This year105, 65438, Ms. Zhou asked if she could receive the loan application that day, and according to the prompt of the loan Commissioner surnamed Guo, she carried out the loan-related operations on the lending platform A PP Chat records show that an important review process for users to apply for loans is "interview", that is, communicating with loan-related personnel through online video. Due to Ms. Zhou's unfamiliarity with the operation process and other reasons, she finally had an interview with the loan auditor on June 5438+1October 65438+May (that is, online video).
But for this loan application and "interview", Ms. Zhou said that there was no need for a loan at that time. The reason for the "interview" is that the credit Commissioner surnamed Guo has been urging himself through WeChat. After the interview, the loan specialist surnamed Guo also told himself that because of the incomplete procedures, he would not lend without my consent, but he did not expect that the loan of about 320,000 yuan had reached June 20, 65438.
In the WeChat chat displayed by Ms. Zhou, the loan officer surnamed Guo did inform Ms. Zhou that "the loan will not be submitted" without her own consent. In this regard, Ms. Zhou said that from the interview to the loan period, no one asked her if she "agreed". Based on this, Ms. Zhou has doubts about this lending process. At present, the loan has been paid off in advance, and the appeal is to get back the interest part of the money when repaying the loan.
According to the introduction of the lending platform, the loan product adopts P2P lending mode, and the customer needs to register a service enterprise account and bind a bank card consistent with the service enterprise account before passing the verification and entering the subsequent application process. After the remote interview, the system will verify and approve the user information in the background, but will not contact the customer himself for communication.
According to the platform, the customer service used WeChat to communicate with customers about the loan application in this loan, and has now conducted evidence collection and investigation. The content itself does not violate laws and regulations and false exaggerated statements, so it does not conflict with industry regulations. In view of this situation, the publicity and management of employees will be strengthened to ensure the compliance of business processes. At present, the loan has been settled for the customer in advance, and the Commissioner has been arranged to follow up this matter, and actively strive to provide solutions according to the customer's demands to minimize the economic losses of the customer.