There is a layer of dead flies floating in the basin, which is two centimeters thick. Zeng Wenrong pours several pots a day. During the day, flies fly around the house with green heads and hit their faces like bullets. When he closed his eyes at night, he could feel the tentacles of flies clearly across his face, accompanied by a dense buzz.
20 15 12, Wu Han (a pseudonym) stepped into the trap of "providing for the elderly with a house" and signed a house mortgage and entrusted sales contract. In August of the following year, Wu Han's property in Xicheng District was forced to transfer ownership at a price lower than the market price of 3.5 million yuan without his knowledge. It was resold again in May 20 17. In July, the new owner came to the door with several big men, changed the door lock and asked Wu Han to move away from home within three days.
After being evicted from his house in Fengtai District, 68-year-old Zeng and his 85-year-old wife lived in a prefabricated house in 600 yuan, which was rented monthly in the suburbs. Five meters away, it is a garbage dump mixed with rotten vegetables and flies everywhere. The old couple had high fever and diarrhea in succession, and no one dared to say what was in their hearts-"One of us is going to die here."
Loan contract, house mortgage contract, notarization of creditor's rights documents, power of attorney for property transfer, and the investment scam that Zeng and his wife joined under the guise of "the state's policy of providing for the elderly with housing", which were originally signed for the purpose of safeguarding rights, have become the key promoters of taking away the property of the elderly. After a step-by-step legal procedure, Zeng's house was finally mortgaged for sale.
"You are so smart, how did you fall for it?" Friends have asked Zeng, and Zeng can't figure it out. In recent years, there have been many investment frauds that use high interest rates to defraud the property of the elderly. Judging from a series of "silver-mining" scams exposed at present, the actual situation of the elderly being cheated is often more complicated: under the guise of "the country", life difficulties, children's relations, the introduction of old friends, and even the "personal charm" of scammers push the elderly to the scam step by step.
This "housing for the elderly" investment scam involves more than 30 elderly families, including Zeng. Some of them were forced out of their homes, and some temporarily kept their houses, but they were burdened with high debts. According to the statistics of Wu Jie, the head of Beijing Zhicheng Public Welfare Criminal Project, there are actually more than 30 elderly people who have encountered the same fraud methods in Beijing, involving about 80 million yuan. During the period of taking away the property of the elderly, the scam also caused the elderly to break away from their families and fall into a desperate situation.
Be kicked out of the house
Throwing is literally "throwing".
The other is a strong man with two heads, Gao Zengwen Rong. 20 16 16 in Fengtai district, Beijing, there was a knock at the door at 7 o'clock in the evening. As soon as I opened the door, seven or eight strong men in black rushed in, each nearly 1.80 meters tall, shouting, "This house is not yours, get out!"
Zeng Wenrong is thin and thin, weighing 70 kilograms, but full of energy. He has been the backbone of collective literature and art since he studied, and he is smart and capable on weekdays. After retiring, he was also the head of the enthusiastic community activities, but he was also shocked by this battle. An 85-year-old wife, an old couple who came to play at home, and four old people were stunned by the strong man who was squeezed into a room.
Seeing that the old man was not moving, a strong young man in black took Zeng's clothes and threw them outside the door. The young man in the room was kicked out of the door with an old man. "Throw it out like a chicken." Zeng's voice trembled: "Is there a just law?" At the moment when he was thrown out of the door and landed, Zeng Wenrong "fainted like mud" for more than two hours, and the police rushed to the scene. The people in the house showed their real estate licenses and ID cards. This wife, Wang Xuequan, was assigned by the former Coal Research Institute, where the old couple lived for more than 20 years. The column of house owner on the real estate license has become a strange name.
"The name is written on the real estate license. This is someone else's house. Go out. " The police said. This is not the first time the old couple have seen the name on this real estate license.
Six months ago, I joined an investment with my wife. A friend introduced that this is a "house-to-house pension" project launched by the state to care for the elderly, and introduced Guangbin, a "successful entrepreneur".
