Why are elderly people more likely to fall into fraud traps?

Attracted by "free travel", the elderly were fooled by fake "experts" all the time, and finally bought hundreds of thousands of health products at home; After receiving a sales call, the elderly have invested their pensions in "collectibles" with no market value for many years, and finally they were discovered by their families and reported to the police ... A large number of cases show that due to physiological, psychological and social factors, the elderly are more likely to become the target of scammers.

Recently, Beijing Association for the Aged and Beijing Foundation for Helping the Elderly and the Disabled jointly launched "Anti-fraud Raiders for the Elderly (219 Edition)", focusing on various scams such as health care, investment and financial management, and the printed anti-fraud manual will be distributed to communities and places where the elderly are concentrated.

why are elderly people more likely to fall into fraud traps? China has entered an aging society, and the elderly population has increased year by year. When people enter old age, their health inevitably begins to weaken, followed by high medical expenses, etc. In order to prevent accidents, people always leave some reserve money 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 they are helpless, they always hope to have one more card and one more guarantee. Fraudsters usually cheat 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 change some "three noes" products into a package, claiming that they are life-saving drugs for middle-aged and elderly people and defrauding them of money. -this is the "number one" health care fraud in the "Anti-fraud Raiders".

According to media reports, in June 218, the biggest crime of swindling the elderly with health care products 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 non-profit organization, pretending to be a medical expert to brag and exaggerate the efficacy of products, packaging cheap products of more than ten yuan into "special supply" drugs for senior cadres of the central government, and then selling and cheating at a price of 3 to 4 times ... This is the main means for the gang to swindle the elderly.

According to the self-report of the deceived old man, there are three key points that fall into the trap: first, they are tempted by "free travel", second, they are moved by the "emotional card" of fraudsters who are caring and attentive, and third, they are "brainwashed" by fake experts and believe in the exaggerated efficacy of health care products.

The Anti-Fraud Raiders suggests that this kind of scam mainly cheats the elderly by giving favors, creating authority, exaggerating efficacy, etc. It is suggested that the elderly should not believe what strangers say, not disclose personal information easily, communicate with their children and relatives more, and pay attention to keeping shopping receipts.

what scams do 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 show up and fool the old man to save money in the sales company; The sale of counterfeit drugs caused the death of the elderly; Sales of "secret medicine", to protect longevity and health.

a word of caution:

In the face of health care product fraud, we should "have two wants and two don't want", that is, we should not believe that there is a panacea for all diseases. If you suffer from diseases, you should take the initiative to go to the hospital for medical treatment, because health care products cannot 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 criminals' false identities or exaggerated health care products, and don't disclose personal information easily, and communicate with children and relatives more. In the case of selling health products or claiming 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. It is necessary to save the relevant documents and express orders for purchasing health care products, so as to provide them to the public security organs in time after verification of being deceived.

Role-playing fraud

Deception:

Pretending to be a staff member of the civil affairs department and falsely claiming to apply for disability certificate and subsistence allowance; Pretending to be a government demolition office fraud; Pretending to be a staff member of the Finance Bureau to commit fraud; Pretending to be a relative to swindle; Pretending to be a gas company or a hydropower company employee fraud; The "magic doctor" cheated when he saw a doctor.

a word of caution:

when an elderly person calls on his own as a government worker, he should verify his identity, ask him to show his work permit, and call his unit to verify if necessary. Don't believe that "pie falls from the sky", you should not touch your own interests and keep a normal heart. If you want to find a property or call the customer service number on the instruction manual for maintenance, don't believe the small advertisements posted in the corridor.

collectible fraud

deception:

exaggerating the value to defraud the "target fee"; Promise to buy back collectibles at a high price to cheat; Free treasure "close encounter of mahjong" fraud.

Reminder:

To auction a collection, you must identify an auction company with auction qualifications. 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.

When the elderly participate in the investment or auction of collectibles, they must go to the professional department. Don't trust the telephone, internet and TV sales, beware of the fraud trap of the so-called "auction company" and "art company", and call the police in time when they find that they have been cheated. (This article is transferred from anti-fraud big data: FPData)

Investment and wealth management fraud

Deception:

Investment and wealth management fraud in which consumption returns to capital and compound interest; Small profits and small benefits fraudulent investment and financial fraud; Investment in valuables-type investment and financial fraud; Financial product fraud, investment and financial fraud; Partners and original stock fraud investment and financial fraud; Illegal pyramid scheme investment and financial fraud; Advertising-induced investment and financial fraud; Free travel, sky-high house-buying investment and financial fraud; Online 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 false sellers or worthless items and bringing unnecessary losses. When choosing wealth management products for investment, the elderly should not blindly follow the crowd, should have their own judgment standards, and should not be greedy for profits to avoid falling into deeper scams.

Deception of marriage and wealth

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 complain about the history of failed marriage or unfortunate life, and to fabricate their own wealth to defraud sympathy or gain goodwill, and then seek money and color; Criminals fabricate false identities or interpersonal information to 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 and communication is to make clear the identity information of the other party, distinguish the fictitious information of the other party in time, and don't be easily deceived.

In the process of communication, the elderly should be cautious when they meet each other and ask for money many times, no matter what the purpose is, and they can discuss with their children.

tourism fraud

deception:

criminals gain the trust of the elderly by "warm offensive" through various ways of asking questions; The criminals lured the elderly by traveling at low prices and fled after defrauding them of 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.

Reminder:

Forced consumption violates consumers' rights such as free trade and fair trade, and personal injury caused by forced trade is an infringement on the rights and interests of the elderly as consumers.

selling fake goods at low prices or products that do not meet the quality 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 takes high-margin contracts.

A word of caution:

Older people must be cautious when lending funds. It is best to let the other party issue a 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 a large loan, it is best to discuss it with your family. When handling the lending procedures, try to consult a legal professional to avoid being cheated.

Telecom fraud

Deception:

Pretending to be a relevant national staff member to investigate and bluff; Impersonating relatives and friends to request "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 short messages because of greed for small profits; Don't make strange calls in short messages; Don't send money or transfer money to strangers; Don't disclose personal information, especially bank card information.