Expose scam routines to prevent old-fashioned fraud
A half-year special campaign to crack down on and rectify pension fraud is being carried out in depth. Public security, procuratorial and law enforcement agencies in various places quickly investigate, break and review a number of typical cases with great influence and high attention in accordance with the law.
From providing "elderly care services" to investing in "elderly care projects", from selling "elderly care products" to claiming "house-for-age care", from agency "endowment insurance" to carrying out "old-age assistance"... These cases have exposed the targeting of the elderly. The fraudulent routines of this kind can be described as various and hard to prevent, which seriously infringes upon the legitimate rights and interests of the elderly.
This edition publishes 4 typical cases of fraud involving the elderly, focusing on common types of fraud, inviting judges and prosecutors to explain the case, exposing fraud tactics and means, giving risk warnings, and providing fraud prevention guidelines to enhance the general public, especially the elderly. Anti-fraud awareness and ability.
--editor
Induce "investment pension"——
Don't believe in "high reward, low risk"
Our reporter Qi Yukun
[Case facts] Cai faked his identity and pseudonym Chen Wei, fabricated the fact that he had abundant funds, and established a pension industry limited company and an affiliated company in Hunan. For investment, promise to consume the elderly in different places, purchase the right to use the bed or property rights of the elderly apartment at a discount, and repay the principal and interest after 3 years.
Some elderly people were confused by the advertisements of "qualification materials" and "free travel" provided by Cai, the company's road signs and even "relevant leaders came to the company for inspection", and thought that they could pay for a room and book a bed with confidence.
As of the time of the incident, Cai had illegally raised a total of 79.4939 million yuan from 1,442 unspecified objects. In addition to paying some customers the due investment principal and return of 37.1068 million yuan, there was still 42.3871 million yuan that could not be returned.
In addition, Cai signed a construction contract with Wang, knowing that he had no actual ability to perform, and defrauded Wang for a total of 3.5 million yuan of performance bond.
The court sentenced Cai to 18 years in prison and a fine of 350,000 yuan for several crimes of fundraising fraud and contract fraud.
In order to maximize the recovery of the losses of the fundraising participants, the procuratorial organs actively guided the investigation and collection of evidence, carefully traced the whereabouts of the funds involved in the case, urged the public security organs to seal up, seize and freeze relevant properties, and intensified efforts to recover stolen goods and recovered damages.
[Report] Chen Huaying, prosecutor of the Third Procuratorate of the Hunan Provincial People's Procuratorate, introduced that in recent years, some criminals have carried out false propaganda in the name of "investment for pension" and "housing for pension", using "high return, low risk" as bait. Defrauding people of pension money and infringing on the legitimate rights and interests of the elderly.
1,442 investors were deceived in this case, and the vast majority were elderly people.
How to spot this kind of scam?
Chen Huaying reminded that the first is to always tighten the string of "investment is risky", and don't believe in the so-called "steady profit without loss", "risk-free, high-yield", and do not invest in projects with unclear business and unknown risks; second, choose Formal institutions and formal channels, before purchasing investment and wealth management products, consult more professionals from formal financial institutions, discuss with family members, and understand and judge the authenticity and legitimacy of investment activities; third, in the face of pension projects under construction For projects, it is recommended to check whether the relevant procedures are complete; fourth, pay attention to protecting personal information, treat the contract signing process with caution, do not sign on blank contracts, and do not provide important information such as ID number, bank card number, password, etc. at will to prevent illegal use.
Promote "senior products" -
"Expert" drug sales set up a chain plan
Our reporter Jin Xin
[Case facts] Ms. Wang Lan (pseudonym) is old and suffering from diabetes, and she is struggling to find an effective treatment method.
While browsing the web, she stumbled across an advertisement "So-and-so's 'sugar formula' to treat diabetes".
Wang Lan called for consultation, and the "expert" recommended the drug "Xiaoke Oral Liquid" to her.
He also said that if there is no effect, a full refund will be given.
After spending nearly 3,000 yuan to buy "Xiaoke Oral Liquid" and taking it, Wang Lan's condition did not improve, so she called the "expert" again.
Whenever Wang Lan questioned the ineffectiveness of the drug, the other party recommended a new drug and persuaded Wang Lan on the grounds that "if you don't buy a new drug, you will lose all your efforts".
Wang Lan bought the medicine more than a dozen times before and after, costing tens of thousands of yuan.
It was not until she became seriously unwell after taking the medicine that she realized she had been deceived and called the police.
After investigation by the public security organs, Zhu and others pretended to be doctors and other identities, fabricated the efficacy of drugs, and contacted unspecified people by phone calls, WeChat chats, etc., and defrauded multiple people of more than 4.5 million yuan in money.
Soon, Zhu and others were criminally detained by the public security organs.
The procuratorial organ approved the arrest of the criminal suspect Zhu and others on suspicion of fraud and instituted a public prosecution.
[Report] Wang Dong, prosecutor of the People's Procuratorate of Chaoyang District, Beijing, introduced that this case belongs to a type of fraud in the name of selling "health products", "drugs" and other "elderly products".
In such fraud cases, criminals often resort to impersonating experts and conducting false diagnosis and treatment to deceive and induce elderly groups to commit fraud.
In this case, the criminals exaggerated the efficacy of medicines, carried out false propaganda, and even set up "serial schemes" to make the victims fall deeper and deeper.
