If I am a member, can I get a refund?

Recently, Ms. Sun from Shenzhen reported that from February 2002/KLOC-0 to February 2023, she booked three hotels in a membership-based accommodation platform called Rucheng and paid a deposit of 5,840 yuan. The platform mainly provides the service of "paying the annual fee and staying in the platform cooperative hotel for free", and promises to refund the deposit after checking out. However, since the end of 65438+February last year, Ms. Sun's three appointment deposits have been delayed by the platform.

Ms. Sun has booked three homestay orders and paid a deposit of 5,840 yuan.

Ms. Sun contacted the customer service of the above platform many times, and the other party did not reply to the exact refund time. Ms. Sun asked the platform to immediately refund the deposit in full.

In this regard, the official customer service staff of the "Rucheng" platform replied that the deposit was uniformly refunded by the company system, and the specific refund time could not be told. Please wait patiently for the account to arrive.

Consumer complaints

Ms. Sun said that the "Rucheng" platform provides membership-based resort hotel reservation service, and members can enjoy the right to stay unlimited times within one year as long as they recharge their annual cards. "Now it costs hundreds of dollars to stay in a hotel casually, but as long as they become members of the platform, the homestays and hotels they cooperate with (such as Cheng) are free, so it is quite attractive at first." So Ms. Sun began to buy annual cards in May 2020 and became a "free member" of the platform.

Introduction of "Rucheng" official website.

According to "Rucheng" official website, users can become members by paying an annual fee. They can book in advance and stay in the cooperative hotel of the platform for free within one year. According to the detailed rules for the use of members' rights and interests displayed by Rucheng Platform official website, the room rate needs to be paid in advance as a deposit, and the deposit will be returned to the bank card paid by members within 3-5 working days after check-out.

Ms. Sun said that since May 2020, she has purchased two annual cards and booked a homestay through the "Rucheng" applet, and there has been no problem. However, from 20021,10 to 2023124, Ms. Sun made an appointment at the agricultural materials; B through the "Rucheng" platform for three times, * * * paid a deposit of 5840 yuan. But the deposits of these three orders have not been refunded. "Before I checked out, I would refund the deposit immediately, but my deposit has not been refunded since I checked out at the end of February last year."

Ms. Sun said that she had contacted the customer service staff of Rucheng Platform several times to confirm the time for refunding the deposit, and the other party replied that the deposit would be refunded in the order of the order. "If I continue to wait as they say, I don't know when." The customer service staff's answer made Ms. Sun unacceptable.

Ms. Sun said that on March 17, when she inquired about the "Rucheng" applet, she found that the deposit to be refunded in the account was used to deduct the mall consumption without her knowledge. The expenditure breakdown provided by her shows that there were three expenditure records of "shopping in the mall" in the account on March 14, totaling 45 12 yuan. The order details page shows that the amount of these three expenditures is deducted from the deposit.

Ms. Sun said that the above three expenses were not operated by herself, and she did not know why the deposit to be refunded in the account was used to offset consumption. She said that after discovering the problem, she tried to communicate with the platform customer service at the first time, but because there were too many people waiting in line, she could not contact the customer service.

Our newspaper noticed that when you open the "Rucheng" applet, the system will prompt before jumping that "this applet has been complained by a large number of users recently and may be suspected of trading disputes". Ms. Sun told this newspaper that she had browsed many people who had similar experiences with her online. I have thousands of deposits, and many members have tens of thousands of deposits on this platform. Ms. Sun believes that it is bad for the platform to delay consumers' money. She asked the "Rucheng" platform to refund the deposit immediately and said that she would call the police.

Prompt before system jump.

Enterprise response

On March 18, the official customer service staff of Rucheng Platform replied to the paper, saying that the deposit would be refunded by the company system in a unified way, and the specific refund time could not be told. Please wait patiently for the account to arrive. rhenium (Re)

As for why the deposit to be refunded in Ms. Sun's account is used for the deduction of shopping in the mall, the customer service staff explained that "if the user does not operate there, we will definitely not automatically exchange it, and there is no behavior to induce the user to click". The above-mentioned customer service said that Ms. Sun may have clicked the "one-click redemption" button in the applet at that time, so the system will automatically redeem the relevant products with the margin balance when the margin is sufficient.

