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Instalment change loan application is easy to refund

Time: 2016-07-26         Source: Nanfang Daily         Author: Cao Ai-Ai Deng Qiang

Reading: Instalments to buy a car to buy a car, the public is already very familiar with, but now many English training institutions have also started to buy and sell instalments. Tens of thousands of learning courses can be paid in installments, reducing the public's learning threshold? You can be cautious about such good things. Recently, the Nanfang Daily received several complaints of this kind. After the instalments, the courses would like to be refunded, but they encountered numerous obstacles.

According to the reporter’s investigation, training classes on such loans are not uncommon in various types of training institutions, especially adult training. However, once a consumer suspends a course and asks for a refund, they are not only unable to get a refund, but also We must continue to repay the loan to the bank.

Loan Lessons If you want a refund to pay a high amount of liquidated damages

In mid-June, Mr. Yang, the citizen, filled out a survey questionnaire issued by “Wald International English Training Institution” near Sports West Road. Since there was a contact phone number on the above, he was continuously received from the sales staff of the agency. Call and invite them to participate in the free trial courses provided by the agency.

On June 26, Mr. Yang came to this institution. The teacher of the institution, a surnamed Ye, received him. During more than two hours of communication, Ye did not mention the “free experience lesson” that the salesman mentioned. It was to sell Mr. Yang a set of 18-month English courses worth 29,800 yuan.

Mr. Yang said that after he explained that "the course was too expensive and there was not much money to pay," Mr. Ye told him that he could pay by "down payment + installment payment". Mr. Yang, who hadn't thought about it, then paid 1,500 yuan. down payment.

However, what Mr. Yang did not expect was that the application form he filled out at that time was actually a loan application form. It was not until two days later that he received a text message telling him that he had already been with the Bank of China Consumer Finance Corporation (hereinafter referred to as “Northern Silver”). )Consumer loans2.38 million yuan, repayment of 1322 yuan monthly for 18 months. "At that time, I told me that it was an installment payment. I never mentioned it waspersonal loan".

Mr. Yang faintly felt that there was a problem. Mr. Yang indicated to Ye that he wanted a refund, and formally submitted an application for withdrawal on July 8. Mr. Yang said that the sales informed him that according to the contract, it was necessary to deductBank loan interestFees, fees and contract breach of contract, after deducting the above costs, Mr. Yang can only return about 1.7 million.

The reporter saw in the refund application form sent by Mr. Yang that one of the loan interest charges was as high as 1,909 yuan. Mr. Yang was very dissatisfied with the results of the organization’s handling. “There was only one lesson on the way, but it would be very unreasonable to deduct expenses of 6,800 yuan.” Afterwards, Mr. Yang repeatedly visited Waller to negotiate refund matters. However, no explicit refund response has been received.

Easy repayment of loans is difficult

The example of Mr. Yang is not a case. Mr. Sun, who also signed up for training at Wall, has similar experience. On June 23 of this year, the citizen Mr. Sun signed up for an English course at the Wald training institution. On the registration day, Mr. Sun applied for a bank loan under the guidance of a course consultant and paid the remaining tuition fees in installments.

On July 4, Mr. Sun received a text message from Beiyin, stating that he would not accept Mr. Sun’s loan application. After Mr. Sun informed this course advisor, the course advisor stated that he would help Mr. Sun to apply for loans from other financial companies, but the course advisor did not give any reply about applying for a loan.

Mr. Sun said that on July 4th, he took the first class at the institution. However, considering that his work was not on business regularly and he was unable to attend the class on time, he would like to apply for a class suspension fee. On the afternoon of July 9, Mr. Sun went to the institution to apply for withdrawal and submitted an application for withdrawal on the same day.

Mr. Sun said that according to the agreement, students within one week of the start of the school can submit withdrawal applications to the school due to personal reasons. The school will deduct a management fee of 1,500 yuan from the tuition fees, and the remaining funds will be returned to the students. Ms. Lu, a curriculum consultant for Mr. Sun, stated that Mr. Sun had already exceeded the 7-day withdrawal period when he submitted his application, and Mr. Sun lost the previously signed agreement, so the refund is being applied.

However, Mr. Sun claimed that he had consulted the course consultant on the withdrawal process. The course consultants all stated that his withdrawal application had already been submitted to the Shanghai headquarters. He had to wait for the results of the headquarters processing. “Every time it’s a response, let me wait for the results, But there has been no news."

The Nanfang Daily reporter learned that today, this type of training for loans is not uncommon in various types of training institutions, especially adult training. A number of trainees who had passed the loan training indicated that at the time of registration, the entire loan process was very simple. Only one application form had to be completed, and they were not required to provide evidence of their salary and other evidence of their ability to pay.

It is difficult to pay attention to refunds

According to an industry source, in general, the training consultants of training institutions will make clear the various issues of instalment loans before consumers pay their fees. However, it is not ruled out that some course advisors are eager to take on the merits of the loan and conceal the loan and subsequent refunds. , causing consumers to sign agreements without being clear.

According to industry sources, once the training loan contract is signed, it is not so easy for consumers to end the loan contract. The reporter once called the customer service staff of Beiyin Consumer Finance Company to ask about this matter. The customer service said that if the lender fails to repay the loan on time, an additional fine of 30 yuan will be charged each month.

As for how to terminate the loan agreement, customer service stated that the key to the refund is “whether the training organization is willing to refund the money it borrowed from Beixue Consumer Finance Company in the name of the trainee”. As long as the training institutions return the loan amount to the company, the agreement can be immediately lifted. .

The reporter interviewed Yan Yaoqi, a lawyer of Guangdong Zhengda Fanglu Law Firm. Yan lawyer believes that if the parties signed a loan application agreement with the training institution, they stated that the parties officially authorized the training organization to apply for a loan. The training organization could apply for a loan from the credit agency on behalf of the parties concerned.

Regarding the lifting of the loan agreement that consumers are now facing, Yan Yaoqi stated that the trainee can consult with the training organization and the negotiation can not be used to sue the training organization through litigation.

In this regard, Guangzhou City Industrial and Commercial Bureau staff reminded consumers to enhance their awareness of prevention in advance to avoid consumption traps, and try to choose professional and reputable training institutions. In addition, when signing a training contract, it is necessary to carefully read the relevant provisions, in particular, to clarify the content of the core provisions of the curriculum, training costs, loan methods and fees, rest (transfer) procedures, and refund fees.

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