Monthly part-time income of Zall Longteng organization 1500 yuan or above to guide the purchase of courses.
The interviewee of this photo is
The high list of part-time jobs has become cheap labor, and interest-free "education staging" is actually an online loan that affects expropriation ... Recently, hundreds of college students complained to paper book 020. It is reported that Nanjing Zall Longteng Education and Training Institute (now renamed Nanjing Shangxue Longteng Education and Training Institute) induces college students to take online classes and apply for online loans through high-priced part-time jobs, hoping to drop out of school for a refund, but they can't contact teachers and institutions, and students can't afford high loans.
"In fact, it's not that we lie, but that they really have very strict speaking skills. Basically, everyone they can contact will sign up.
Molly, a deceived student, told The Paper that there are 168 students in the rights protection group at present, and the amount of fraud ranges from 2,600 yuan to 8,600 yuan.
"They lied to us that education is in stages, and we can drop out of school for a refund at any time, but now I find this is a third-party loan platform.
"Some students are overdue by the loan platform.
On April 7th, the staff of Qixia District Market Supervision Administration, the registered place of Zall Longteng Education Institution, told The Paper that they had received telephone complaints from many students and were investigating and handling them.
On the same day, the education teacher of the test paper repeatedly called the person in charge of the educational institution and the teacher in charge of the refund, but the phone has been unable to get through.
Institutional teachers call online loans on third-party platforms "education segmentation" interest-free loans.
In order to make money through work, college students are burdened with high education loans.
On March 18, a student was almost killed when discussing how to recover tuition fees in the Nanjing Zhuoer Longteng Rights Protection Group, which was established by students spontaneously. After many contacts, the students contacted their parents and treated them in time.
"We are students. The pressure of loan is great.
"College student Molly is also one of the deceived students. She told The Paper that her family was very poor, and the tuition fee of 8,600 yuan was equivalent to her living expenses for one semester. In the process of safeguarding rights for nearly a month, she has produced many frivolous ideas.
Talking about the experience of being cheated, Molly said that many students began to be cheated because of the free learning materials shared on social platforms. "On the Internet, people often share learning materials such as English Band 4, Band 6 and PS. Add WeChat if necessary. So I added teachers from that institution.
In June 5438+February last year, Molly added a teacher who called herself Nanjing Zall Longteng Education and Training Institute. After sending the materials to the students, she recommended many online courses such as network design and video editing.
To Molly's delight, the other party said that she could participate in the "part-time class" of the institution and provide various part-time opportunities for free. There are a number of "part-time classes" group chats, screenshots of student commissions, and
"She said she could take orders after studying for twenty days. Even if there is only one poster design, there are two or three hundred. Part-time job can earn 500 yuan every month.
"
Molly said that she couldn't leave school because of the plague, and her family condition was very poor. She wants to earn living expenses through some part-time jobs on the Internet.
In the rights group, many students have the same idea as her.
"The courses they launched cost thousands of dollars. And only journalism courses (course news) can be part-time courses.
"After Molly said that she had no money to pay the tuition, the other party immediately proposed an interest-free' education installment'. Down payment 100 yuan, and the remaining 12 months to pay off.
According to the chat record provided by Molly, the other party said that he could take a part-time job after signing up. The monthly commission for part-time jobs is not only the study abroad fee, but also a lot of living expenses.
Molly asked if this education installment was a loan, and the other party said it was definitely not a loan. "If you don't want to cooperate with the state-supported education staging platform and learn to cancel it at any time, the loan will have a lot of interest. Not interested.
"
Under the "blueprint" described by the other party, Molly signed up for the "design all-round full-stack class" worth 8,600 yuan.
Subsequently, under the telephone guidance of the other party, loans were made through third-party loan platforms such as Huayuan and Xianxiangxue, and finally a loan of 7,700 yuan was made on the Xianxiangxue platform.
In order to let Molly pass the examination of the loan platform, the teacher asked Molly to provide a screenshot of the Zhang Xuexin website on the grounds that "enterprises can't find college students to take part-time jobs" and changed her education to graduate from high school.
It also provided Molly with the "words" to deal with the telephone interview of the loan platform. "It's the teacher in our school who called you. Just, please say that you have worked since you graduated from high school. If you are a college student, we can't give you a part-time job.
