My name is Bai Xiaozi

After the matter was known by the parents, they were severely scolded by the parents, but this could not solve the problem. I have already borrowed more than 200 million yuan. As soon as I got it, I immediately repaid all the small loans, intermediary fees, third-party loans, etc. I owed. In the end, I only had more than 80 yuan left.

Because the contract was signed in a hurry, I didn’t realize until then that I was cheated by the intermediary. The money was repaid for ten years, but the interest and repayment were all calculated on the basis of 20 years, and the repayment period was only ten years. In other words, in the tenth year, I have to repay more than 120 million yuan to the bank at one time, and the repayment method is almost the interest first and then the principal. More than 20, which is more than three times my salary.

My parents kept asking me where all the money was spent. I dare not say some money, such as the money spent on games, the money spent on a live broadcast software, being defrauded by telecom for watching pornographic content, the last bank loan, etc. I don’t dare to say a series of things. I can only say that I was cheated by marriage and love at the beginning, and then I used up a little bit at random, and there are several small loans. Lost more than 30 and so on.

When my parents heard that I spent 30 yuan in the gym, they were even more angry. They said that it was reported on TV every day that someone applied for a membership card in which gym, and finally went to the gym to complain about things. Why am I still in the gym? I spend so much money here, is it too much money to spend?There are also micro-loans. It is said on TV every day that micro-loans should not be touched, and that if you touch them, you will lose your fortune. I often watch TV with them. Why do you still touch them?This touch owed 240 million, what is it if it is not bankrupt?There is also the bank loan contract, have I read it? How can I sign such an exaggerated contract, which means that I have to pay the bank nearly 100 million more interest.In short, it seems that I have done nothing right, but mistakes are still mistakes.

At their request, I can only ask the gym to return the unfinished courses and the unused membership card.It wasn't until then that I figured out that they had a clause of 30.00% liquidated damages for refunds, not like depositing money in the bank as the coach said.And when they asked for a refund, they pushed this department to that department, and that department pushed it to this department. It was not easy to find a department to receive us, and they said that the leader of this department is not here now, and it will take a long time to see us. .

In desperation, we went to the Consumer Protection Committee, who said that the matter of the gym membership card was not under their control, and asked us to go to the Sports Bureau; the Sports Bureau said that my case was too expensive, and it was difficult for them to mediate. If the gym insists on a 30.00% handling fee, they have nothing to do, they can only mediate in the middle, and suggest that we can take judicial channels.

After much consideration, we still did not take the judicial route. With the Sports Bureau as a bridge in the middle, finally a leader was willing to receive us.She agreed to sign the relevant refund agreement with us, but she also made it clear that because the fees are complicated and the amount is huge, it is impossible to refund us all at once. If you want to go to them to sign another agreement, anyway, you probably agree to a 30.00% liquidated damages or something like that.In order to get a refund, we can only agree to it, and we can get a total refund of about 18.

About three weeks later, we got the first refund, about [-] yuan, and there are still four to five procedures to get all the refunds. It will probably take a year later up.At first, I thought I would work hard and save money, and slowly resisted and paid off the money, but I didn't expect that there would be another side to the matter of upgrading my undergraduate degree.

The course was just over halfway, and unexpectedly received a call from the institution, because the company was not well managed and could no longer serve the students, and the remaining tuition fee of about 5000 yuan needed to be refunded through the refund process.Because this institution is registered by the Civil Affairs Bureau and under the jurisdiction of the Education Bureau, it is regarded as a regular school no matter how you look at it, so I believed their words that they would refund the fees.

Unexpectedly, after only one month, we wanted to call to confirm the status of the refund, but we couldn't get through no matter how we called.I personally went to the office area where they were before, and the building was already empty. The security guard downstairs knew that we were looking for this training institution, so they gave us two phone numbers, but they couldn't get through.I found their registered address on the Internet and found that they moved out two years ago.

In desperation, I called the Civil Affairs Bureau, and the Civil Affairs Bureau said that they were indeed registered with the Civil Affairs Bureau, but they were under the jurisdiction of the Education Bureau, and their certificates expired this year, and they did not go to renew; find the Education Bureau, the Education Bureau First, I gave two numbers, which were the same as those given by the security guard before. The Education Bureau also said that the refund was a civil dispute, and we were asked to sue the agency in court.We said that we couldn’t even find anyone, so how to sue, they said it didn’t matter, we are the institution that sues, not individuals, and the court will find a way to contact them as a legal person.

Originally, we were planning to sue, but then we checked on the Internet and found that the prosecution is unlikely to get money. There is a lawsuit filed by the agency on the Internet, and it has been judged that the plaintiff won the lawsuit, but we can’t find it later. The effective property that they can execute, the court exhausted all means and failed to find other property, so it just let it go, and finally said that if the plaintiff finds the enforceable property of the agency, he can apply for the court to execute it again.

Even if the court cannot find the enforceable property of the person subject to execution, the executor has to find it by himself in the end. If it can be found, why bother to file this lawsuit?

Dear friends, you can think about it. Even if an institution registered with the Civil Affairs Bureau and under the jurisdiction of the Education Bureau is not well-run, the two institutions will ignore it. Even the courts can say that they can’t do anything about them. So what can we ordinary people do to protect ourselves? rights?Afterwards, we contacted the Consumer Protection Committee and the municipal hotline, but nothing came of it. In the end, we didn’t even know where the legal person of this agency was, let alone get a refund. The yuan was fed to the dog.