An organization in Nanjing induced college students to apply for online loans to buy online courses, but the students were faced with debt collection calls one after another?

"The Paper" academic teacher Li Siwen

Zhuoer Longteng Institution's monthly part-time income of more than 1,500 yuan guides the purchase of courses.

The answer to the photo in this article is

The high-cost part-time job list has become cheap labor, and the interest-free "education installment" is actually an online loan that affects expropriation... Recently, on Hundreds of college students complained to The Paper book020. It is reported that Nanjing Zhuoer Longteng Education and Training Institution (now renamed Nanjing Shangxue Longteng Education and Training Institution) induces college students to apply for online courses and apply for online loans through high-priced part-time jobs, hoping to drop out of school and get a refund. However, it is unable to contact the teacher and the institution, and the students cannot afford it. High loan amount.

“Actually, it’s not that we lie, but that they really have very strict speaking skills. Basically, everyone they can contact will sign up to the end.

Molly, the deceived student He told "The Paper" that there are currently 168 students in the rights protection group, and the amount of money they have been defrauded ranges from 2,600 yuan to 8,600 yuan.

"They deceived us about education installments, and we can withdraw from school and get refunds at any time. But now. I found out it was a third-party loan platform.

“Some students were overdue and were called by the loan platform to collect money.

On April 7, a staff member from the Market Supervision and Administration Bureau of Qixia District, Nanjing City, where Zhuoer Longteng Educational Institution is registered, told The Paper News" has received phone complaints from many students and is currently investigating.

On the same day, the academic affairs teacher of "The Paper" called the person in charge of the educational institution and the teacher responsible for refunds multiple times. , but the phone has been unable to be connected.

Teachers from the institution call the online loans on third-party platforms “education split” without interest.

College students are burdened with high fees in order to make money through part-time work. amount of education loans

On March 18, a student in the Nanjing Zhuoer Longteng Rights Protection Group, which was voluntarily established by students, almost died while discussing how to recover tuition fees. After many contacts, the students contacted the group. Parents of students and provide timely treatment

“We are students. Carrying a loan is stressful.

“Molly, a college student, was also one of the students who was deceived. She told The Paper that her family was very poor, and the tuition loan of 8,600 yuan was equivalent to her semester living expenses. After defending her rights for nearly more than a month, During her time, she had many frivolous thoughts.

Talk about the experience of being cheated, Molly said that many students started to be cheated because of the free learning materials shared on social platforms. People often share learning materials such as CET-4 and CET-6 and PS on the Internet. Add WeChat if necessary. That’s how I joined the teacher from that institution.

In December last year, Molly added a teacher who claimed to be from Nanjing Zhuoer Longteng Education and Training Institution. After sending the information to the students, he recommended many online courses such as network design and video editing to the students. course.

What makes Molly excited is that the other party said that after signing up for the class, you can take the "part-time class" of the organization. Various part-time opportunities are provided for free. There are group chats of multiple "part-time classes" and screenshots of student commissions. , and

"She said that after studying for twenty days, you can take orders. Even the simplest poster design costs two to three hundred yuan. You can earn 500 yuan a month by working part-time.

< p>”

Molly said that she could not leave school because of the epidemic, and her family conditions were very poor, so she wanted to earn living expenses through some online part-time jobs.

In the rights protection group, many students have the same idea as her.

"The courses they introduced cost thousands of dollars. Moreover, only the journalism course (course journalism) can be taken part-time.

" After Molly said that she had no funds to pay the tuition, the other party immediately An interest-free 'education installment' was proposed. A down payment of 100 yuan is required, and the remaining 12 months will be repaid.

According to the chat history provided by Molly, the other party said that after signing up, he can take on part-time work. The monthly part-time commission will not only be used for tuition, but also a lot of living expenses. < /p>

”

Under the “blueprint” drawn by the other party, Molly signed up for the “All-round Design Full-stack Class” worth 8,600 yuan.

Subsequently, under the guidance of the other party over the phone, he obtained loans through third-party loan platforms such as Huabei and Xianxiangxue, and finally completed a loan of 7,700 yuan on the Xianxiangxue platform.

In order to allow Molly to pass the review of the loan platform, the teacher asked Molly to provide a screenshot of Xuexin.com and changed her academic qualifications to high school graduates on the grounds that "business part-time jobs cannot find part-time jobs for college students." .

Molly was also provided with the "talking skills" to deal with the phone interview on the loan platform, "The person calling you is a teacher from our institution. Just please say that you worked after graduating from high school. If you say yes If you are a college student, we cannot give you a part-time job.

