Advance payment of 100,000 old-age care services, three years later, even with the interest paid back 133,000?
Demystifying Pidu's "Small Town Story" pension scheme
One-time payment of 100,000 yuan for scheduled retirement services, promised a full refund of three years of unconsumed consumption, and will also pay 11% interest each year (the contract is expressed as a welfare subsidy consumer coupon). However, after the contract expired, the old man did not wait for the expected return, and he could not even get back the 100,000 yuan deposit.
Recently, many elderly people complained to the West China Metropolis Daily and Cover News that they were deceived by the Chengdu Xiaocheng Story Recreation Center with the above routines. Over the past week, the reporter has investigated this gold-absorptive scam hidden under the veil of "senior service", and the routines have been uncovered one by one.
It is reported that the public security organ has opened a case for investigation.
Pension trap
There are discounts for prepaid and higher interest
In 2016, Aunt Wu was introduced by an acquaintance and came into contact with the story-care project of the small town of Pidu District in Chengdu. That year she was 60 years old and began to plan for her later life.
After becoming a target customer, she was attacked by the "sweet" attack from the story of the small town-a special car shuttle to visit the scene, delivering rice and oil to win a good impression. In the meeting room of Xiaocheng Story Recreation Center, No. 288 Anping East Road, Ande Town, through the description of the staff, she began to imagine the easy life in her old age. "The first impression is particularly good." Aunt Wu described that the wellness center covers a large area, with spacious rooms, luxurious facilities, a fish pond downstairs, and the service promised by the center is also very complete, "They said that this will be our home in the future ."
What made her heart even more exciting was the scheduled old-age service model of Xiaocheng Story. That is, if Aunt Wu prepays in advance, you can enjoy a discount when you check in in the future-the more money you pay in advance, the greater the discount will be when you check in. After three years of expiry, if not consumed, the center will not only refund the full amount, but also refund a certain percentage of "welfare subsidies", that is, interest.
"I think I will get old in the future, and I don't want to trouble my children, so I look for a place where I can spend my old age in advance." Aunt Wu paid a one-time deposit of 100,000 yuan, and the other party promised to enjoy a 40% discount when staying in the future. 11% welfare subsidy. In other words, after the expiration of the three-year contract, she can still get 133,000 yuan in interest even if she is not in the old town.
Incident protection
More than 600 elderly people are known to fall into the rebate trap
On November 30, 2016, Aunt Wu and Xiaocheng Story signed the "Conservation and Health Service Contract". Before retiring, she engaged in financial work and noticed something was wrong when she signed the contract.
Pixian Xiaocheng Story Pension Service Co., Ltd. holds the license for pension service, but it is Pixian Xinyi Housing Development Co., Ltd. who signed the contract with her. "I saw that they had the qualifications issued by the civil affairs department, and I chose this place." Although it was strange, Aunt Wu didn't change her mind, and she still looked forward to the income after three years and the future life.
The contract expired on November 30, 2019, but Aunt Wu did not wait for the expected return. Under her repeated urging, the Wellness Center only refunded her two years of welfare subsidies, totaling 22,000 yuan; the third-year subsidies and 100,000 yuan principal have not fallen.
During the half-year "begging for money", Aunt Wu met many elderly people who had the same experience as her. At present, more than 600 people have joined the "Small City Story Rights Protection Group" (a group of 500 people, a group of 111 people), the oldest is over 90 years old, most of them around 70 years old, from many districts and counties in Chengdu.
Among them, the most one-time payment of 1 million yuan deposit, the least is 30,000 yuan, of which more than 180 people prepaid more than 100,000 yuan. Some people's contracts have expired two years ago, and the deposits that have been delivered are still missing.
"I haven't told my son that he was deceived." Aunt Wu only mentioned to her son that he had paid money to the pension center, but he didn't dare to say the specific amount. "I wanted to make some pension money, but I didn't expect it to be troublesome."
Ad hoc investigation
The police have seized the assets of the company involved
Starting from the end of last year, the deceived elderly began to complain to the relevant departments about the matter. On June 9 this year, the Pidu District Financial Bureau, the Public Security Branch Bureau, the Economic Investigation Team, the Civil Affairs Bureau and other departments first met face-to-face to understand the demands of the elderly. On June 11, a task force led by Pidu District Financial Bureau was established.
On July 8, the task force announced the preliminary investigation.
The Pingdu District Public Security Branch Economic Investigation Brigade announced the investigation progress: Pixian Xinyiwuye Development Co., Ltd. has been investigated and the 3 buildings under its name have been sealed to ensure that fixed assets will not be lost; Personal assets of its affiliates; Investigate the company's debt situation, and withdraw 1040 pension service contracts from Xiaocheng Story Rehabilitation Center, the funds involved are being evaluated.
On the other hand, the deceived old man is also negotiating a solution with the story of Xiaocheng, and no agreement has been reached yet.
On the afternoon of July 8th, the reporter repeatedly called Yi Dejun, the legal representative of Pixian Xinyi Housing Industry Development Co., Ltd., and all of them were hung up directly after being connected.
Lawyer's statement
This case is suspected of illegally absorbing funds to repatriate old-age investment should be cautious
In response to this case, Xia Qisong, a lawyer from Sichuan Mingju Law Firm, said that from the situation described by the elderly, Pixian Xinyi Housing Industry Development Co., Ltd. was suspected of absorbing funds in the name of providing "healthy vacation services".
He explained that Pixian Xinyi Company, in the name of providing accommodation, catering, medical care, physiotherapy, entertainment and other elderly care services, used prepaid service fees or as a bait to enjoy consumption concessions, receive welfare subsidy consumption vouchers and promise to refund the principal. One-time payment of holiday apartment rents illegally absorbs funds from the elderly. Therefore, the contract signed by the company with the elderly is suspected of covering up illegal purposes in a legal form and is invalid. If the company uses fraudulent facts or conceals the truth for the purpose of illegal possession, it may be suspected of fraud.
"Prepaid deposits to buy old-age services are inherently unreasonable." Xia Qisong said that not only does the large amount of prepaid old-age services involve a large amount, it is also unknown whether they can resort to consumption in the future.
Xia Qisong reminded that when choosing an old-age institution, the elderly must choose an old-age institution registered by the civil affairs department according to law, such as licensing, filing and market supervision. Do not choose an unqualified old-age institution, let alone pay any funds to them. In addition, senior citizens should choose legal and compliant investment and financial management channels, and not be tempted by high returns. Any retired pension investment that is higher than bank interest should be cautious, and do not prepay high pension service fees. Finally, the elderly must consult with their children before investing in pensions, and consult with the civil affairs department, market supervision and other relevant departments. Do not trust others and keep your own pension money.
West China Metropolis Daily-Cover News reporter Cao Fei