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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
暗访
记者体验“美容贷”被要求隐瞒学生身份
8月24日,南都记者以学生身份,到广州丽尚美容门诊暗访。记者甫一进去,就有前台工作人员上前询问记者的姓名、是谁介绍来的、咨询的项目是什么等。记者表明自己通过朋友知道这一美容机构,想咨询鼻子整形手术事宜。工作人员热情地递上一杯水,让记者坐在大厅沙发稍等。
贷款不贷给个人只用于微整形项目
而当记者表示自己是个大学生,手术费用太贵,有点负担不起时,该咨询师当即表示:“那就分期贷款咯,只要有身份证就可以申请贷款,我们有合作平台的,都是正规的,比如星计划呀什么的”。据该咨询师称,分期贷款为零首付,利息还比银行低。想贷款,要下载一个名为“星计划”的A PP,用手机号注册好,由工作人员拿着记者的手机扫码成功后,才能进入申请贷款的页面。当记者向女咨询师询问贷款最后是给谁的,她表示,贷款不贷给个人,只用于微整形项目,“不是外面那种套现的高利贷,美容院是和分期贷款公司合作,贷款是划到美容院账户上的。”
15分钟可完成审核 相关APP实时放款
随后,该女咨询师从隔壁房间叫来一个不到30岁的女性工作人员,指导记者下载星计划A P P,填入关于鼻子微整形手术的部分信息。一两分钟后,进来了一个年轻男子,自称是贷款公司人员。该男子询问记者现在有没有工作,有没有毕业,平时有没有做过兼职等问题。在贷款中途,另有一个年长点的疑似美容院工作人员(女)闯入咨询室说:“等下让她回答问题的时候,别说自己是学生,就说是某某单位的。”
之后女咨询师还询问记者,手机号是否为本人身份证办理,并让记者手持身份证拍照。记者表示需要和父母商量下再做决定。女咨询师力劝记者赶紧做,“你告诉家长,家长肯定不同意”。记者走出咨询室后,女咨询师还试图挽留。随后,记者找了个借口匆匆离开美容院。记者注意到,星计划的app界面有“丽尚医疗美容·广州”的字样,显示双方有合作关系。在星计划的网站上,显示其专注医美分期市场,15分钟可完成审核,实时放款。不过,记者查询其相关公司上海甚美信息科技有限公司,工商信息显示其经营范围不得从事增值电信、金融业务。
提醒
律师:美容贷款性质是消费预付款
广东三环汇华律师事务所程跃华律师认为,如果单纯从法律层面讲,许多“美容贷”案例中的美容机构和贷款平台的行为是合乎法律规范的。消费者在此过程中可能是被“忽悠”了,被诱导进行美容消费,再通过美容机构向贷款平台借款。但如果消费者是成年人,贷款是经过消费者本人操作,那么不管款项是否划入消费者账户,还款责任还是要承担的。
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