Plan the operation of pacemaker of the Jin Sen that do handkerchief till the mother, in the product of conduct financial transactions that a few companies that the Liu Ting that lives in Beijing just knows to parents already threw all savings in include to install the people's livelihood inside a few this years distribute, the cash in the hand has not exceeded 4 digit. "After there is brushstroke conduct financial transactions to expire by Feburary, they also did not return gold of repayment of capital, had an accident with respect to the feeling at that time. " of Liu Ting premonition be proved very quickly to be accurate.
On April 9, bulletin of small gain of government of substation of Haidian of Beijing public security bureau says, in the light of provide for the aged of the people's livelihood is installed to serve limited company to be engaged in collecting money illegally in asset of the people's livelihood is being installed to manage limited company to reach in investor informs against Beijing mobile circumstance, substation of Haidian of Beijing public security bureau already was investigated to relevant company put on record.
Compare with the experience of other investor, liu Ting's parents still is " lucky " . They did not mortgage the house in the hand go out, and those the company such as the people's livelihood is brought in choosing " with room provide for the aged " the old people that mode invests, or will be immersed in house money the two sky, condition that often depends on without place.
01"With room provide for the aged " fraud emerges in endlessly
Normal " with room provide for the aged " it is to show old people mortgages housing reversely endowment insurance, it is business of endowment insurance of a kind of innovation that combines housing guaranty and life annuity insurance business. And in recent years, increasing company is being hit " with room provide for the aged " the banner, fact that collects money illegally all right, coil the house property of old people and gold banquet one sky.
With in install the people's livelihood to be exemple. As we have learned, the mode that conduct propaganda of the people's livelihood installs in is a client get brushstroke capital through going out house property guaranty to borrow thereby, use this fund the product of conduct financial transactions that the people's livelihood brings to issue in subscribe next, products of these conduct financial transactions will give a client 6% of the left and right sides year turn profit.
In in bring the people's livelihood and client beyond, still a tripartite gives those representing capital, this tripartite gives those representing capital to be in charge of borrowing a client capital, the people's livelihood is installed to be in charge of paying contributive person interest in. As we have learned, the interest that the people's livelihood brings to give contributive person in is as high as 20% . This also is meant, the people's livelihood is installed in every do brushstroke business, capital cost will be as high as 26% above. Have a bit inadvertent, the people's livelihood is installed to be able to be immersed in a dangerous situation that capital catenary ruptures in.
"At the beginning when, it is every month gives money really, so everybody can recommend the person beside slowly. Old people is not foolish also, major person is beside the person was benefited ability follow-up goes casting. " Lin Tao's parents this year more than 60 years old, stem from the consideration that to oneself assemble nods money of provide for the aged to reduce filial burden, parents mortgaged the house go out.
Very fast, the mode of this one business that the people's livelihood installs in is afterwards hard. Begin from the beginning of the year, the people's livelihood is installed to expose to the sun time and again in piece " run road " " collapse dish " wait for a hearsay. Include Lin Tao's father and mother inside many senile average per capita encountered contributive person comes dun: "Still do not have money, sold the house! " Liu Ting also is to discover at this time, there are cash capital and accrual after parental conduct financial transactions expires.
On March 10, a person of extraordinary powers of Li Jia of president of the people's livelihood is installed to return in in company government dispatch of date of small letter public says, afore-mentioned hearsays all belong to a rumor. On March 24, li Jia a person of extraordinary powers once more dispatch says, cooperating to be checked oneself via detect at present, say " (if) investor does not give in bring time of the people's livelihood, (will bring about) the government takes over control, public security organs intervenes, the people's livelihood is installed in be being brought about further not answer existence. If produce this kind of situation I myself will be very distressed, because look from current associate with case, 30% above can get back invest rights and interests inside 35 years seem to had not appeared at all, I myself also am met more distressed. I myself also am met more distressed..
Look in Lin Tao, this is Li Jia a person of extraordinary powers only " struggle finally " . "He says so even if send a hope to abandon legal approach at investor, get this fraud hold together a few longer, the time that allows him extricate oneself is a few longer. " Lin Tao says, although at present in install the people's livelihood to already was investigated, but from before in light of case, the possibility that investor recovers property is lesser, because he and this family also had made psychological preparation.
Small gain cut pursues
"This time also cannot go again blame old person, do an anyhow to come again everybody stands not to rise, can comfort oneself to spend money to buy a lesson only. " Lin Tao says.
In fact, in recent years of all kinds " with room provide for the aged " fraud emerges in endlessly.
