The business license has been cancelled and the Qingyantang beauty institution is still in business.
The stamp on the agreement is Goyando.
West China Metropolis Daily - Cover News Reporter Liu Hu Photo Report
I went into a beauty shop to experience 18.8 yuan to remove acne, but I was "persuaded" to spend 6000,2880 yuan by card, and I also had an online loan of <>,<> yuan. Strangely, after the consumer negotiated a refund with the beauty shop, the consumer did not receive any information prompts or any operation throughout the process, and the online loan was settled and canceled.
What happened to Mr. Suining Zhong is bizarre, and what is even more puzzling is that the business license of this beauty shop called "Qingyantang" has been cancelled, and the actual operator's business license is called "Chuanshan District Royal Beauty Shop". On March 3, with questions, the reporter of West China Metropolis Daily and the cover news visited him.
Buy 18.8 yuan acne products After entering the store, it is repeatedly recommended for various consumption
On March 3, Mr. Zhong of Suining saw a short video of "18.18 yuan acne" on the online platform, posted by "Dr. Huanyan". After Mr. Zhong left a message below and left a phone, the other party contacted him many times and asked him to spend at the "Qingyantang" in Suining.
Upon arrival, Mr. Zhong used the RMB18.8 consumer product he purchased, and the other party said that his skin was inflamed and "quite serious" and needed further physiotherapy.
Subsequently, Mr. Zhong purchased a 400 yuan face wash acne product, and when he used it, he was "persuaded" by the other party to buy a more advanced package, "This product costs 8880 yuan, and I visit the store 12 times a year to remove acne." "After Mr. Zhong said that he had no spending power for the time being, the other party recommended a loan product to him, and 8880 yuan was repaid in 18 installments, each repayment of 592 yuan." In this way, I actually have to pay 10656,<> yuan in principal and interest. Mr. Zhong said.
Considering the higher interest, Mr. Zhong did not agree to the plan, and under the continuous persuasion of the other party, he spent 6000,2880 yuan on his credit card. "In the process of washing my face, the other party used my mobile phone to apply for an online loan of 3 yuan, and repaid 998.4 yuan (principal and interest 2995.2 yuan) in <> installments." Mr. Zhong said.
Online loans were quietly cancelled and customers did not receive any reminders
Mr. Zhong said that he did not know on what platform the other party carried out the loan operation, he only "swiped the face card once" in this process, and the online loan was successfully processed, and the operator did not inform the institution of the loan and the default clause, loan instructions, etc.
As can be seen from the screenshot provided by Mr. Zhong, his loan was handled through an official account called "Yueji Butler", which has the theme of "Chongqing Haichuang Cloud Chain Digital Technology Co., Ltd.", and the introduction reads "Provide consumers with convenient installment application, bill inquiry, and fast repayment services".
Afterwards, Mr. Zhong felt that he had been deceived, and repeatedly negotiated a refund with the beauty institution without success, so he contacted the local media and the Market Supervision Bureau to intervene, and finally the other party refunded the 6000,<> yuan spent by the credit card in cash, and the online loan was also cancelled after Mr. Zhong signed an "agreement".
The "Agreement" clearly states that "Qingyantang" and Mr. Zhong reached an agreement through negotiation, and there were no more economic disputes, but the stamping unit was "Chuanshan District Royal Beauty Shop".
Through the "Yueji Butler" public account, Mr. Zhong can still inquire about his loan information, but the loan of 2880 yuan shows that it has been settled, and the full name of the merchant is Qingyantang Beauty Shop in Chuanshan District. Strangely, during the cancellation of this online loan, Mr. Zhong did not receive any reminders.
"Is it my loan, or a loan from a beauty shop?" Mr. Zhong was puzzled by this.
The business license has been cancelled, and "Qingyantang" is still operating normally
On March 3, on the 24nd floor of Yinfeng International in Chuanshan District, Suining City, the beauty institution named "Qingyantang" was in normal business.
According to the Tianyancha APP, Chuanshan District Qingyantang Beauty Shop was established in 2021, and its business scope includes life beauty services. On March 2023, 3, the enterprise has cancelled its business license in accordance with the law.
"Our boss has just taken over for more than a month, and the business license is going through the procedures to change." A manager surnamed Yang of the beauty shop explained that the current business license name is Chuanshan District Royal Beauty Shop, which will be changed to Qingyantang.
Regarding the dispute with Mr. Zhong, Manager Yang said that it had been properly handled. "We help customers with small loans, all with the consent of customers, and it is normal for some customers to have the concept of advanced consumption." Manager Yang said that the lending institutions are all formal institutions they have confirmed, and then he said: "I just help with part-time work, and the boss is in charge of this, I don't know very well." ”
There are not many people who have the same experience as Mr. Zhong, and Xiaozhang is also one of them. During her consumption process, the staff used her mobile phone to apply for a loan of more than 6000,<> yuan for beauty business through an institution called Chongqing Xiaoyudian Microcredit Co., Ltd. "Later, the text message urging me to repay made me very stressed, so I asked a friend to scrape together money to pay it back." Xiao Zhang said.
Lawyer's statement: The behavior of the beauty shop is fraudulent
Regarding this matter, Lin Xiaoming, a partner at Sichuan Yishang Law Firm, believes that if what Mr. Zhong said is true, then according to the Consumer Rights Protection Law, the behavior of Qingyantang beauty shop is fraudulent and violates consumers' right to know, that is, "consumers have the right to know the true situation of the goods they buy or use or the services they receive", "consumers have the right to choose goods or services independently" and "consumers have the right to fair trade". In addition, according to the provisions of the Civil Code, which stipulates that "if a party fraudulently causes the other party to carry out a civil legal act contrary to its true intention, the defrauded party has the right to request the people's court or arbitration institution to cancel it", Mr. Zhong can claim that his consumption behavior is invalid, require the store to refund the corresponding fees, and even make corresponding compensation.
At the same time, since the Qingyantang beauty shop has cancelled its business license in accordance with the law, in accordance with the relevant laws and regulations, the store is not allowed to carry out business activities in the name of a legal person that has lost its main qualification. In addition, the lending institution involved failed to fulfill the corresponding prudential obligations, and its loan business did not comply with the corresponding norms and should be corrected.