Beware when you file for a loan! Credit loan services could subject its customers to fraud. A member of public with bad credit score had tried to get a credit loan company to help her get a loan, but ended up purchasing a second-hand vehicle at double the market price upon the loan company's request.


Stepping onto the SUV, Ms. Liu doesn't even know how to fire up the vehicle. On the other hand, Ms. Kuo, who already has a car, was persuaded by the credit loan company to apply for a loan to purchase a second-hand vehicle, which only added pressure on her already tight finances.
The monthly payment is NT$ 9,185 for the car. The car was then leased out in two months. I get about NT$ 6,000 in subsidies in the first month. But I need to pay a total of 48 installments, which comes to a total of more than NT$ 440,000.

The victim said that she needed cash but has a bad credit score, so she tried to get a loan from a credit loan company. The company told her that in order for them to help her get a loan from the bank, she had to first purchase a second-hand vehicle from their designated dealer in order to show that she has a tangible asset. The company proceeded to apply for a loan on behalf of the victim to purchase a vehicle at twice the market price. The victim fell into a deeper financial hole before she got the loan she needed, and she proceeded to call the police.

The victim has provided evidence and account of the whole process. We as police officers will fully cooperate and try to collect evidence.

The lawyer said that the situation has developed beyond a simple consumer dispute. The credit loan company has provided false information to the customer, and the act could constitute fraud.

If the credit loan company promised to be able to help the applicant get a loan, then it has clearly provided false information for the customer to believe, which means this loan company has engaged in fraud.

The lawyer said that, judging from the loan process, the customer has engaged in a transaction and she still has the responsibility to pay back her loan. But at the same time, she has the right to file a lawsuit against the company.



打開休旅車的車門，劉小姐坐上駕駛座，但是卻連發動都不會。另外這位郭小姐，家裡已經有車，却聽信信貸公司的說詞，答應申請貸款買二手車，卻讓自己的金錢壓力更雪上加霜。

陳情人 郭小姐表示：「一個月要繳9185元，然後出租兩期(給租賃公司)，一期是(拿到)6000元補貼，但是車貸一共要繳48期，總金額是44萬多(要付)。」

陳情民眾指出，因為有資金需求、但是有信用瑕疵，找上一間信貸公司貸款，但業者向他們表示，可以協助向銀行申請信貸，但是要先買一台合作車商的中古車，作為動產徵信之用。之後信貸公司就用被害者的名義,向銀行申請車貸，但是却高於市價兩倍，這些民眾的小額信貸還沒到位，卻又背上高額車貸，已向警方報案。

台中市三分局偵查隊長 高庭煌表示：「（被害者)提出相關的事證，或者這個過程，我想我們警方一定會配合這些當事人來做蒐證。」

律師表示，從這樣的情況來看，並非單純的消費糾紛，信貸公司給受害者錯誤的資訊，有可能涉及詐欺。

聲音來源 律師 林瓊嘉表示：「如果它(信貸公司)有保證(可借到信貸)，顯然就是提供錯誤的訊息，讓人家陷於錯誤，那這個信貸者來講，它就是詐欺。」

律師指出，從過程研判，民事上受害者確實有申請車貸的事實，買賣行為已經成立，還是有償付車貸的責任，但相關權益，還是可以透過訴訟來爭取。