1. First, it can be settled through consultation with the operators of training institutions, and try to negotiate as much as possible. If negotiation fails, the injured party may request the local consumer association for mediation, or complain to the relevant local administrative department or education department.
2. If the situation is serious, Bi Douna, who has a large amount of fraud, can also report the case to the public security organ or bring a lawsuit directly to the court. No matter how much money you are cheated, you should first keep the evidence of fraud and protect your legitimate rights and interests, such as communication records, chat records, transfer or remittance records.
3. Legal basis:
Article 266 of the Criminal Law stipulates that whoever defrauds public or private property in a relatively large amount shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also or only be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, life imprisonment and a fine or confiscation of property. Where there are other provisions in this Law, such provisions shall prevail.
2. Is there any legal provision for training loan interest?
Article 25 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases: If the lender requests the borrower to pay interest at the interest rate agreed in the contract, the people's court shall support it, except that the interest rate agreed by both parties exceeds four times the market quotation of one-year loan at the time of the establishment of the contract. The "one-year loan market quotation" mentioned in the preceding paragraph refers to the one-year loan market quotation issued monthly by the National Interbank Funding Center authorized by the People's Bank of China from August 20th, 20th, 20th19th.
For example, on April 20, 2022, the annual interest rate of private lending 1 year LPR cannot exceed about four ten thousandths of the conversion date interest rate. Therefore, many students (job seekers) are attracted by the contract or the "daily interest rate is as low as four ten thousandths" on the publicity page of the lending institution, and fail to calculate the real annual interest rate (it is not until the shed money is paid back that interest and liquidated damages are surprisingly high.
Third, how do graduates guard against training loans
1. Check the qualification of the training company. Through the "National Enterprise Credit Information Publicity System" and other channels, we can inquire about their industrial and commercial registration information and find out whether they have relevant education and training qualifications.
2. Know the company you want to go to. You can search the comments of relevant companies on the employment website, and you can also log on to China website to search the company's participation in litigation.
3. Be highly alert to installment loans. In the process of finding a job, if you are "suggested" to pay by installment loan, you should be highly vigilant, scientifically and reasonably evaluate your own situation and potential risks, and make a careful decision.
Training institutions are defrauded of loans, and the amount involved is relatively large, so they can directly report to the police, because this behavior of training institutions has constituted a crime of fraud, but the police can safeguard their rights and interests only if there is relevant evidence. I hope the above content is helpful to you. If you have any other questions, you can click the button below to consult your fingers or consult a professional lawyer.