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校园贷又换新马甲涉事公司否认存在“培训贷”

2018年09月28日 21:44来源:网络整理手机版

原标题:校园贷又换新马甲 涉事公司否认存在“培训贷”

  南京多名大学生求职遭遇“培训贷”

  今年23岁的南京某高职学生黄丽(化名)刚毕业,就遭遇了“惨痛教训”——原以为在网上找到了一份高薪的工作,没想到却陷入了连环的套路,在公司参加半年的培训后,不仅没有获得这家公司之前承诺的高薪工作,反而让她背上了两万元的培训贷款。

  黄丽的遭遇并非个案。连日来,中国青年报·中青在线记者收到了多位深陷“培训贷”大学生的维权求助。

  校园贷风波还未平息,作为“新马甲”的培训贷又在社会上横行。天花乱坠的宣传,精心设置的诱饵,缺乏资质的培训机构和贷款机构搅在一起,让众多急于求职的大学生深陷其中。

  工作合同变成了包含贷款的培训协议

  今年1月初,黄丽在网上搜寻求职信息,看到一家位于南京市新街口的科技公司正在招聘新媒体编辑。简历投出后没过几天,她就收到了这家公司的面试通知。

  面试时,这家科技公司的人事经理告诉黄丽,她之前所学的专业并非新媒体类,既然如此,不如选择IT类的岗位,“做UI设计师,薪资水平高,发展前景也很好。”

  黄丽表示自己对计算机并不了解,但这名面试官不断给她介绍IT行业的发展前景,并承诺可以保障高薪工作。黄丽说自己没有这方面的经验,但对方却称黄丽条件很好,公司还可以为她提供培训。

  这名人事经理紧接着向黄丽介绍了公司的两种人事合同:一种是在公司工作3~5年,但薪资较低,每个月3500元;另一种是先在公司工作一年,每月工资4500元,一年结束后,她可以选择留在公司或跳槽。与第一种合同不同的是,签第二种合同,需要交培训费19800元,可以分期付款。为了让黄丽安心,她还表示其他公司的这一岗位的月薪一般都有5000元~6000元,即使跳槽,以后的待遇也有保障。

  听完介绍,黄丽表示自己更倾向于第二种合同。当她表示可以接受分期付款以后,就与这家公司签订了一份名为“实训及服务协议”的合同,在该公司学习一门名为UID(用户界面设计师)的课程。在对方的指导下,黄丽在其提供的表格中,详细填写了身份证号码和银行卡号等个人信息,并进行了手持身份证拍照和人脸识别等操作。黄丽记得非常清楚,当时并没有其他工作人员在场。

  直到1个月后的2月15日,一名自称“宜信贷款”的工作人员打电话给黄丽,她这时才知道自己背上了高息贷款。后来,她了解到此前培训时通过这家公司一共贷款19800元,共需还款25000元,利率在10%左右。

  记者在一名受害者提供的App“账单”截图显示,分期金额是19800元,分期期数24期(前6个月不用还,后期18个月还清——记者注),每个月要还清1364.22元。交易时间是2018年1月。

  黄丽觉得利息太高无法承受,今年8月,她一次性提前还清贷款。

  记者获得的一份《实训及服务协议》显示,实训周期是4个月,实训费用是19800元。在付款方式上,有“自筹资金”和“采用分期付款”两种形式。这份协议的“付款方式”条款写着,自筹资金0元,分期19800元。

  她回过头翻看合同才发现,合同里并没有提到培训期间发放工资和培训结束保障工作的条款。所谓的实习合同,只是一份普通的培训协议。

  被推荐职位与承诺有巨大落差

  让黄丽没想到的是,今年6月,为期6个月的培训结束,公司却让她尽快准备简历。公司给出的说法是,相关岗位目前没有空缺,但可以为她介绍工作。

  黄丽说,公司给介绍的一些工作跟此前所描述的相距甚远,甚至还有私营的小型打印店。去这些介绍的单位面试时她发现,之前这家公司所承诺的每月4500元工资根本无法兑现。

  与黄丽的经历相似,南京某高校会计专业毕业生李梦(化名)也在网上看到招聘信息,投了人事行政的岗位。面试官并未对人事岗位进行讨论,而是向她介绍IT行业的发展前景很好,薪资更高,可尝试投递该岗位,希望能回去重新考虑。

  复试时,李梦也被推荐了两种合同形式。李梦表示有意愿接受公司提供的实习,但无力偿还贷款。人事经理告诉她,实习结束后工资较高,有5000元左右,分期还款压力并不大。

  由于对方说法模糊,李梦认为实习结束后可以直接留下来工作,并且贷款可以从工资中扣除。考虑到转正后薪资较高,每月还款后还有剩余,李梦便签了实训协议。

  随后,对方主动推荐了一款叫“蜡笔分期”的App,表示银行不接受这种小额分期贷款。

  李梦回忆说,对方提到这款App有一些负面信息,劝说她不要相信。随后,李梦在该App上填写了自己及父亲的身份证号与联系方式,并进行了相关操作。

  “结束实训”后的李梦开始寻找新工作,但是她发现学了半年的UI设计相关的课程“压根儿派不上用场”,千龙电影网,该机构并不具备权威资质,她培训的技能在其他公司应聘时并没有说服力。她投了很多相关岗位,回音寥寥无几,面试过的几家公司给出的薪资也很低。

  作为美术类专业毕业生,张红(化名)在大学时曾学过UI方面课程,为此,他可能是最早发现被骗的人,“老师讲课过于简单,似乎并不精通所教课程,授课内容实用性不强。”

  他甚至质疑讲师的资质。不幸的是,他同样背负25000元的贷款。培训结束后,他在一家外包公司做网页设计,薪酬比之前承诺低得多,每月只有3000元左右,除去要还的贷款1000多元,生活压力很大。

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