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女子美容“被贷款”8万元:赔5000元与美容院私了

2017-08-30 06:16:52   中国青年网

美容机构还让刘小姐签了一个“协议”。

20多岁的刘小姐(化名),在一家美容机构进行面部美容咨询。各种操作之后,她发现自己“被贷款”8万元。刘小姐觉得自己上当受骗。最后的结果是,刘小姐和美容机构私了,赔给美容机构5000元,美容机构把贷款撤销。对此,广州市消费者委员会提醒,消费者要慎重对待各类贷款,应考虑个人和家庭的经济承受能力,避免过度消费,不要被“免费”“优惠”“便宜”等字样冲昏头脑。

美容机构推荐项目后主动提及可以贷款消费

刘小姐今年二十出头,已工作。她告诉南都记者,因为一些原因,她的脸部有瑕疵。8月13日上午,其到广州越秀丽尚医疗美容门诊部进行面部美容咨询。该门诊李主任(女)接待了她。李主任向刘小姐推荐几个整形项目后,主动提及可以贷款消费,每个月还很少的钱,很方便。

刘小姐称,李主任表示要先看看她有没有贷款资质,她才同意。后来贷款的过程,“我是不知情的,是美容机构诱导了我”。当时李主任立刻就叫来几个贷款平台的人,“他们明确说有合作关系,贷款平台人员就在门诊等候着”。刘小姐告诉南都记者,很快就有三个人(两男一女)进来,他们让她出示身份证、银行卡,后来就拿着她的手机进行各种操作:“都是他们在弄,下载了app,进行注册,需要我填个人信息的时候才给我手机”。

签了一个“协议”有消费者签名和手印

就这样,短时间内,通过三个贷款平台,刘小姐分别贷了2.5万、2.5万和3万,总共8万元。三个贷款平台为马上消费金融、即分期、星计划。刘小姐表示“整个过程都是懵懵的,后来出了门诊越想越不对劲。查看app发现贷款没有打到自己账户上,还款却需要自己还,感觉被骗了”。不仅如此,刘小姐还询问了其他美容机构,发现这家的手术费用要高很多。于是她又去找美容机构,说自己不做手术了,要求退款。

和美容机构私了 消费者赔5000元

8月22日,南都记者以朋友的身份陪同刘小姐到该美容机构。记者注意到,在机构办公室桌上,立有某贷款平台的宣传牌,上面写着“携带身份证+银行卡即可立即贷款”。该美容机构李院长也承认和贷款平台的合作关系,贷款是打到美容机构的。不过,刘小姐和美容机构沟通,机构工作人员表示一切都是刘小姐自愿,如果不做,是违约,需要赔偿违约金,至少10%,即8000元。机构工作人员还劝刘小姐,“我们都是成年人了,是你自身的问题。涉及钱的事要小心一点,有时候你花了这个钱,未必是坏事情。你还年轻,损失几千块也没什么,吃亏上当就这一次”。当天,双方未达成一致。直到29日下午,刘小姐告诉记者,事情刚刚解决,不过是和美容机构私了,赔给机构5000元,机构把贷款撤销。

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