In fact, the "project" of friends is different from the "housing for the elderly" insurance implemented by the state. Hirohama explained this. He came to provide creditors with. I once obtained the principal by mortgaging the house to the creditor for six months, and then paid the interest to the creditor on time every month, and then used this principal to invest in Guangbin's company project, and Guangbin needed to pay the old man a higher return on investment than the old man paid the interest every month. When it expires in six months, Guangbin will return the principal, and Zeng can also use the money to redeem the house from the creditors.
In order to ensure the legal safety of investment, Guangbin also signed a series of notarial certificates with the elderly. Although the contents of the notarial certificate were not read when signing the contract, the two old people were very relieved. After all, "can the national notary office still harm you?" Guangbin also said "intimately" that it is too much trouble for the old man to pay back the money to the creditor every month, and he is also responsible for the interest paid to the creditor every month. In short, "everything is on me, you don't have to bother."
2065438+In June 2006, the creditor remitted 1.3 million yuan to Zeng's account, which was transferred from Zeng to Guangbin. Guangbin paid the interest of creditor's rights in advance under Zeng's witness. By July, Zeng also received a return on investment of 65,000 yuan from Guangbin as scheduled.
20 17 July 10, Ceng Yi
(pseudonym) and a dozen deceived old people came to Zhicheng Law Firm to seek legal aid. Their experiences of being cheated are similar, and "investors" widely introduce "housing for the elderly"
After the project, a series of real estate entrusted transactions and mortgage contracts were signed in the notary office soon. After a few months, his house was traded, the second transfer, and he was asked to move out within a time limit.
In August last year, I went back to my hometown in Sichuan to attend the rehearsal of a class reunion, and began to receive calls from creditors. The other party said that Guangbin's interest in July had not been paid back, and asked her to pay back the interest. I contacted Guangbin quickly, but Guangbin was full of confidence and told her to leave it alone and let him solve everything.
"Small wide said nothing, still can cheat you? The people of Xiaoguang are reliable and credible, and we will wait. " Zeng didn't care too much about this matter and continued to devote himself to the dance rehearsal of the reunion. /kloc-in mid-October, Zeng and his wife returned to Beijing from their hometown in Sichuan. A friend of Guangbin, who also invests in mortgaged real estate, called her and asked her to come to her house quickly, and then went to the notary office to adjust the information. At this time, I learned that my friend's house had been forced to sell and transfer because of the arrears of creditor interest.
"What a shock." I was completely blindsided when I got the notarial certificate. Guangbin verbally agreed that the six-month mortgage loan period would be reduced to 1 month in the contract, followed by the house mortgage contract, and the house would be sold within one month if the interest could not be paid. When the real estate registration center adjusted the information, the old couple plausibly found that the house was transferred to a strange name as early as August 3 1, and the wife who first saw the information fainted directly.
Old people with similar experiences got together and found that the repayment period of the principal creditor's rights, the house mortgage contract and the loan contract he actually signed was 1 month, regardless of the investment and financial management time promised by Guangbin. While Guangbin repeatedly promised to return the money to the old man and the creditor to delay the time, the old man's house was transferred to a third party at a low price by the creditor with notarized materials.
Compared with the old people who were cleared out, Lin Wen, who was relieved of her agency, was a lucky exception, but at the age of 70, her situation did not improve. On 20 16 10, the parties Guangbin and Liu Xue successively advised her to sell the house to pay the interest of the creditors. Lin Wen is weak and thin, but she is determined not to sell the house. She was widowed, her youngest daughter committed suicide a few years ago, and her eldest daughter became ill and unemployed after divorce. This house near Hujialou, Chaoyang District, Beijing is the only residence for mother and daughter.
Lin Wen recalled that from 20 16 1 1, every day when she opened the door, she saw two strong men in black squatting at the door. Where Lin Wen went one day, the two strong men in black followed him, "forcing the house to sign." In the evening, Lin Wen's mobile phone was bombarded by text messages, "throwing you and your daughter into the meat grinder" and "letting you die a natural death". Day by day, Lin Wen's psychological defense line gradually collapsed. She dared not go out during the day, nor did she dare to open the curtains. She couldn't sleep all night and didn't dare to cry at night for fear of disturbing her daughter.
(The above answers were published on 20 17-08- 10. Please refer to the current actual purchase policy. )
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