Proofreading: Liu Wei

Related Q&A: Online lending platform is better. To apply for a small loan of less than 50,000 yuan, you can log in to our mobile banking first, click My-All-Loan-I want to borrow money to try to apply through this interface, or apply for a loan through a credit card; Log in to Pocket Life, click Card Finance-Reserve Fund-Apply Now below, and try to apply for reserve fund here, depending on the audit results. Related Q&A: Which online lending platform is better? 1.Which P2P online lending platform is better?

As investors, we should know more about some methods to judge the quality of financial management. At present, there are about 2,000 p2p financial platforms in China. Since the regulatory rules of this industry were only promulgated in August this year, most of the remaining companies in the industry are in compliance rectification. Therefore, when choosing to invest in p2p platform, we should learn to distinguish the quality of the platform and choose the platform that suits us.

Generally speaking, we need to judge the following factors:

1, the registered capital of the company knows the registered capital of the P2P platform in that year, shielding P2P without capital ability and reducing risks. Of course, Bian Xiao felt that this method was not always reliable.

2. Risk reserve Risk margin, also known as risk reserve and risk margin, is one of the most commonly used security guarantee methods for P2P platforms. Once the investment projects on the platform are overdue, the risk reserve will be paid in advance to prevent the risk of lending and ensure the safety of users' funds.

3. Depository of bank funds

The platform opens a special deposit account in the bank to deposit users' investment funds, while the p2p platform is only responsible for matching the information of borrowers and lenders, providing matching services, and not contacting users' funds, completely isolating users' funds from platform funds and improving the safety factor.

4.ICP license

The Interim Measures for the Management of Business Activities of Person-to-Person Lending Information Intermediaries stipulates that person-to-person lending information intermediaries shall apply for corresponding telecom business licenses according to regulations, otherwise they shall not carry out person-to-person lending information intermediary business. ICP business license is a necessary qualification for peer-to-peer lending information intermediary platform and a necessary prerequisite for engaging in online lending information intermediary business. 5. Third-party guarantee The P2P platform uses a third-party guarantee company to guarantee the principal and interest of the investment projects on the platform, which is a safer guarantee than the risk deposit.

6. Security of account information

The registration information, investment information, funds and account security of the user platform need to be guaranteed accordingly. For example, we have cooperated with E-Security to save electronic contracts, and we have a professional and mature technical team to upgrade account defense.

7. Platform data disclosure

P2p platform is the most informative platform for online lending. The investor's business data, investment data, asset items, overdue conditions, etc. shall be disclosed in accordance with the Interim Measures for the Management of Business Activities of Personal-to-Personal Lending Information Intermediaries, so as to achieve transparent, compliant and standardized operations.

8. Revenue Interval The annualized revenue of the general P2P platform is between 8- 16%. We generally don't tend to choose platforms with low interest rates, but some platforms need to be carefully considered when choosing whether the interest rate is too high to avoid capital damage.

We now try to judge how some p2p platforms are based on the above factors. Take Pratt & Whitney as an example to illustrate: Pratt & Whitney platform has obtained ICP license, reached a fund depository agreement with hengfeng bank, made a risk reserve of130,000 in February, disclosed platform operation data every month, and reached an online contract preservation agreement with E-Security. This shows that the security of the platform is very high.

Second, the safest p2p platform ranking Everyone is very concerned about the security of the p2p industry and hopes to get an authoritative industry platform security ranking. But in fact, such a ranking does not exist for a large number of p2p that have just introduced regulatory rules. However, you can measure the security of each platform by yourself, mainly considering factors such as fund deposit, ICP, risk reserve and account security.

In official website, the online loan portal can get a general understanding of the current ranking of p2p industry. This ranking is based on the information provided by the platform in the online loan home, and is ranked by the online loan home after comprehensive scoring. We can also choose to rank according to development index, transaction, popularity, leverage, dispersion, liquidity and transparency as investment decisions. The following is the information of the top 10 p2p platforms sorted by development index.

Although the ranking of online loan houses has certain reference, Bian Xiao suggested that when choosing a p2p platform, you need to comprehensively consider and judge yourself, collect more information and compare, and consider not only the security, but also the investment threshold and liquidity of the platform before making a choice.