Is it effective to report that Dana's education installment loan was cheated?

1. Is it useful to call the police when Dana's education installment loan is cheated?

Of course, it is useful to call the police if you are cheated.

2. What are Dana's training courses? I want to enter school recently. Please give me some advice!

Dana is mainly engaged in IT training. Training courses include java, C, php, android,. Net, software testing, etc. Dana is a high-end IT training institution established in Beijing in 2002. It has successively obtained financing from IDG (American Data Group) and Jifu Asia. Up to now, it has developed for 10 years, trained more than 90,000 students, and cooperated with17,000 training enterprises. It is a first-class IT training institution in China.

Third, Dana's training loan should be credible. Is there really a guarantor to give Dana money? Still playing with the white wolf with empty gloves

Dana and CreditEase are both regular companies, and they will definitely not play virtual games. Moreover, after Dana is listed, it will be tried out or eaten for free. Allowing these virtual deposits and cooperative loans is also normal cooperation. One will give you money in advance and the other will study for you in advance. What's the matter? It is enough to say that the boss should believe that it belongs to the boss Dana. Does anyone really believe it?

Fourth, Dana loan training

"In order to find a job, I borrowed twenty thousand dollars to study. As a result, I learned nothing. In addition to the principal, I have to pay more than 10 thousand interest. " "At that time, I promised to find a job and said that I would help me find a job. Later, no one could find it for a while. " "When the dunning call came to my house, I was particularly afraid that my mother would have a seizure after she knew it. My grandmother and grandfather are both over 80 years old, and I dare not say so. " These young adults are trapped by a training institution called Dana Education, and "money" runs through the whole process of their "training loan" in Dana. Because of lack of money, 3354 wanted to find a job and earn money by learning technology, and was "guided" to borrow money to pay tuition fees and then pay back the money. Dana Times Technology Group Co., Ltd. (hereinafter referred to as "Dana") was established in 2002, focusing on IT technical training. In 20/0/4, KLOC was listed in the United States, becoming the first vocational education and training unit in China. In the publicity, the concepts of "employment before payment" and "employment" were emphasized. The cost of course training is generally around 22,000 yuan, and the training targets are mostly young people who have just grown up and have a junior high school education. For students who can't afford high tuition fees, Dana cooperates with some online lending institutions to recommend "training loans" to students. However, some young people found that the course content did not meet expectations, and "guaranteeing employment" was just a blank check. To make matters worse, they are burdened with unbearable debts. Is it legal to collect these fees? Can Dana play the triple role of product provider, loan intermediary and loan guarantor at the same time? Is it a pie or a trap for educational institutions to take "training loans"? "first sin": inducing loans? 00, Susan Wang, who had not graduated from technical secondary school at that time, was in debt for "training loan" and worked in the assembly line of injection workshop of Changyadi Automobile Company. "Have a part-time job, 15 yuan for one hour. My salary is only over 2,000 a month. " Susan Wang said, "and my family condition is not very good. My mother collects waste products in Liuyang's hometown, and my father works in a construction site in Zhejiang. " According to the contract provided by Susan Wang, the address of his personal information office is Liuyang City, Hunan Province. There is no address of the training institution in the contract, only Dana's seal shows "Guangzhou Dana Information Technology Co., Ltd.". In the follow-up communication, Susan Wang expressed to the staff the idea of going to Changsha Dali Xianfang Branch for class, but the other party asked him to go to Guangzhou for communication. "If you go to Guangzhou, it costs more than 200 yuan by train (one way) and at least 600 yuan by high-speed rail (one way)." Therefore, Susan Wang didn't go to Guangzhou. After communication, Dana sent an online course to Susan Wang. But after several online courses, Susan Wang was disappointed and didn't want to continue training. To make matters worse, due to his resignation one month after signing the contract, Susan Wang was once caught in a predicament of no income, which also led to his suspension of repayment. As of March 25th, 2023, it has been two years since Susan Wang borrowed money, and he has only paid back the first and second installments, totaling 527.84 yuan. The page of his "Hua Qian" account shows that the amount to be repaid is 384 15.98 yuan, including interest of 6,039.98 yuan and penalty of 9,576 yuan. "This affected my credit. I often receive debt collection calls and text messages. " Susan Wang said. Yang Er was also attracted to Dinah. Unlike Susan Wang, 19-year-old Yang Er saw Dana's job advertisement for the first time in 58 cities, and applied for Dana with a job-hunting mentality. During the interview, Dana told her that she didn't have enough education, but she could train in Dana. "They said they would introduce me to one during my study and study while working. I will find another job after studying. " Attracted by Dane's verbal commitment, Yang Er decided to sign up for study. According to the registration contract provided by her, Dana is responsible for recommending her job after the course, and the salary is determined according to my learning skills and talent