Recently, the Beijing Association for the Aged and the Beijing Foundation for Helping the Elderly and the Disabled jointly launched the "Anti-fraud Raiders for the Elderly (20 19 Edition)". The anti-fraud manuals printed for various scams such as medical care, investment and wealth management will be distributed to communities and places where the elderly are concentrated.
Why are the elderly more likely to fall into the fraud trap? China has entered an aging society, and the elderly population is increasing year by year. When people enter old age, their health inevitably begins to weaken, which is followed by high medical expenses. In order to prevent accidents, people always leave some reserve funds for themselves as "life-saving money". It is these "life-saving money" that have become the targets of fraudsters.
According to statistics, elderly people living alone over 65 years old in middle-aged and elderly groups are the most likely to be deceived. Because of helplessness, I always hope to have one more card and one more guarantee. Fraudsters usually deceive middle-aged and elderly people with false information, including the old-age care equipment that exaggerates the functions of some health care products and some false effects, and even changes some "three noes" products into packaging, claiming to be life-saving drugs for middle-aged and elderly people to defraud money. -this is the "number one" health fraud in the "anti-fraud strategy".
According to media reports, from 2065438 to June 2008, the largest criminal case of defrauding the elderly under the guise of free travel in China was solved, 38 "tourism marketing" platforms were destroyed and 638 suspects were arrested. (This article is transferred from anti-fraud big data: FPData)
Under the banner of a false public welfare organization, pretending to be a medical expert, boasting and exaggerating the efficacy of products, packaging cheap products above 10 yuan into "special supply" drugs for senior cadres of the central government, and then selling them at a price of 30 to 40 times ... This is the main means of the gang to defraud the elderly to provide for the elderly.
According to the self-report of the deceived old man, there are three key points to fall into the trap: first, being tempted by "free travel", second, being moved by the "emotional card" of fraudsters, and third, being "brainwashed" by fake experts, believing in the exaggerated efficacy of health care products.
"Anti-fraud Raiders" suggests that the characteristics of this kind of scam are mainly to cheat the elderly by giving benefits, creating authority, exaggerating curative effect and so on. It is suggested that the elderly should not trust strangers' words, not disclose personal information easily, communicate with their children and relatives more, and pay attention to keeping shopping receipts.
What are the scams that the elderly often encounter? How should it be avoided? How to remedy it afterwards?
Health care fraud
Deception:
Free travel, VIP physical examination, exaggerating the effect of health care products; Arrange for the "old man" to appear and fool the old man to save money in the sales company; Selling fake drugs causes the death of the elderly; Sell "secret medicine" to ensure longevity and health.
A word of caution:
In the face of health care product fraud, we should do "two wants, two don't want", that is, we should not believe that there is a panacea for all diseases. If you have a disease, you should take the initiative to go to the hospital for medical treatment. Health products can't cure diseases.
On the contrary, fake and inferior health care products will aggravate the patient's condition and delay the treatment opportunity.
Don't believe in the false identity fabricated by criminals or the exaggerated efficacy of health care products, and don't disclose personal information easily, and communicate with children and relatives more. In the case of selling health care products or asking for a refund, the elderly should not make decisions without authorization, but should actively communicate with their children or other relatives and friends and listen to their opinions. When purchasing health care products, it is necessary to keep relevant documents and express orders so as to provide them to the public security organs in time after being deceived.
Role-playing fraud
Deception:
Pretending to be a staff member of the civil affairs department, falsely claiming to apply for disability certificates and subsistence allowances; Pretending to be a government demolition fraud; Pretending to be a staff member of the Finance Bureau to commit fraud; Pretending to be a relative fraud; Pretending to be an employee of a gas company or a hydropower company for fraud; The "imperial doctor" cheated in seeing a doctor
A word of caution:
When visiting self-proclaimed government workers, the elderly should verify their identity, ask them to show their work permits, and call their units for verification if necessary. Don't believe in "pie falling from the sky", don't touch your own interests, and keep a normal heart. If you want to find a property or call the customer service phone in the manual for maintenance, don't believe the small advertisements posted in the corridor.