Wang Dong reminded that the general public, especially the elderly, should be more careful when purchasing medicines and health care products: First, unlike regular free clinics, scammers are often not in regular clinics, but ask questions for the elderly through phone calls or "lectures". diagnosis".
The elderly should be vigilant, do not easily believe in various "experts" names, and go to regular hospitals for treatment when they are unwell.
Second, giving "free gifts" such as eggs and rice noodles, exaggerating the "official background", etc. are the usual routines for defrauding the elderly.
Liars will also play the "family card" when introducing products, so that the elderly should let go of their guards and be more vigilant against such words and routines.
Third, if you find that you have been defrauded, you must keep the evidence and report to the police in time, which will help the case-handling authorities to better handle the case and recover losses in a timely manner.
Defrauding money in the name of marriage and love——
Beware "Twilight Love" is a Scam
Our reporter Wei Zhezhe
[Case] Lin, an elderly man who had been alone for many years, was introduced to know Huang, and the two established a "lover" relationship in WeChat chat.
Huang borrowed money from Lin on the grounds that he was short of money to buy a house, and successfully defrauded 6,000 yuan of "loans".
"After I gave her the money for the first time, she signed a letter of guarantee and promised to go through the marriage registration procedures with me. Later, when she asked to borrow money, I agreed." Lin said.
However, during their relationship, Huang did not use his real name and concealed the fact that he was married.
In the less than 3 months since he realized the relationship, Huang asked Lin for a total of 47,000 yuan for money many times through fictitious facts such as buying a house and treating a disease.
Later, Lin was unable to contact Huang.
"I realized that I was cheated!" After Lin reported to the police, Huang's family returned 47,000 yuan on his behalf.
The court sentenced the defendant Huang to three years in prison, suspended for three years, and fined 10,000 yuan for fraud.
[Argument] Ji Na, Deputy Chief Judge of the Third Criminal Division of the Higher People's Court of Guangxi Zhuang Autonomous Region, introduced that concealing the marriage relationship, fictitious reasons for using money, and defrauding the elderly for money under the guise of marriage and friendship is a common routine to defraud the elderly.
In this type of marriage and dating scam, on the one hand, the victim has good expectations for love and gradually relaxes his vigilance;
The court has analyzed the cases heard in recent years and concluded that the commonly used routines in marriage and dating scams are mainly as follows: first, fictitious identities, concealing marriage, pretending to be single, or even changing names, trying to get away at any time; second, short-term contacts, excuses for money , false promises, take the opportunity to cheat money.
The cheating party will also use means such as promises to marry to accelerate the realization of the purpose of asking for money.
Ji Na suggested that you should increase your awareness of fraud prevention when dating and dating.
On the one hand, it is necessary to have a deep understanding of the life and work of the other party. When the other party asks for a lack of money or borrowing money, it should be verified whether the demand for money really exists and whether the demand amount is equivalent to the actual amount.
If the loan is agreed, the specific conditions such as the amount of the loan, the repayment period, and the agreed interest should also be clarified.
On the other hand, in the case of asking for money in a short period of time, you should be more cautious and try not to lend or lend a small amount.
If there are frequent borrowings or repeated borrowings that are not repaid, and the other party refuses to meet or loses contact, they should report to the police in time to recover the loss.
Advocating the appreciation of "collectibles" --
The "company" turned out to be a scam gang
Our reporter Ni Yi
[Case facts] Xu Mouqiao registered a company and recruited employees to form a fraud gang.
These people package the cheap wholesale handicrafts, calligraphy and paintings into "collectibles", and lure the elderly who lack the knowledge of collecting to buy them.
They lied that "collectibles" have a lot of room for appreciation. In order to dispel the concerns of the elderly, they also told the elderly that after the appreciation of collectibles, they could be auctioned or sold on their behalf, or even repurchased.
In order to gain the trust of the elderly, Xu Mouqiao and others forged many "proofs".
For example, false "collectibles" auctions, sales records, etc., and even fabricated purchases of some "collectibles" can still enjoy financial subsidies.
As of the incident, the fraud group had defrauded more than 20.71 million yuan from more than 160 elderly people.
The court sentenced Xu Mouqiao to 14 years in prison for fraud, and 16 other principals and accomplices were also sentenced.
[Argument] Wu Wenliang, a judge of the Wujin District People's Court, Changzhou City, Jiangsu Province, introduced that in recent years, the fraud tactics aimed at collectors have been renovated and diversified. However, due to the relatively few channels for obtaining information and the lack of awareness of risk prevention, the elderly are very easy to become A prime target for scammers.
The criminals specially collect the contact information of the elderly, design marketing tactics for the elderly, take advantage of the elderly's desire to make profits by selling collectibles and their weak awareness of fraud prevention, in order to help the elderly to obtain high profits as bait, To defraud the trust of the elderly.
The criminals will also package themselves as a "collectibles company", rent office space in a prosperous area for the "company", and have a relatively complete staff structure and facilities to create the illusion of normal operation of the "company" in order to deceive trust.
Wu Wenliang reminded that when the majority of collectors, especially the elderly, invest in collectibles, they must carefully verify their qualifications, and cannot simply judge whether they are legitimate based on superficial phenomena such as the company's environment and scale.
It is necessary to increase the vigilance of fraud and crimes, and be vigilant about unfamiliar calls involving money. Do not believe in the propaganda or recommendations of criminals, and must conduct transactions through formal auction agencies.
At the same time, enhance awareness of prevention and evidence, find signs of illegal crimes and report to the police in a timely manner, and take effective measures to reduce losses.
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