Teddoman: No, it wouldn't be open to interpretation. The reason is because the actual matter of unpaid overtime wasn't left deliberately nebulous, in which case you might have a point. However, because they actually specified an amount of time both verbally and in writing, they should be held accountable to that.
As for whether I read the manual or not before this, that's a completely asinine point. I did, not least of which because they went through it with us, page by page, which was also in line with what I was told verbally both before and after coming to Taiwan. This was not just a case of me not doing due diligence, or being unable to make an informed decision. I was actively lied to. In cases where people have been actively lied to about the terms of their loans, then those people also have complete justification for their complaints about the lenders involved.
Also, "teaching" as you refer to it with Hess is not teaching as you make it out to be. This is another asinine point of yours. Firstly, I was prepared to do unpaid work. Secondly, you ask who goes into teaching not thinking they'll have to do unpaid work? Maybe people who realise they're on a wage. "Normal" teaching, the kind that also involves unpaid work, as has been the case with my previous jobs and jobs since, is salaried and also includes all sorts of other benefits, such as paid public holidays, not to mention a whole lot of other things. The argument that teaching for a buxiban should incur the penalties of a salaried job, but none of its benefits is absurd.
The cultural argument is also nonsense since my current Taiwanese colleagues (and also those at other Taiwanese government schools) are on salaries, and do receive all sorts of benefits (such as sick leave, holidays, public holidays, typhoon days, etc.) in addition to their pay. They are indeed expected to do marking, grading, etc., but they have free periods built into their working schedule for that, and there are also provisions for them regarding overtime. My contract also has provisions in it for overtime. If you're going to talk about some sort of benchmark for education in this country, then why not look at what government teachers (foreign or local) get? Because their contracts do not in any way resemble a Hess contract.
However, Hess goes even further than that by deliberately lying about parts of this. The job is on a wage and has more in common with working at McDonald's in terms of the working benefits (though even McDonald's probably has better benefits). That's all fine, if everyone agrees to that up front, and then sticks to that. However, that simply isn't the case when working for Hess, who want to have their cake and eat it too. What I expected was for Hess to honour what it told me, both verbally and in writing, several times. You continually miss this point, which is why I believe you are trolling me.
This particular case of defaulting on the loan is completely different. The bank did not state A in the contract (e.g. interest rate conditions, period of the loan, etc.) and then change them to B at some later point.
As for people only being eighteen and not able to make decisions for themselves, either they are legally of the age of majority or they are not. If they are legally a major, then they are capable of doing so. If they still feel as though they are not capable, then they should either consult financial and/or legal advisors, or they should refrain from signing a loan contract. There's a reason why I don't engage in derivatives trading: I don't know a damned thing about it and am willing to admit such.
And you coming in to scold us all like some kind of sour-puss kindie assistant who favors olive cardigans and lemon drinks without sugar. -- Muzha Man
One sometimes gets the impression that the mere words "Socialism" and "Communism" draw towards them with magnetic force every fruit-juice drinker, nudist, sandal-wearer, sex-maniac, Quaker, "Nature Cure" quack, pacifist, and feminist in England. -- George Orwell