Online store collapse investigation, electric business, cold winter, etc.

A shopping mall closed down, causing nearly 20 banks to fall into the spiral of rights protection for default payments. What consumers can't think of is that, as a contracted merchant with no cardless and confidential payment authority, Beijing Yiyi Youshang Information Technology Co., Ltd. suddenly announced the bankruptcy without warning.

In December 2007, Han Jizhen, the former director of Digital E-Commerce Business of Shenzhou, started his business. He led a team of 20 people to set up Beijing Dongli Nanshan Information Technology Co., Ltd. at Longquanhu Hotel in Shangdi, Beijing, and established Beijing Yiyi Youshang Information Technology. Co., Ltd., which operates its credit card installment shopping platform “Yiyi Shopping”, has obtained the third-party operation qualification of nearly 20 banks' credit card installment malls in just two years.

In 2008, Yihao Shopping received a capital injection of Gothic Capital of US$10 million and expanded rapidly. In the same year, it was also awarded the title of “Best Business Model”. However, now, this industry-famous company has suddenly closed down, leaving nearly 30 million yuan in liabilities, including 6 million yuan of undelivered goods orders.

In recent years, the case of the closure of the e-commerce industry is not uncommon. In 2012, e-commerce companies such as Lekutian, Yaodian 100, Weimian, and Houmat, which are well-known domestic vertical e-commerce websites, have closed down or reorganized. However, is the cause of the collapse of Yilan a problem of the business model itself, or is it poorly managed? In this regard, the "Daily Economic News (microblogging)" reporter conducted an in-depth investigation.

Case: Many consumers have money and goods/

On the evening of June 13, Mr. Luo, who is engaged in the logistics industry in Guangzhou, saw a credit card bill on the Agricultural Bank website and saw an iPad-mini with a price of 4057 yuan. He wanted to buy a tablet for his son and called. 400 ordering calls. After ordering by phone, Mr. Luo received a text message on the next day, informing him that he had drawn a $400 instalment from the credit card.

However, Mr. Luo waited for a week, and the items he bought had not arrived yet, and there was no notice. So, he once again logged into the website of the Agricultural Bank, and was surprised to find that there is no such installment on the website. Mr. Luo called the bank to inquire, the bank found in accordance with his order number, his order is the agent operation of the Agricultural Bank of China, the operation of the operation. On June 20, the Agricultural Bank stopped the phased shopping transactions of the company.

For such a strange situation, Mr. Luo found through the Internet search that hundreds of people on the Internet have had similar experiences with him, and they are collectively defending their rights through social tools.

On June 25, Mr. Luo called the bank again to deal with it. The reply from the staff of the Agricultural Bank was: The responsible party for the non-delivery was Yihao Mall, and it was recommended that consumers use the legal means to defend their rights.

"As a bank, you guarantee that the seller receives the money, then you should also guarantee the buyer to get the goods. Why did the bank not deduct the money when the consumer confirmed the receipt? This is not in the e-commerce industry. In this case, the bank handles such e-commerce payment business. It is their lack of supervision to collect money and not deliver goods. Why should the consumer take responsibility?” Mr. Luo said that the responsibility of this matter should be borne by the bank because The ordering phone he dialed is the customer service phone left on the ABC website. The shopping mall that is logged in is also a link on the ABC website.

The legal dilemma has emerged. Several banks have replied to consumers that banks are only payment institutions, and all consumer purchases are payments made by consumers through telephone or online booking, and consumers have not received them. The responsibility of the goods is the Yihao Shopping Mall. Therefore, it is recommended that consumers use the legal means to defend their rights.

In a call recording from Miss Chen from Hebei on June 24th, the call to the ABC credit card customer service, ABC customer service proposed that the bad consumption generated by Miss Chen in the Yihao shopping mall will not be reported to the credit record, but Miss Chen You must contact Yiyi for a refund. The bank does not resolve the refund issue.

Miss Chen said: "Don't mention it with me. I am looking at your bank flyer. I bought it on the website of the Agricultural Bank of China. You have signed an agreement with Yiyi, which is a joint fraud consumer."

Regarding the question of who is responsible for the refund, Miss Luo and the ABC customer service dispute for several rounds, the two sides silenced several times. Finally, ABC's customer service said that it is waiting for the results of the processing of the billion, and will report the comments of Miss Chen.

Mr. Peng from Changping District, Beijing said: "I was deceived according to the telephone number 4006818007 left in the SMS sent by the Agricultural Bank's 1069095599 SMS platform. I have always regarded the ordering phone as agriculture. The bank’s phone does not know what other online malls I trade with.”

Mr. Peng said that the advertising information and deduction notices related to merchandising were all sent by 1069095599. "Because I never buy online, I rarely surf the Internet, so I don't know what Yihao Mall is."

The reporter saw from the evidence provided by many consumers that more than 10 banks have been negotiated by consumers. Among them, Agricultural Bank and Industrial and Commercial Bank directly introduced the website of the bank credit card installment mall to the Yiyi system, which was promoted in many commodities. Single or promotional pages will be displayed side by side with the bank credit card installment mall.

Nearly a thousand rights defenders from all over the country believe that it is precisely because of the “misleading consumption” of banks that their interests have been lost. Currently, some consumers are contacting lawyers to prepare to sue banks.

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