market. According to her, after she promised to register, she provided the staff with the original ID card, and the staff borrowed 2 1800 yuan in person to register her for the UI design course. After registration, Dana sent several training videos to Yang Er and equipped a teacher to answer questions about the teaching content. After several classes, Yang Er said it was difficult for her to keep up with the teaching content. Teachers often can't give satisfactory answers to her questions, and the teaching situation is not ideal. As for the benefits of "introducing jobs" mentioned earlier, Yang Er said that Dinah didn't introduce her to any jobs. In the end, she assumed a debt with a principal of more than 20 thousand yuan. Yang Er didn't continue his study because he was not satisfied with the teaching content. Because she has never had a job and can't repay, she can only watch the repayment reminder pop up every month. "The second crime": Join hands with online lending platform to launch "training loan". Is Dana's guarantee fee compliant? What kind of company is Dana? According to public information, Dana's operating company is Dana Times Technology Group Co., Ltd., which was established in Beijing in 2002. The company has been invested by IDG Capital, Goldman Sachs Group and other financial institutions. 20 14 On April 3rd, Dana was listed in the United States as the first vocational education and training unit in China. There are 342 learning centers in 70 large and medium-sized cities such as Beijing, Shanghai, Guangzhou, Shenzhen, Nanjing, Hangzhou and Chengdu. , with more than 654.38+ten thousand employees, and accumulated trainees 1 ten thousand. 20 19 1 1, Dana was exposed to "financial fraud" and received a delisting notice. In February, 2002 1, 1, Dana's closing price was lower than1USD for 30 consecutive days, and she faced the risk of delisting again. This is the first vocational education and training company in China, and it has been deeply cooperating with lending institutions. So is Dana. Dana said in the 2020 financial report that since 2006, considering that college students can't afford the course tuition, Dana has provided eligible students with the option of paying tuition after graduation. In fact, this payment method is completed through "training loan". In 20 18, 20 19 and 2020, 45.6%, 52.3% and 15.0% of the students respectively obtained loans provided or arranged by financing service providers to pay tuition fees. At present, Dana's cooperative lending institutions include Baidu Co., Ltd., BOC Consumer Finance Co., Ltd. and Beijing Ronglian Century Information Technology Co., Ltd., and Dana has gained a lot of "returns" by recommending loan products to students. Dana Technology's 2020 financial report shows that when Dana promotes the loan products of financial service providers to students, she can get a "loan repayment service income", which is charged according to the loan principal amount and confirmed with financial service providers every month. From 20 18 to 2020, the income from the referral service fee of Dana's technology loan is180.96 million yuan,199.39 million yuan and 780/kloc-0.00 million yuan respectively, which is 45.836 million yuan. More than that, Dana also has a role-"guarantor". According to the financial report, Dana provides guarantee liabilities and collects guarantee fees for students who pay tuition fees with loans. This fee is included in the tuition fees charged. If the student breaches the contract, the financial service provider has the right to charge Dana unpaid interest and principal. From 20 18 to 2020, the guarantee fees charged by Dana Technology are 8969 10000 yuan, 47 189000 yuan and 13008000 yuan respectively, and * * is about150 million yuan. The total income of guarantee fee and loan recommendation service fee in three years is nearly 200 million yuan. What is a "guarantee fee"? Are there any relevant qualifications for guarantee service providers in law? "In addition, the training institutions themselves do not have the license qualification to engage in guarantee business and provide financing guarantee services for a long time. If it does provide guarantees for loans, it is also beyond the scope of operation, and its own business behavior is illegal. " Lawyer Sun Binbin added. Lawyer Zhou You believes: "Providing external guarantee is an independent decision-making matter for ordinary private enterprises, not a franchise or pre-approval matter. However, taking' providing guarantee as a business' involves a special business license. " Then, as a service provider, can Dana play the multiple roles of guarantor and intermediary at the same time? Take the familiar mortgage and car loan as an example. In the process of loan processing, real estate companies and auto 4S shops will also recommend cooperative financial institutions. But the difference is, "Under normal circumstances, real estate companies and auto 4S shops will not provide guarantees for consumer loans, but consumers will provide sufficient credit certificates, collateral or guarantors to financial institutions. Loans are generally paid directly to merchants by financial institutions, but consumers will be informed of the loan situation and the first repayment period by SMS or telephone. " Lawyer Sun Binbin warned. It is worth noting that some students asked Dana to issue a tuition invoice, and then Dana sent a so-called "electronic invoice". A financial practitioner who once worked in four major accounting firms pointed out that this is not a real invoice, but a receipt. "The third crime": How many young people are in debt behind Rainbow Mountain and nearly 200 million yuan's income, suspected of false propaganda and exploiting loopholes in supervision? By April 20, 2023, there were 2055 complaints about Dana on the black cat complaint platform, most of which were "false propaganda", "induced loan" and "overdue refund". "At the beginning, I applied for more than 20,000 loans, saying that they were all tuition fees and promised to go out to work 1 10,000. Later, I said that the salary for going out to work was only five or six thousand. If I want to get more than 10 thousand, I want to learn illustration, and I have to pay 7800 and the loan interest is 2300. " "June 5438 +20201October, I was looking for a job in the same city in 58, and I was contacted by a recruitment in Dana. They contacted me for several days under the slogan of free training and employment. I was really moved and went to Hefei. They asked me to pay 20800 yuan for tuition. I said I didn't. They asked me for a loan? " Students wrote down their experiences on the complaint platform, and "difficult" became one of the high-frequency words. Lawyer Zhou You analyzed that there is a gray area in the "education and training loan" itself, and the key lies in whether it involves false propaganda and whether it is serious enough to constitute fraud. For example, malicious collusion between a training institution and its recommended employer may constitute fraud, which is a criminal issue. Judging from the available information, we can only say that Dana may be suspected of false propaganda, which is an advertising law or a civil issue. "Dana's problem is that, as a loan outsourcing service role, it induces students to borrow money to guarantee their employment commitments. There are fraudulent and induced publicity in marketing activities, which makes students unable to repay loans and refuse to refund tuition fees; The problem of small loan companies as financial institutions is that they turn a blind eye to Dana's false propaganda and are too casual in reviewing students' credit status and qualifications. " Lawyer Sun Binbin said. In February, 20021year, the general office of China Banking Regulatory Commission, the Secretariat of the Central Network Information Office, the general office of the Ministry of Education, the general office of the Ministry of Public Security and the general office of the People's Bank of China jointly issued the Notice on Further Regulating the Supervision and Management of Internet Consumer Loans for College Students, which clearly defined the Internet Consumer Loans for College Students. "The company shall strengthen the substantive verification of the identity of loan customers, and shall not set college students as the target customer groups of Internet consumer loans, and shall not conduct precise marketing or issue Internet consumer loans to college students. The outsourcing cooperation institutions of lending institutions should strengthen the screening of customers, and must not use false, misleading, induced publicity and other improper means to induce college students to consume in advance and borrow excessively, and must not conduct precise marketing on college students, and must not push or drain college students to lending institutions. " However, most of Dana's students are young people like Rainbow Shan and Yang Er, who have not been admitted to university for a long time. According to the person in charge of the first campus of Shanghai Dana, there are very few undergraduates in Dana education, with 20 to 30 students in each class, including three or four undergraduates. Compared with undergraduates, there are more undergraduates, but the overall proportion is not high. Many of the students he once taught dropped out of school in their teens to work in sales and catering, and came to Dana to learn skills in order to change careers. 20 19 The Research Report on Empowered Employment in inclusive finance released by the research group of the School of Labor and Human Resources of China Renmin University shows that people who receive education in stages are characterized by younger age and lower academic qualifications. The average age of installment lenders is 26.7 years old; 465,438+0.3% lenders have junior college education, and 24.9% lenders have high school education. In addition, this group of families is general, and the parents' education level is low: 50% of borrowers' parents can't afford the training fees for their children, and their education level is below junior high school. These students are about the same age as college students, but they are not in college. Their status is defined as social people, and the supervision in this respect may not be clear enough. "This incident really happened in a consumer group that is not a college student but has just grown up and is not so risk-conscious. Compared with Dana and other institutions, this group has unequal information and is in a very weak position in the whole incident. In view of this situation, in fact, more open and transparent standards can be formulated by industry associations to protect this group and make the relationship between consumers and training institutions more equal. " Lawyer Zhou You said. In order to repay the loan, in June, 20021,Susan Wang got on the bus from Liuyang to Changsha. Today, he delivers takeout in Changsha alone and lives a nine-to-five life. 5 yuan every day, 6 yuan every night, the monthly salary is about 6000 yuan. "Not bad, just a little tired" is Susan Wang's evaluation of this job. He earned 360 yuan on the day with the highest income, and worked from 8 am to 12 am. 202 1, 1 1, 1, Susan Wang got through Dana's customer service phone again. The staff asked him to pay off the loan and go to a campus in Changsha with the repayment record. But in the end, because the loan was not paid off, it was not realized. "I don't know when I can pay off. Spent money and didn't learn anything. I want to pay back more than 10 thousand interest. " (In this article, Susan Wang and Yang Er are both pseudonyms, and Yun Teng, a 2020 journalism student of East China Normal University, also contributed to this article) Related questions and answers: