Ask for a refund. If the training institution says that the installment payment will not be refunded if it is not received, consumers should first communicate with the training institution in time and ask the training institution to provide supporting documents related to its financial situation, such as bank receipts and vouchers. If the training institution fails to collect the trainees' money on time for justified reasons, consumers should ask the training institution to collect the money at other times and provide them with supporting documents in time, otherwise they can report the training institution according to law.

If the training institution insists on not giving a refund, then consumers should safeguard their legitimate rights and interests. First, you can submit a written refund application to the training institution and ask for signature confirmation. If it still cannot be effectively solved, consumers can complain to the relevant departments and sue the training institutions. In the process of complaints, consumers should provide relevant certification materials, record the conversations and processes of all links, and ask relevant departments to investigate and deal with training institutions. When the training institution says that the installment payment will not be refunded, consumers should first safeguard their rights and interests according to laws and regulations, and should ask the relevant departments for help when encountering difficulties. At the same time, we should also carefully choose training institutions and read the terms of the contract carefully before signing the contract to ensure that our rights and interests are protected.

For example, there are some misleading or inducing behaviors in the sales of education and training institutions, such as repeatedly emphasizing that installment payment can reduce the pressure of paying the full amount in one lump sum, "interest-free" and so on. , it will weaken the loan attribute and risk of "training loan" and induce consumers to use "training loan" to pay. It is very easy for consumers to sign loan agreements with banks or other financial institutions without knowing it, which is suspected of breaking the law.

According to the law, the requirements for installment payment are as follows:

1, aged between 18 and 65 years old.

2. Have a stable salary or a stable job.

3. Have full capacity for civil conduct.

4. Have repayment ability, good personal credit and no bad record.

The advantages of installment payment are as follows:

1. Handling the installment is convenient and quick, and there is no need for cumbersome guarantee.

2, you can enjoy first and then pay, improve the quality of life and disperse the pressure of centralized payment.

3. Improve consumption power

4. Installment payment can reduce the initial expenditure cost.

5, you can spend the least money to buy your favorite goods.

I hope the above content can help you. If in doubt, please consult a professional lawyer.

Legal basis: Article 634 of the Civil Code of People's Republic of China (PRC).

If the installment buyer fails to pay one fifth of the total price and fails to pay within a reasonable period after being urged, the seller may demand the buyer to pay the total price or terminate the contract. If the seller terminates the contract, it may require the buyer to pay the fee for the use of the subject matter.