Trust the "old -age care of the house" be careful of house wealth!Demystify the "fancy" pension scams →

In order to meet the needs of pension, many elderly people will choose to buy pension insurance, but some people have a crooked brain, claiming that there is a relationship and a doorway. With the guise of agency endowment insurance, it is specifically for the elderly who have the needs of pension insurance to perform fraud. Ms. Liao, Shunde, Guangdong has experienced such fraud.

Friends claim that there is a doorway to help apply for endowment insurance

Ms. Liao, who lives in Shunde, Guangdong, has always wanted to go through the retirement procedures through one -time replenishment of pension insurance, so that the pension can be received monthly. However, after querying the relevant endowment insurance policy, Ms. Liao found that her age and conditions did not meet the relevant regulations. Ms. Liao was very worried about this, so she talked to her friend Xu to talk about this annoyance. Xu told Ms. Liao that he had a doorway in the social security department to help Ms. Liao solve this problem.

Chen Zhihao, a police officer of the North Police Station of Shunde District, Foshan City: Xu informed the victim that Liao Mou had a one -time purchase of 300,000 yuan in social security in the name of a trade Co., Ltd. in Foshan, and there would be a monthly social security prison for saving 3,000 yuan.

After hearing this news, Ms. Liao was overjoyed, so she immediately transferred to the other party of 300,000 yuan. After that, Ms. Liao began to wait patiently. In order to make Ms. Liao feel at ease, Xu also pushed her WeChat with a man named Huang, and said that the man named Huang Mouxian was the staff of the Social Security Bureau, and there were any questions to tell him.

In order to continue to let Ms. Liao remit money, the staff named Huang Mouxian also told Ms. Liao that Xu had handled her the highest amount of social security. Essence

Ms. Liao, who was looking forward to, did not expect that she had been in a carefully designed scam. After waiting for a while, Ms. Liao, who was still not waiting for the result, was a little anxious, so she began to urge Xu and Huang Mouxian, but the two still dragged on various reasons. Ms. Liao, who was deceived, finally decided to report to the police.

One person decorates the two corners and is suspected of fraud crime

Police investigations found that Xu did not handle any pension insurance for Ms. Liao, and even the staff named Huang Mouxian was played by himself. In the end, Xu was transferred to the People's Court of Shunde District for suspected fraud.

Wu Ruiqing, Judge of the People's Court of Shunde District, Foshan City: After investigation by the police, in fact, Huang Mouxian's WeChat, his real -name registrar is the defendant Xu, and the money received in this WeChat also transferred to Xu's WeChat and bank cards in.

After investigation, as of December 25, 2020, Ms. Liao had remitted 1.88 million yuan to WeChat, Alipay, bank accounts and a trade Co., Ltd. in Foshan under the name of Xu.

The court's trial believes that Xu's behavior has constituted a crime of fraud. In May 2022, the People's Court of Shunde District, Foshan City made a judgment in accordance with the law, sentenced the defendant Xu to twelve years in prison and fined 200,000 yuan.

Trusting relationship doorway, unexpectedly falling into the trap

Ms. Liao did not expect that friends who have known each other for many years would lie to herself. In fact, in such fraud cases, this "killing" routine occurs from time to time. Those who believe in the so -called relationship and doorway are often high -risk groups who have been deceived. A old man in Nanning, Guangxi, was talked about by a strange woman, because the other party could handle social security through the doorway, and fell into the trap of the other party.

Stranging women talked to claim that they can help get more retirement benefits

Mr. He's grandmother is more than 70 years old this year, and his vision is not very good. On that day, he went out and was talked about by a strange woman. After the successful "rumor" of this strange woman, he claimed that he could help issue a "old -age certificate" and receive a pension of 500 yuan per month. When the old man heard this good thing, of course, he was happy, but he did not expect that he had fallen into the trap of the other party.

The woman told the old man that when she came out, she had to buy an electric car, but she didn't bring enough money. By borrowing the money of the elderly first, she would return it to her the next day. The old man did not hesitate, this one was 4,000 yuan. During the conversation, the woman learned that there was still 200 yuan in cash on the elderly, and she didn't even let it go.

The next day, the old man went to the agreed place for a morning, but he did not see anyone coming, and the old man realized that he was deceived. These 4,200 yuan are the old -age old -age money that the old man has worked hard, because the old man fell ill.

Mr. He reported to the local police station. Who is this "appearing out"? Why did you gain the trust of the elderly only by the "friendship"?

Su Qiang, deputy director of the Jiangnan Branch of Nanning Public Security Bureau, Su Qiang: The suspect used the rushing day to hang out in various communities to find the goal. Using her is a woman, and she also uses this familiar condition that she will speak locally. It is aimed at the lonely old man, so he stepped forward to talk to the government staff.

According to the elderly, the suspect was carrying a red plastic bag, wearing a sportswear, and a tall figure. According to these characteristics, the police launched a careful investigation.

Su Qiang, deputy director of the Jiangnan Branch of Nanning City Public Security Bureau: Due to the characteristics and time selection of her crime, because of the great characteristics of the day, it was basically ended in the morning, and it was basically ended at noon. If she can rush in the morning, it should be a person who is not far around.