”

In the rights protection group, all 168 rights protection students completed their loans through third-party loan platforms, including JD.com Baitiao, Xianxue, and Buy. , Honest Credit Payment, Haier Consumer Finance and other loan platforms, the loan amount is 2,600 yuan or more. Many students said that during the processing process, the teachers of the institution have always advocated "education installments" and they can drop out of school at any time. . In addition, the student said: "It is definitely not a loan. This education installment will be automatically canceled if it is not returned within 7 days.

However, after the deadline, the student was informed that the tuition fee had been transferred to the other party's account in full. . Failure to repay the loan on time will not only affect overdue fees, but also affect his credit report.

He promised to retire at any time, and the teacher claimed to have retired after half a month of classes. , Molly began to feel something was wrong. “The content taught was basic and nothing could be learned. I want to join the part-time group, but they keep lying to me and say that I can’t take orders now because of what I’m studying. Please let me continue learning. If you can't afford the tuition in the first month, you will support me.

However, when it came time to pay the first month’s tuition, the other party did not respond to Molly’s request for help. "I can't tell my parents. If I pay with living expenses, I won't be able to eat for a month. I was malnourished at that time. My hair loss was severe.

"

Molly said that in February she had suffered multiple She asked to join the part-time job group, and after paying the second month's tuition, she was pulled into the part-time job group.

I thought that placing more orders would solve the tuition problem, but after joining the group, Molly discovered that part-time jobs were announced every three or four days in the group, with a commission of 20 yuan per person, and more than 400 people were grabbing them. .

The actual part-time jobs in the part-time group are all 20 yuan.

“I was under too much pressure to repay the loan, and I could earn 20 US dollars, but I don’t know if it was a matter of ability or because the customers were too mean. The design requirement of 20 US dollars was comparable to that of a senior designer. No matter how I designed it, The customers were unhappy and they didn’t get commissions

” said Molly.

Wu Qian, another college student who signed up at the same time as Mo Li, had a hard time getting a part-time job. She told The Paper that her part-time job team also had a list of logo and web design projects worth 20 yuan.

Because it is forbidden to form groups, I need to send a private message to the part-time teacher, but as soon as the other party announced that she had taken the private message robbery ticket, it was said that someone had already come to pick her up. "I don't think these lists exist.

"

After placing multiple orders but failing to make any money, Molly applied for a refund for dropping out of school, but the other party said that she was now in a basic class. student, citing limited order capacity, encouraged her to continue learning, and took a screenshot showing "C4D list is 7,500 (yuan) per minute"

"I have been studying for a month, and I really have no money to pay back the tuition. At this time, she told me that if it was not for the reason of taking classes, there would be no refund.

“If Molly insists on dropping out, she must make normal monthly repayments first, and then wait until all repayments are completed. Then calculate the remaining tuition fees for the course," the other party said.

At the same time, in the "Nanjing Zhuoer Longteng Education Technology Co., Ltd. Official Course Student Service Agreement" signed by Molly, every student was not satisfied with the course quality, or are not satisfied with the part-time list, and there is a clear commitment to support them to drop out at any time, and there will be no tuition fee for the future.

If there is poor teaching quality, no guarantee for part-time jobs, no order-taking service, and no part-time jobs. When applying for a refund, the other party informed Molly that failure to compensate her for the online loan would affect her credit score. >

But Molly was unable to repay the loan. The bank card she bound was handled uniformly by the school. After making multiple deposits, she was promptly withdrawn. She was found to have suffered fraud and her bank card was frozen.

On March 10, Molly found out that her teacher had banned her. The school management teacher in charge of teaching told her that the company had applied for corporate restructuring. Except that there was no reason to refund within 72 hours after placing the order, the rest of the courses Students will no longer receive refunds.

If any students insist on refunding, it is recommended to safeguard their rights through judicial channels.

In the rights protection group, after applying for a refund, nearly half of the students deleted their friends and did not reply to messages because the first teacher they applied for "retired". Some students were directly blocked, "She called me Don't harass, something happened

"

A classmate told "The Paper" that as early as March 8, the school management teacher was having operating difficulties due to the involvement of shareholders and was applying for Bankruptcy.

However, on March 9, some students paid the deposit after discussion.

In addition, on April 6, many students sent screenshots to The Paper. According to reports, there are still new people joining the part-time group and class group, and the part-time group also pays part-time wages every day. "The group has been banned and restricted from adding friends through group chat. Otherwise, I want to tell you that they have been cheated.

