com/spip/spip.php?article2253,520 yuan. Three banks a total of 107 million yuan forfeited. It is understood that the punishment decided to issue shortly, three rows province provincial bank issued a notice requiring all banks within their systems are not allowed to charge consumers these costs. According to relevant laws and regulations,http://www.yxcunct.com/home.php?mod=space&uid=63360, involving three banks, after receiving an administrative penalty decision did not apply for reconsideration has not filed a lawsuit, but the delay does not fulfill payment obligations. May 21,http://www.ksenacademy.com/home.php?mod=space&uid=27397, Weibin Industrial and Commercial Bureau Weibin District People's Court to enforce application submitted. May 30, Weibin District People's Court ruled that the above administrative penalty decision granting enforcement. In June, three banks have paid into the fine Baoji City in Shaanxi Province Industrial and Commercial Bureau designated account. August 2013, the CBRC issued the "notice", but why the three banks to investigate violations from January 2011 1 starts? According to reports,http://kojinjohohogoshi.jp/bin/piip/gwbbs.cgi, the business sector in the investigation, someone's bank fraud consumer behavior persists, therefore, the business sector on the above three banks taken punitive measures. Someone Bank Some recognized fine and some do not recognize Baoji ABC: approved the decision on punishment, has a refund and change the terms of the contract yesterday, Baoji ABC officials said they recognize the decision on punishment of the business sector,http://forum.hostlongisland.com/cgi-bin/index.cgi, but also subject to the relevant penalties. "We have the initiative to refund the fees charged customers." The official said, in addition, they had been in 2013 would not comply with the terms of the changes. Baoji ICBC: The business sector does not endorse the penalty decision yesterday, Baoji ICBC office one official said, they decided to punish the business sector is not recognized. "Now the final conclusion has not been decided, to the conclusion that we certainly have to get approval." The official said it was his understanding that they are not to fine the business sector, and now they are negotiated and the business sector. Baoji Bank of China: the responsible person is not, inconvenient to respond yesterday, China Chinese Commercial News reporters Zhi Dianbao and Ji Zhongxing office, a female staff member said, deal with the matter of leadership is not, she is not very clear on the matter, inconvenient response. consumer Departments should assist consumer rights Public Zhang in 2012 and the bank signed a loan contract and pay a fee of 80 yuan. The business sector for the current penalties for banks, Mr. Zhang that departments should assist consumer rights, consumer rights will be very difficult to find a bank, not necessarily successful. lawyer Banks are obliged to refund the "illegal gains" Yesterday, the Shaanxi-ho male lawyer Zhao Xiao Dong said that the standard terms are usually developed by serving businesses, consumers take it or will not get the service, almost no room for choice. "The business sector for the three banks are administrative penalties, which can only recommend refund 'illegal income',nike tn pas cher, but without force." Zhao Xiao Dong said, because the signing of this contract are civil behavior, if the bank refuses to refund, consumers may be brought to court litigation. Related departments How much consumers pay rights Baoji City Housing Authority staff said, Baoji City,http://verdamilio.info/org/spip.php?article757/, the mortgage registration fee for residential mortgage 80 yuan / sets, non-residential 550 yuan / sets. Baoji citizens in the process-related business, the existence of illegal collection of fees if the banks in the contract, consumers can consult with their request a refund of illegal fees, they can apply for arbitration to the arbitration department,http://www.xmarks.com/s/site/www.tadayumi.sakura.ne.jp/apeboard_plus.cgi/uopingcha/,nike air max 90, or rights to the court proceedings. Trade and Industry Bureau In case of such provisions may complain to 12315 Yesterday, the provincial Trade and Industry Bureau official said: "This three banks in violation of the State Industry and Commerce Administration," "provides, it must amend the relevant provisions, must be punished." Illegal contract oversight approach the official said, if consumers encountered similar "King terms" may complain to 12315. This series of articles except for signature outside China by the Chinese Commercial News reporters Zhang Baolong and Zhao Zhao written The province has a number of banks loan contract "trick" Yesterday, the China Daily reporter found a similar phenomenon in Xianyang, Yan'an, Ankang and other places also exist. In 2010, Ms. Yang Xianyang people to buy a house in a district People's Road, Xianyang Branch of Industrial and Commercial Bank of China among the Branch signed a "personal housing loan guarantee contract." Article 17 of the contract "fee" provides that: "the conclusion and subject to registration, notarization, and other expenses required to assess the present contract, as well as due to the Borrower and the Guarantor do not fulfill their obligations in accordance with the contract, the loan claims arising from man-made realization attorney's fees, assessment fees, auction fees, all costs borne by the borrower. "Xianyang Ms. Zhao in the purchase, and the China Postal Savings Bank Co., Ltd. Xianyang City, Shaanxi Province Qin Road Branch signed the" loan and guarantee individual purchase contract ", also related conventions. The standard contract in Yan'an, China Construction Bank and Agricultural Bank of China branch in Yan'an Yan'an Branch signed with consumers also have similar provisions. In the well-being, there is the well-being of the public and Commercial Bank of China branch signed the "individual purchase loan / guarantee contract", that the existence of "mortgage registration fee borne by the mortgagor." Chinese Commercial News reporters Chen Lei and Zhu Chenxue Hua Chen deposit (Original title: Baoji Third Bank forfeited 1.07 million) 

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