Collection fraud
Deception:
Exaggerate the value to defraud the "target fee"; Promise to buy back collectibles at a high price to cheat; Free treasure "mahjong intimate contact" fraud.
A word of caution:
To auction a collection, we must determine an auction company with auction qualification. A regular auction company will not charge the seller any fees before the collection is sold. If you need to sign a collection repurchase contract, it is recommended to seek the help of a lawyer.
Old people must go to the professional department to participate in the investment or auction of collectibles. Don't trust telephone, internet and TV sales, beware of the fraud traps of so-called "auction companies" and "art companies", and call the police in time if you find that you are cheated. (This article is transferred from anti-fraud big data: FPData)
Investment and financial fraud
Deception:
Investment and financial fraud in which consumption returns to principal and compound interest; Small profits but quick turnover fraudulent investment and financial fraud; Investment in valuables and financial fraud; Financial product fraud, investment and financial fraud; Partners and original shares defraud investment and financial fraud; Illegal pyramid selling investment and financial fraud; Advertising-induced investment and financial fraud; Free travel, sky-high housing investment, financial fraud; Network financial investment and financial fraud.
A word of caution:
When investing in valuables, the elderly should consider many aspects, including paying attention to the subject and qualification of the seller and whether the valuables meet their due value. In order to avoid being deceived by fake sellers or worthless items, it will bring unnecessary losses. When the elderly choose financial products to invest, they should not blindly follow the crowd, have their own judgment standards, and not be greedy for profits, so as not to fall into a deeper scam.
Fraudulent marriage and financial fraud
Deception:
Criminals show off personal information such as wealth, status and family background on the Internet or in parks and other gathering places for the elderly to lure them; Criminals use online chat to tell the history of failed marriage or unfortunate life, fabricate their own wealth to defraud sympathy or gain goodwill, and then seek money and color; Criminals fabricate false identities or interpersonal information, make false promises or ask for property; Once criminals are unprofitable or cheat money, they will disappear.
A word of caution:
The premise of marriage communication is to clarify each other's identity information, identify each other's fictional information in time, and don't be easily deceived.
In the process of communication, the elderly should be cautious when they meet for money many times, and they can discuss with their children for whatever purpose.
Tourism fraud
Deception:
Criminals gain the trust of the elderly by "warm offensive" through various ways of asking questions; Criminals lure the elderly with low-cost travel and abscond after defrauding money; Tour guides collude with scenic spots and shops to force the elderly to spend, and stipulate the minimum consumption, and they are not allowed to leave without buying.
A word of caution:
Compulsory consumption violates consumers' right to free trade and fair trade, and the personal injury caused by compulsory trade is an infringement on the rights and interests of the elderly as consumers.
Selling fake goods at low prices or substandard products at high prices in tourist attractions is an infringement on the rights and interests of elderly consumers, and the deceptive sales behavior of merchants needs to bear the responsibility of "returning one and losing three".
Contract fraud
Deception:
Loan contract fraud; One room and two sales fraud; Low-cost travel requires high-profit contracts.
A word of caution:
Old people must be cautious in lending funds, and it is best to let the other party issue a letter of guarantee and keep relevant evidence. In order to ensure the authenticity of the guarantee, it is necessary to entrust a lawyer to check it.
For large loans, it is best to discuss with your family. When handling loan procedures, try to consult legal professionals to avoid being cheated.
telecommunications fraud
Deception:
Pretending to be a national staff member to investigate bluff; Impersonating relatives and friends to ask for "remittance for emergency"; Fictitious winning; Telemarketing, etc.
A word of caution:
To prevent telecom fraud, we should do "five don 'ts", that is, don't trust unknown objects and suspicious information; Don't be tempted by illegal text messages because you are greedy for small profits; Don't make strange phone calls in text messages; Don't send money or transfer money to strangers; Don't disclose personal information, especially bank card information.