Xiaoying, 19 years old, a freshman in Guangzhou Medical University. Xiaoying recalled that last June, 5438+065438+ 10, only two months after entering the university campus, she happened to see someone handing out leaflets on the campus road, saying that there was a lecture on employment, so she became interested.

Like Xiaoying, many students said that they came into contact with the company because of the lectures it held on campus. The lecture that day was about the current employment environment. "The speaker has always stressed that you college students have IQ and EQ, but they just don't have financial quotient (that is, the concept of financial management)."

After listening to the lecture, students received a form asking for personal information, including name, mobile phone number and email address.

In addition, some students came into contact with tour guide companies through questionnaires sent by their classmates at school. Some students revealed that last summer vacation, "brothers and sisters" sent a questionnaire about employment and entrepreneurship to the QQ group of freshmen. "I said this was their homework, so I helped fill it out and left my contact information and name on the questionnaire."

Later, it proved that the contact information on this questionnaire was finally collected by the guide company and used for the next round of centralized promotion.

Routine 2: One-on-one fight to suppress students, and even make people cry.

A few days after the lecture, Xiaoying received a professional evaluation questionnaire from the tour guide's company in the mailbox. After she filled it out, a staff member contacted her and said, "You can give me a free career consultation, explain the questions on the questionnaire one by one and ask me if I can go to their company."

A number of students said that the tour guide company will let students play a game similar to monopoly first, which involves financial behaviors such as stocks and house purchases.

"In the game, the guide staff will always question you, suppress you, and constantly point out your shortcomings." Xiaoying recalled that almost all the students present at that time were suppressed. "They will say that your financial quotient is not enough. Even if you are an executive, how much can your monthly salary reach, but you can't manage money and will only go bankrupt in the end. "

After the game is the so-called "one-on-one" career evaluation. The so-called "career counselor" will give students a precise blow.

Routine 3: Hunger Marketing

After analyzing the evaluation report, the staff began to introduce the so-called "Blue Ocean Plan".

Training is naturally not free. Xiaoying heard that she had to pay tuition to 400 yuan every month for the first six months, and 800 yuan every month for the second 12 months, so she began to back down. At this time, the staff of the company said that the platform would provide part-time opportunities.

Routine 4: Students think they are interviewing, but they are actually applying for a loan.

Later, Xiaoying agreed to join, and the "quota reservation fee" of 100 yuan was also refunded. Xiaoying said that she was asked to take a photo with a staff member at the front desk with her ID card.

A staff member gave her an "application form for installment (third party loan company)". According to the form provided by Xiaoying, the course is called "Blue Ocean Project" and the price is 8900 yuan. The application form requires filling in key information such as personal mobile phone number, mobile phone service password, Xuexin.com password, bank card number, school name and address, monthly income and expenditure, parents' names and telephone addresses, telephone numbers of two relatives and a friend or colleague.

After submitting the information, the sales representative of a third-party loan company asked her to sign on the computer. "I didn't know it was a loan at the time, because I didn't see the terms of the contract at all. I signed it as they said. " Many students told reporters that they were in a state of confusion at that time, or they had borrowed money and had not had time to check the contract.

Routine 5: Commercial actual combat? Is to sell fruit on campus.

On June 5438+065438+1October1May last year, Xiaoying came to Goldman again and signed the loan contract and the blue ocean project agreement. According to the agreement, Xiaoying's study fee is paid in installments, and the third-party financial institution pays "in installments" 18 months. The monthly repayment is 392 yuan in the first 6 months, and 793 yuan in the second 12 months. In this way, Xiaoying's total loan exceeds 1 ten thousand yuan.

Xiaoying said that she felt a little regretful after signing the contract, but the other party stressed that the penalty was 20% of the actual tuition fee, which made her flinch.

As for the so-called "Blue Ocean Project" course, "all the theories in the class are very empty. You can't learn from books, and it's not worth the tuition of more than 10 thousand yuan, and you can't improve your ability."

As for the part-time job opportunities, many students said that they were actually just doing part-time jobs for some companies or promoting sales. Some students said that in the introduction of the tour guide, they took two part-time jobs, one as a waiter in the cinema and the other as a housekeeper, and occasionally went to a rich family to clean. ...

Results: The students took out loans by themselves, saying that they could not survive.

Some students found that the office space of Guideman Company in Zhujiang New Town and the education base in Chebei were empty.

At present, some students do not make regular monthly repayment, and will receive dunning phone calls or dunning information. As most students received this information for the first time, they felt very scared.

According to the dunning information provided by the students, the third-party loan company entrusts the dunning agency to dunning, saying that it will submit a credit report and send an investigation letter to the local police station, government, village committee and other departments in the students' hometown to investigate the students' criminal responsibility. Some students also reported that their parents had received a dunning call, which was regarded as harassment.

According to the list obtained from the student affairs office, according to incomplete statistics, about 280 students reported that they had borrowed money from a third-party loan company through a loan guiding company. At present, most of them report to the police in the economic investigation department. The case is under further investigation.