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All said following the exposure of naked borrowing, recently, Guangzhou has hundreds of university students are campus public lecture routine training the student loan scam, noisy agency Dun, some students even said debt, really makes people live.
What is training loan
XX training, 0-1 annual salary of 6K; 1-2 annual salary of 10K; 2-3 annual salary of 18K. As long as you come to protect your high salary.
Zero based paid internships, no money can also help loan training, and even personally operate on behalf of you. As long as you come, training institutions one-stop service.
This is the usual language training loan agencies. The business is aimed at graduates who are eager to find a job and pursue a high salary. The publicity carefully set up as if it were raining flowers, bait, lack of qualification training institutions and loan institutions appear together, so many young people inadvertently got a knife.
A new variety of financial innovation under the banner of training loan is the campus loan, specifically Kengpian inexperienced College students.
The day before, Guangzhou has dozens of college students and parents report, called Guangzhou roadman Education Technology Co. Ltd. let no economic ability of them on the back of a million in debt with such a routine. According to statistics, there are about 270 students have this experience.
Do not training loans, the five routines
Below, we, according to the case, sort out the training loan, the five routines.
Routine one: the secret of school lecture
The 19 year old Xiaoying enrolled in Guangzhou Medical University, is a freshman. Xiaoying recalls, in November last year, entered the university campus is only two months, she happened to see someone handing out leaflets in the campus on the road, said there is a lecture on employment, and interest.
With the small English, many students said that they come into contact with the company, from the company in the school run. The lecture is about the current employment environment, the speaker has always stressed that college students have your IQ, EQ, but there is no financial business (i.e. money).
After listening to lectures, students receive a form, the above requirements to fill in personal information, including name, mobile phone number and e-mail.
In addition, some students are in the form of questionnaires sent to the students in contact with the company. A student said, last summer, elder sister to the new contact QQ group questionnaire survey on employment and entrepreneurship, that is their job, I will help you, leave the name and contact questionnaire.
It turned out that the contact information on the questionnaire was eventually directed by the company to collect the next round of centralized marketing.
Routine two: one to one to suppress the students, and even people cry
A few days after the lecture, Xiaoying in the mail received a questionnaire for guiding people’s occupation. She filled out, there is a staff member to contact her, said to help me do a free career counseling, the questionnaire on the issue of one on one, I asked whether I can go to their company.
More than five thousand students said the company will require students to do a similar to the big man of the game, the process involves the purchase of shares and financial behavior.
In the game, the staff of the guide will always question you, pressure you, pointing out your shortcomings. Xiaoying memories, the presence of almost all the students were suppressed again, they will say that your financial is not enough, even if you are executives, monthly salary can reach much, but you don’t manage your money, would eventually end up in bankruptcy.
After the game is called one on one career assessment. The so-called career consultant students will be precise blow.
Routine three: hunger marketing evaluation report analysis, the staff began to introduce the so-called blue ocean plan.
Training is not free. Little was heard, the first six months of each month to pay the tuition fee of about 400 yuan, after 12 months of monthly offer 800 yuan, she began to beat a retreat. At this point, the company’s staff said the guide, the platform will provide part-time opportunities.
Routine four: students in the interview, in fact, is applying for a loan
Xiaoying later agreed to join, 100 yuan quota reservation fee is returned. Xiaoying said, she was asked to hold the ID card and a staff in the photo.
A staff member gave her a staging (third party loan company) application form. According to the curriculum Xiaoying form, called blue ocean, the price is 8900 yuan. It required to fill in the personal mobile phone number, mobile phone service password, the communication network password, bank card number, name and address of school, monthly income and expenditure, parents name and phone address form, telephone and other key information two relatives and a friend or colleague.
Submit your information, there is a third loan company representatives asked her signature on the computer, I don’t know is a loan, because I didn’t see the provisions of the contract, this is do as they say, signed. Many students told reporters that he was in a state of confusion, or simply did not have time to view the contract, it has been a loan.
Routine five: commercial combat? Selling fruit on campus
In November 15th last year, the company once again came to the small English, to complete a loan contract and the blue ocean project agreement signed. The agreement shows that the cost of study for Xiaoying installment payment by third party financial institutions staging for payment, the number of phases for 18 months, 6 months before the monthly repayment of 392 yuan, 12 months after the monthly repayment of 793 yuan. Such a calculation, the total amount of loan Xiaoying million.
Xiaoying said, his signing a contract to feel some regret, but the other side stressed that the penalty is the actual tuition 20%, let her away.
However, the so-called Blue Ocean plan course, lectures on some of the things that are very weak fundamental theory, can learn from books, not worth ten thousand yuan tuition fees, also improve what ability.
As for part-time opportunities, many students said that in fact, but some companies or promotions part-time. Some students said, in the direction of the introduction of the two men and workers, one is in the cinema when the waiter, a housekeeping, occasionally to the rich to clean up……
Results: students from carrying loans, said it has not survived
Some students found that the company is located in the Pearl River New City office space, in the car’s educational base are empty.
At present, some students have no regular monthly payments, they will receive a reminder call or receive a reminder message. Because most of the students received this information for the first time, they felt very afraid.
Provide students with the Dunning information display, third loan company commissioned the collection agencies for money, said it would take to report credit report, to the students home, the local police station, the village government departments to send investigation letter, will be investigated for the criminal responsibility means students. Have students reflect that their parents have received a reminder call, think this is a kind of harassment.
According to the list obtained from the students, by incomplete statistics, there are about 280 students to reflect their own through the company to the third party loans. At present, most of them in the police departments of economic investigation. The case is under further investigation.
Garden loan triggered tragedy sounded the alarm
Campus erosion of university campuses, is not a two tragedy. How to avoid tragedies?
01 should be involved in the judiciary to investigate violations of lending, violence, urging the debt of the campus loan, the legal liability for the loan shark.
02 crazy for campus loans, financial institutions, education departments and universities, students can work together to launch emergency life, entrepreneurship and other small loan projects.
03 of the campus loan application provides clear standards, that college students apply for any channel loans, must be submitted to the views of parents, schools, parents, school school is at least known, rather than individual students can apply, which prevent students from being cheated by illegal organizations, parents and schools can play to supervise and examine the role of.
04 education departments and universities need to strengthen the financial management of college students, the campus loan as a high-risk project to be early warning.
Students to prevent bad campus loan
We establish a correct view of consumption and money;
The college students should strengthen the awareness of self-protection, not competition, is not blind;
I think twice, do not easily believe that lending advertising;
- TRT6 GASSTOP