"
In the rights protection group, 168 rights protection students all completed loans through third-party loan platforms, involving loan platforms such as JD.COM Baitiao, Xianxue, House Buying, Honesty Credit Payment and Haier Consumer Finance, with a loan amount of 2,600 yuan or.
Many students said that in the process of handling, the teachers of this institution have always advocated "phased education" and can drop out of school at any time. In addition, the student said: "It is definitely not a loan. If it is not returned within 7 days, this education installment will be cancelled automatically.
However, after the deadline, students were told that all tuition fees had been remitted to the other party's account. Failure to repay on time will not only affect overdue fees, but also affect credit reporting.
He promised to retire at any time. When he left school, the teacher claimed to have retired.
After half a month's class, Molly began to feel something was wrong. "The content of teaching is basic, and nothing can be learned. I want to join the part-time group, but they have been lying to me that I can't take orders for what I am studying now. Please let me continue my study. If I can't pay my tuition in the first month, you will help me.
However, when paying the tuition fee for the first month, the other party did not reply to Molly's request for help. "Can't tell parents. Pay with living expenses, and then you can't eat for a month. Malnutrition at that time. Hair loss is very serious.
"
Molly said that in February this year, she repeatedly asked to join the working group. After paying the tuition for the second month, she was pulled into the work group.
I thought that taking more orders could solve the tuition problem, but after joining the group, Molly found that information about part-time jobs would be released every three or four days, and each part-time job could get 20 yuan's commission, and more than 400 people grabbed it together.
The actual part-time jobs of the part-time group are all in 20 yuan.
"My repayment pressure is too great. I can earn $20, but I don't know if this is a problem of ability or the customer is too mean. The design requirement of $20 is equivalent to that of a senior designer. No matter what the design is, the customer is not satisfied and has not got the commission.
"Molly said.
Janice, another college student who signed a contract with Molly at the same time, found it difficult to find a part-time job. She told the newspaper that her working group is also a list of 20 yuan's logos and web design.
Because it is forbidden to form a group, I need a private letter to be a part-time teacher, but the other party just announced that she took a private letter to grab the ticket. It is said that someone has come to pick her up. "I don't think these lists exist.
"
After placing many orders, Molly applied for a refund, but the other party encouraged her to continue her study on the grounds that she is now a basic class student and her ordering ability is limited, and the screenshot shows that "C4D order is 7500 yuan per minute".
"I have been studying for a month, and I really have no money to pay my tuition. At this time, she told me that if it weren't for class, she wouldn't drop out of school for a refund.
The other party said, "If Molly insists on dropping out of school, she must make regular monthly repayments first, and then calculate the remaining tuition after all repayments are completed."
At the same time, in the formal course student service agreement of Nanjing Zall Longteng Education Technology Co., Ltd. signed by Molly, every student is dissatisfied with the course quality or part-time job list, and they all explicitly promise to support them to drop out of school at any time, and the subsequent tuition fees do not need any fees.
The teaching quality is poor, the part-time job is not guaranteed, there is no order-taking service, there is no one-on-one guidance for part-time job, and network designers are introduced. Tuition will be refunded in full.
When applying for a refund, the other party told Molly that he owed the online loan. If you don't compensate, it will affect the credit investigation.
However, Molly was unable to repay the loan. The bank card she is bound to is handled by the school. After many deposits were withdrawn in time, she was judged to have been defrauded and her bank card was frozen.
On March 10, Molly found that the teacher had banned her from class. The educational administration teacher in charge of teaching told her that the company has applied for enterprise reorganization, and students in other courses will not be refunded except within 72 hours after placing an order.
If some students insist on a refund, it is recommended to protect their rights through judicial channels.
In the rights group, nearly half of the students deleted their friends and didn't return messages, because their first teacher "retired" after applying for a refund, and some students were directly banned. "She told me not to harass, and then had an accident.
"
A classmate told The Paper that as early as March 8, the academic management teacher was in trouble because of the intervention of shareholders and was filing for bankruptcy.
However, on March 9, some students paid the deposit after the discussion.
In addition, on April 6, several students sent screenshots to the newspaper. It is reported that there are still newcomers in the part-time group and class group, and the part-time group also pays part-time wages every day. "This group has been banned, and adding friends through group chat is restricted. Otherwise, I want to tell you that they have been cheated.