The suspicious woman who was discovered by the investigation was found out

In addition, considering that the criminal suspect's fraud method is very old, he gains the trust of the elderly by only three words, and the police judge that the woman is likely to be a "veteran". After further sorting out, the police found a Ling woman, which was very consistent with the characteristics of the criminal suspect. Su Qiang, deputy director of the Jiangnan Branch of Nanning City Public Security Bureau: This woman's height and physical characteristics are indeed similar to the suspect, so we go directly to her in contact with her. Later, she should work in the mountains at the time, and she happened to find the clothes she wore at the time.

Seeing the police came to the door, the suspect Ling Mou quickly acknowledged his criminal facts. Recently, the Jiangnan District People's Court of Nanning City made a judgment of the case.

Zhao Huiling, deputy president of the Criminal Trial Division of the People's Court of Jiangnan District, Nanning City: The court's trial believes that the defendant Ling Mou has the purpose of illegal possession, adopting the method of fictional facts and concealing the truth to deceive the property of others, and his behavior has constituted a crime of fraud. Essence According to the facts, nature, circumstances, and the degree of harm to society, the defendant Ling Mou was convicted of fraud, sentenced to ten months in prison, and fined 2,000 yuan.

Improve the awareness of prevention through regular channels to handle related businesses

Police said that such cases that undergo scams under the guise of agency insurance, and scammers use the elderly who are unfamiliar with relevant policies and regulations. At the same time, they hope to obtain the psychology of pension insurance indicators through uniform channels such as doorway and relationships and implement accurate fraud.

For such scams, the public security organs remind that the elderly must raise awareness of prevention and learn related policies and regulations. Do not listen to the so -called relationships and doors. Related businesses that need to apply for endowment insurance must be applied through regular channels.

Fiction projects use high returns as bait to implement fraud

"Elderly," is a thing everyone yearn for. As the way of pension is diversified, in addition to every month's pension, "house care for houses" has also become a hot topic, and some criminals also begin to fight With the guise of house pension, the elderly are fraudulent. They take zero costs, zero risks, and stable high returns as bait. Two empty.

The victim of this case was Mr. Liu, who lived in Chaoyang District, Beijing, and was a man named Chai Mou. Mr. Liu said that this Chai Mou contacted him through the phone. He claimed to be the head of the pension service sector of an asset management company in Beijing. He wanted to recommend the company's "House Pension" project to him, and also said that he could provide on -site services. Since Mr. Liu heard about the company's pension project, he believed it.

What is this seductive house pension project?

Pei Jipeng, Assistant to Judge, Judge of the Second Court of the People's Court of Beijing: This model of this pension service is that the victim uses his house as a mortgage to borrow from others. The borrowing of interest returns interest, and each year can also give the victim Liu Moumou about 6%of the income as pensions.

Decided to join the project mortgage house loan of 5 million yuan

By calculating Mr. Liu found that if you use your own house to participate in this pension project, you can get tens of thousands of yuan per month. After a few thoughts, Mr. Liu finally determined to join the house -care project. Later, Chai Mou found two lenders. Under the arrangement of Chai Mou, Mr. Liu and the two lenders signed a 3 million and 2 million house mortgage contract. The account of the Mr. Liu's family was remitted.

At this time, Mr. Liu did not know that he was falling into Chai Mou's trap step by step, and then Chai Mou proposed that in accordance with the household -supporting agreement, the 5 million yuan loan will be transferred to the company's wealth management account for unified investment So he used the POS machine to take all the 5 million yuan loans nine times.

However, after a month, when the return of the rebate, Mr. Liu did not receive the so -called pension, but received the notice of the two lenders' removal notice, asking him to pay the interest of the loan as soon as possible. Any problem.

Pei Jipeng, Assistant to Judge of the Second Court of the Second Intermediate People's Court in Beijing: Liu repeatedly contacted Chai Mou. In the end, he couldn't contact him. He felt that he was deceived, so he called the police.

After receiving the report, the Beijing Chaoyang police quickly launched an investigation and found that Mr. Liu's mortgaged money through the house did not enter the financial system of the asset management company. Instead, he was transferred to Chai Mou's own account.

In addition, the two lenders have nothing to do with this company. They cheated by Chai Mou's introduction of house mortgage loans and mistakenly thought that Mr. Liu needed a loan. Then he signed a house mortgage loan contract with Mr. Liu. And put 5 million yuan into the account of Mr. Liu's family.

Pei Jipeng, Assistant to Judge, Judge of the Second Court of the People's Court of Beijing: The loan of the mortgage loan is actually the lender found by the defendant Chai Moumou through the WeChat group. What you find may be a small loan company or a third party.

The crime of constituting fraud was sentenced to 14 years

In the end, Chai Mou was sentenced to fourteen years in prison by the court for fraud, deprived of political rights for three years, and fined 280,000 yuan.

Through this case, we found that the elderly scams of the house are not only harmful, but the entire scam is interlocking, which is very hidden. Once the elderly are trustworthy, the house may be empty.

For scams such as houses, the police reminded that the elderly must be vigilant, especially recognize the nature of the old house, and do not fall into a misunderstanding. If you need to handle it, you must pass regular channels.

Wang Hua, a second -level investigator of the Criminal Investigation Bureau of the Ministry of Public Security's invasion of property cases: First of all, a basic understanding is that the pension is essentially an insurance product.EssenceThe easiest way to identify is to eliminate the method. The formal house -care business can only be handled by regular insurance institutions. During the processing process, there will be no loan contracts, housing trading contracts, wealth management contracts, etc.Insurance company consultation understands the insurance business.

Editor -in -chief: Shi Hui

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