Be in early in May 2016, media coverage says, of Beijing plum the aunt was known profess " with room provide for the aged " the An Yanbin of project controller, the other side with " low risk usury ceases " for bait, let plum the aunt searchs with house property card " gold advocate " Wang Mou does 3 months guaranty to borrow money, again " the money that lends borrows An Yanbin, after 3 months expire, place of Cong Anyan Bin calls in total principal and interest, reoccupy capital from Wang Mou over there card of redemptive house property, net is close 500 thousand yuan accrual " . Enchanted plum the aunt falls in An Yanbin's guidance, sign and notarial a pile of writ, final her building in its unwitting circumstance issues fine long hair by direct transfer ownership, oneself are homeless.
02What why get hurt is always old people?
Be in answer dish in the process that parents is duped, lin Tao thinks, it is knowledge of economy of old people lack on one hand, also be the psychological demand that this kind of orgnaization understood thoroughly old people on the other hand, often organize collective activity, let many empty nest old people experience the warmth like the family, imperceptible in the conduct propaganda that believed these orgnaizations.
This year Ms. Tang of 65 years old also within an inch of falls into this " tender trap " . After retire, ms. Tang often is organized with colleague, old schoolmates wait for an activity chorally, in this one process, ms. Tang also bring into contact with in install the people's livelihood " with room provide for the aged " the conduct propaganda of mode.
"Inchoate moment is very enchanted, there are several friends to be cast beside. And the company often organizes a few activities, there is kind of feeling that is shown loving care for really at that time, we the person that this kind of children is not beside, be duped because of little consideration very easily. " Ms. Tang says, dissuade what the son sufferred after fortunately she and son discuss stoutly, just abandoned the idea of investment. "Consequence is really otherwise unimaginable. " Ms. Tang says.
Besides " with room provide for the aged " outside, hitting " apartment of provide for the aged " the company of banner bunco also is absent a few. In living in paragraph of lady of Xi'an to tell new classics abb, she once handed in 3000 yuan to join the orgnaization member of apartment of a provide for the aged, apartment of this provide for the aged offers multiple choice, among them one kind is 3000 yuan every months, need member prepay expends 3 years, 5 years, 10 years, that is to say lowest needs pay to exceed 100 thousand yuan of deposit.
"After making deposit, to the age can live go in, the service inside very high end, one can have a clerk to serve by pushbutton, have a meal also somebody sends come. " paragraph the lady says, she does not think old give children incommode later, if not be afraid beadhouse,run road, she may cast money to go in with respect to preparation.
In fact, such thing passes in Jiangxi happening before this.
According to report of CCTV finance and economics, jiangxi Nanchang has one domestic name is " scope of operation is natural " orgnaization of provide for the aged, so-called should make the company of surveyor's pole provide for the aged with top-ranking Jiangxi, only operation two years many, with respect to recruit thousands of member. Can be in this year in April, the controller of orgnaization of this provide for the aged disappeared between one night, the money on company account also place remnant very few, this ability discovers old people oneself were duped.
Finally, paragraph the lady chooses to exit a member, be informed by the other side however nevertheless, membership fee cannot be returned, can trade a piece of product that 3000 yuan of shopping certificate use at buying its platform to go up only. "3000 yuan changed a few holothurian with a few bags of millet, far outclass market price, can comfort oneself to stop only caustic. Can comfort oneself to stop only caustic..
The lawyer points out, "With room provide for the aged " fraud majority is involved " cover a road to borrow " , it is a kind of new-style crime, the law that involves many sided commonly concerns, civil law impact involves dispute of contract of business of loan contract dispute, guaranty contract dispute, building to wait, crime respect basically is involved absorb the public illegally to imprison blame and intended harm blame blame of deposit blame, crime of fraud, blackmail, illegally to wait.
He suggests, encounter this kind of problem, answer politic Ying Congmin two dimension spend thing and criminal go considering, civil respect, it is before building change the name of owner in a register, should do cancel to entrust notarial put on recording to the praedial branch that register as soon as possible, if already was applied for those who carry out to enforce via change the name of owner in a register, according to different situation, through carrying out alien of demur, case to carry out demur, application the notary organization checks notarial deed, mention the relief way such as the new suit, rehear that start undertakes thought fors the time being, at the same time the proposal reports a case to the security authorities in time, can to place sweep black inform against relevant crime except evil office. To civil suit in, involve con can exercise cancel counterpoises, those who involve ill will to collude with is OK view contract is invalid.
(interview object privacy for protection, the Liu Ting in article, Lin Tao, Ms. Tang, paragraph the lady all is alias)
Transmit reminds parents!
(reprint already obtained authorization, copyright belongs to former writer, the person that Xiang Yuan is achieved greets)
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