"
In addition, when a student found a teacher who claimed to be retired asking questions in a circle of friends who distributed classroom publicity, the other party said that the teacher in charge of her had indeed retired. This micro-signal is the company's account, and the new teacher continues to use it. So far, I don't know the refund promised by the teacher.
"I started with one-on-one guidance, and all the agreements were also said by the instructor. Now he says he will resign if there is a problem. I think I'm crazy about mold.
Janice said that the telephone in the office was disconnected, the teacher retired, and most students faced a refund.
A student who was overdue for one month was fined more than half of the principal.
The relevant institutions "lost contact" and the Market Supervision Administration intervened.
According to industrial and commercial information, Nanjing Zall Longteng Education Technology Co., Ltd. was established on April 8, 2023, and was renamed Nanjing Shangxue Longteng Education Technology Co., Ltd. in June 5438+ 10 this year.
From March 9 to April 2 this year, the company was unable to contact the registered address and business premises for three times, and was listed in the business exception list by Qixia District Market Supervision Administration and Jiangning District Market Supervision Administration of Nanjing.
On March 30th, Wuhu Branch was also listed in the list of business anomalies by Jinghu District Market Supervision Administration of Wuhu City.
On April 7, the newspaper's education teacher called Qixia District Market Supervision Administration. The staff of the bureau told The Paper that they had received telephone complaints from several students, and the Longtan Branch was currently investigating and handling them. "We sent people to collect evidence immediately after receiving the situation, but this company was hung on the registered address and did not actually operate, so it was included in the business exception list.
"
The staff member said that the legal representative of the company has sent a client to handle it after the market supervision contact. "They are now going through the formalities of changing their registered place, and they are also urged to handle these complaints as soon as possible.
The staff member said that Qixia District Market Supervision Administration will continue to follow up this matter until the problem is solved.
On the same day, the education teacher of the test paper repeatedly called Xia Minghong, the legal representative of Nanjing Zall Longteng Education Technology Co., Ltd., and the teacher in charge of refund, but the phone has been unable to get through.
After another sales teacher connected the phone, he said that he had retired and the refund must be handled by contacting the authorities.
Regarding whether the students promise to drop out of school at any time and whether they will induce loans, the teacher said: "The institution can tell me anything, and I don't know anything else. I'm not doing it now. If you have any questions, go and see them.
"
At the same time, some students whose online loans have expired have also received calls. "There are more than 10 calls a day, saying that it is due to borrow money and can't catch up with the high-speed rail. Let them find a way to pay it back immediately, or they will go home and borrow money if they don't pay it back.
"A student who borrowed 3,000 yuan through Spider Digital Technology received nearly 10 dunning calls every day after the deadline. At present, the second tuition fee in 250 yuan is 30 days overdue, which is 126.5 yuan. " The fine is too high, I can't afford it.
"
Molly gets at least two dunning calls every day. Every time the phone number is different, it's no use hacking it. "The bank card has been frozen. I can't pay it back now. I can't leave school because of the COVID-19 disaster.
"
For college students' online consumer loans, in fact, in April 2023, the Bank of China Insurance Regulatory Commission and the Central Network Information Office jointly issued the Notice on Further Regulating the Supervision and Management of College Students' Online Consumer Loans. Microfinance companies are not allowed to provide online consumer loans to college students, and unauthorized institutions provide credit services to college students.
In this case, the education teacher of the paper called Spider Digital Technology, and the platform staff said that after the school signed the loan agreement, the money would be remitted to the account of the educational institution, and there was no fraud in the institution.
Regarding the question of whether the lender is a student, the staff said that they knew it was a student when the dunning was made, but the loan had been issued and even the students had to pay it back. "I know this student has no repayment ability, so I told my parents to pay back the money.
"
The newspaper's education teachers also called several platforms, such as Xianxiangxue, JD.COM Baitiao, Haier Consumer Finance and Integrity Learning Payment. Some platforms said that they would check the loan by phone before lending, but if the lender deliberately conceals the student's identity, it will be difficult for the platform to check and the student loan situation will be further understood.
Among them, JD.COM Baitiao has handled some students' complaints and stopped canceling fees. Other conditions are still being verified. Students are advised to report fraud to the police.
Editor in charge: Cui Xuan Photo Editor: Zhang Tongze
Proofreading: Liu Wei
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