June 5438+last year 10, after graduating from secondary school, she bought two courses, from secondary school to junior college in Shandong Normal University and from junior college to undergraduate in Shandong University. Because the major did not meet expectations, on February 25th this year, Li _ asked for a refund, but was rejected by the entrance staff on the grounds that it was not refundable.
At present, there are 280 hours and 47 minutes left in the course of Li _ University, and the undergraduate course is useless.
On March 3rd, Interface Education inquired about further education sales as a student. The other party said that Shandong University and Shandong Normal University, which Li reported, had cooperation in continuing education. However, the two schools replied to the interface education on the same day, saying that there was no cooperation in continuing education, and Shandong Normal University did not set up a college.
According to the eye survey, the affiliated enterprise of further education is Shenzhen Further Education Culture Communication Co., Ltd., which provided adult education promotion service for the first time on 201/kloc-0, covering self-taught examination, adult college entrance examination, distance education, postgraduate examination, teacher qualification certificate and accounting qualification certificate. In 2065438+2008, Shenzhen Venture Capital received a round of financing of nearly 100 million yuan.
As of March 3rd, Black Cat's complaint about further education 10536 mainly focused on "difficulty in refunding fees", "installment loan", "inducing admission", "overlord contract" and "false propaganda".
Li _, who is applying for a refund, has also encountered this situation. "I'm not sure if I've ever met a training loan. (Sales) only said that it was an installment payment, and no contract for installment training loans was found. "
Li _' s two dishes total *** 13239 yuan. According to the contract, the down payment is 662 yuan, the monthly payment is 1049.6438+02 yuan, and the tuition can be settled in one year. She pays the tuition to Shenzhen Nanshan Baosheng Village Bank Co., Ltd. every month. A compelling survey shows that Shenzhen Nanshan Baosheng Rural Bank Co., Ltd. supports long-term and short-term loan business, and its major shareholder is bank of luoyang.
Education or having multiple loan partners. According to the screenshot provided by Zhao Zheng, an anonymous user who complained about black cats, black cats used "Yi Rong staging". Sky-check shows that the affiliated enterprise of this institution is Shanghai Shimiao Information Technology Service Co., Ltd., which is held by Times Jinke (Hong Kong) Holdings Co., Ltd. 100%.
The day after purchasing the course, Zhao Zheng found that he had encountered an installment loan, so he offered a refund. Continuing education, delaying the refund application on the grounds of "slow financial payment, three months later". In addition, Zhao Zheng is required to pay a penalty of 1047 yuan and continue to pay the three-month installment loan. Now he has been blackmailed by the staff who are studying.
Li Ming, who has been engaged in educational sales for 3 years, told Interface Education that salespeople generally weaken loan information and emphasize installment payment instead. Students are generally required to take photos with their ID cards to identify faces, and consumers can pay attention to screening accordingly.
Don't students know that installment loans can be refunded?
Liang Yuru, a partner lawyer of Beijing Ting Yun Law Firm, told Interface Education, "If there is fraud, coercion or major misunderstanding against students' true wishes, students can request the court or arbitration institution to terminate the training contract, but students need to provide evidence to prove that there is fraud, coercion or major misunderstanding. "
Due to the closure of the company, students from another academic upgrading institution also encountered the problem of refunding fees.
On February 28th, Baiping Education, a 20-year-old teaching and training institution in Guangzhou, announced that it would stop all kinds of teaching and services from now on due to the recent financing failure and the broken capital chain, and would apply for bankruptcy liquidation. More than ten branches of Baiping Education have been cancelled.
Guangdong Baiping Culture Technology Co., Ltd., a subsidiary of Baiping Education, was established in June 2003. Eye-check risk information shows that the company has been sued for contract disputes many times. This year 1 was enforced by 32,684 yuan.
An anonymous user on the black cat complaint said that on April 30 last year, he paid a one-time fee of 6950 yuan for the promotion of the college. As of February 27th, Baiping Education
The cash flow of educational enterprises mainly comes from tuition fees received in advance, including cash payment and education loans. Among them, the customer base of cash payment is limited, and education and training loans can be used as a means to expand the customer base and realize the increase of upfront expenses.
Once the capital chain of an education company breaks or goes bankrupt, students will face the pressure of refunding fees and continuing to repay loans. Because the loan service is signed by students and third-party financial institutions independently, students can't refuse to repay because of the termination of educational products.
In July this year, the "double drop" policy clearly stipulated that off-campus training should control the advance payment of off-campus training institutions through third-party custody and risk reserve, and strengthen the supervision of loans in the training field. On March 3rd, the Ministry of Education, the National Development and Reform Commission and the General Administration of Market Supervision jointly issued an announcement on regulating off-campus non-disciplinary training, which also mentioned that "training loans should not be used to pay the training fees of primary and secondary school students".
"Now students are generally not advised to use installment loans. Internal training loans are strictly audited, and students' use of installment loans will lead to a decrease in sales commission. "An insider of an adult education institution told Interface Education.
(At the request of the interviewee, Li _, Xiao Yu and Li Ming are all pseudonyms. )
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