Xiaolin, a newly graduated university, is starting his own business. However, because of the shortage of funds, the business plan has been dragging on.

Two months ago, he saw a Cci Capital Ltd's loan advertisement in the newspaper saying that as long as he paid a certain amount of deposit, he could get the required loan without any formalities.

Faced with such an attractive loan channel, Xiao Lin seems to see hope.

On the second day, he went to the Cci Capital Ltd to conduct a consultation. After receiving the affirmative reply from the company's staff on advertising, Xiao Lin gathered together to raise 4000 yuan to the company and signed the loan contract with the company.

Because Xiao Lin asked for money and his lack of social experience, he did not read the specific terms of the contract carefully. It was this careless omission that made him suffer a great deal later.

After signing a contract with the company, Xiao Lin had not received any information about the loan for more than two months. The company had been told many times that the company was being told that the loan was being handled. When he last asked the company, he was told that his loan was not complete and could not be applied for.

Kobayashi realized that he had been cheated, so he immediately asked the company to refund his 4000 yuan deposit, but the company only returned 1000 yuan, and the other 3000 yuan was deducted as the so-called "handling fee". He also said that the contract was written in plain detail: "if the loan can not be applied as scheduled, it will refund the deposit in addition to the relevant handling costs involved in the relevant formalities."

Experts warn: first, the company claiming to be able to handle "loan business" is just a consulting company, and does not provide the ability to guarantee the loan business; second, there are many additional conditions for repayment commitments in the loan contracts signed with Xiao Lin, which makes it impossible for the industry and commerce departments to win the legitimate interests of Xiao Lin through the terms of the contract.