"

In addition, a student discovered that a student who claimed to have When the retired teacher asked a question in the circle of friends where she posted a class promotion, the other party said that the teacher who was in charge of her had indeed retired. This WeChat account is the company’s account, and new teachers will continue to use it. So far, I don’t know the status of the refund promised by the teacher.

“What was said at the beginning was one-to-one guidance, and all the agreements were made by the instructor. Now it is said that if problems occur, I will resign. I feel that I am obsessed with the mold.

< p>Wu Qian said that the phone number of the agency was blocked, the instructor retired, and most students were facing refunds.

A student was fined more than half of the principal for one month overdue.

Relevant institutions. "Loss of contact", Market Supervision Administration intervened

Industrial and commercial information shows that Nanjing Zhuoer Longteng Education Technology Co., Ltd. was established on April 8, 2023, and was renamed Nanjing Shangxue Longteng Education Technology in January this year. Co., Ltd.

From March 9 to April 2 this year, the company was banned by the Nanjing Qixia District Market Supervision and Administration Bureau and Jiangning District Market Supervision and Administration Bureau three times because its registered address and business premises could not be contacted.

On March 30, the Wuhu Branch was also included in the list of abnormal business operations by the Wuhu Jinghu District Market Supervision and Administration Bureau.

On April 7. On the same day, "The Paper" academic affairs teacher called the Nanjing Qixia District Market Supervision and Administration Bureau about the matter. The bureau staff told "The Paper" that they have received multiple phone calls from students and the Longtan branch is currently investigating. " After receiving the situation, we immediately sent people to collect evidence, but the company was listed at the registered address and had no actual operations, so it was included in the directory of abnormal business operations.

”

The staff member said that after contacting market supervision, the company’s legal representative has sent a client to handle it. “They are now going through the procedures for changing the registration place and are processing it. At the same time, these complaints are urged to be dealt with as soon as possible.

The staff member said that the Qixia District Market Supervision and Administration Bureau will continue to follow up on the matter until the problem is resolved.

On the same day, the academic teacher of "The Paper" repeatedly called Xia Minghong, the legal representative of Nanjing Zhuoer Longteng Education Technology Co., Ltd., and the teacher responsible for refunds at the institution, but the phone could not be connected.

After another sales teacher answered the phone, he said that he had retired and that the refund must be handled by the agency.

As to whether the students had previously promised to withdraw from school at any time and get refunds, and whether they would be induced to take out loans, the teacher said: "The institution can tell me anything, and I don't know anything else. It is no longer done. If you have any questions, just ask Go see them.

"

At the same time, some students whose online loans are due have encountered phone calls, "more than 10 calls a day, saying that they need to borrow money when it is due, and they can't catch up. High-speed train, let them find a way to pay back immediately, or come to borrow money from home if they don’t pay back.

“A student who took out a loan of 3,000 yuan through Spider Digital Technology received nearly 10 collection calls every day after it was overdue. The current second installment tuition fee of RMB 250 is 30 days overdue and is RMB 126.5. "The fine is too high, and I can't pay it back.

"

Molly receives at least two collection calls every day. The phone number is different every time, so blocking them is useless. “The bank card has been frozen.

I can't even pay it back now. Because of the COVID-19 disaster, we cannot leave school.

”

For online consumer loans for college students, in fact, in April 2023, five departments including the China Banking and Insurance Regulatory Commission and the Central Cyberspace Administration of China jointly issued the "On Further Regulating the Supervision of Internet Consumption Loans for College Students" "Notice on Management Work", small loan companies are not allowed to issue online consumer loans to college students, and unapproved institutions provide credit services to college students

In this case, the academic teacher of "The Paper" called Spider Digital Technology, platform staff said that after the school signs a loan agreement, the money will be transferred to the account of the educational institution. Is there any fraud on the part of the institution?

As for whether they know that the borrower is a student, the staff said that they will know when they collect the money. He is a student, but a loan has been issued. Even a student has to repay. "I know that the student does not have the ability to repay, so I tell my parents to pay back

"

"The Paper" Academic Affairs The teacher also called several platforms such as Xianxiangxue, Jingdong Baitiao, Haier Consumer Finance, Chengxinxuefu, etc. Some platforms stated that they would call to verify before lending, but if the lender intentionally conceals the student's identity, it would be difficult for the platform to verify the student loan. The situation will be further understood.

Jingdong Baitiao has handled some student complaints and stopped cancellation fees, while other cases are still being verified and processed. In case of fraud, students are advised to call the police.

Editor in charge: Cui Xuan Picture editor: Zhang Tongze

Proofreading: Liu Wei

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