Sources: All information stated in this article is based on reliable information, and is summarized at the end of this article.
"The customer agreed at the time, if you don't pay, the principal can only be refunded 10,000. ”
The old man holds a pension of 100,000 yuan to the bank, not only "changing" into paying 100,000 yuan a year, but also needs to pay for five years!
The old man not only found it difficult to get back his 100,000 pension, but was also called on by the bank to pay 200,000 yuan because he had no money to renew it.
How did the pension "change" the insurance?
100,000 "insurance"
The old man has saved money all his life, saving money to go to the bank, which is an ordinary money saving business, but now it makes the old man's life suffer.
Now because he can't pay this "100,000 a year" old man, he is now being called by the bank to pay 200,000, which is a 100,000 pension, but now the pension is gone, not to mention, it will be poured to 200,000.
On April 27, Ms. Song from Changzhi, Shanxi Province, said that her mother went to the bank to deposit money in March 2022.
But since that year, 100,000 yuan has been difficult to withdraw, and it has to be chased by the bank.
Ms. Song really found it difficult to understand the bank's approach, and according to Ms. Song, her mother went to the bank to handle the normal "money saving business", but in the end it became an insurance application.
"Because the bank's environment is safe, she chooses to trust her. It was also because of this that Ms. Song's mother signed the agreement "in a daze" under the introduction of the staff.
Also from 2022, Ms. Song's mother's pension has also begun to change greatly, not only is the 100,000 yuan gone, but also 200,000 yuan has to be reversed, and Ms. Song is also angry about the bank's approach.
The customer agreed
Ms. Song said that her mother's 100,000 yuan pension has not only become insurance in the bank, but even the bank's so-called "10,000 yuan a year, you need to pay it for five years" expressed confusion.
In Ms. Song's view, the money saving business she handled not only changed its nature, but also had to pay money backwards every year, and the family would not pay this money to the bank.
It is also because of this that under the bank's insistence on the requirement of "10,000 yuan a year, you need to pay it for five years", Ms. Song's mother now owes the bank 200,000 yuan.
As for Ms. Song's insistence that her mother should not pay the 200,000 yuan, the bank's reply made Ms. Song's mother gasp.
The client herself agreed at the time, and she signed. ”
It stands to reason that the words are written in black and white, signed and pledged, but the deposit business "changes" into the insurance business, and Ms. Song's mother, who is a customer, will definitely not pay at all.
What about the 100,000 pension?
"If you don't pay, the principal will only be refunded 10,000. ”
And the bank emphasized that this was the loss of 55-year-old Ms. Song's mother herself.
Now not only will the hard-earned principal of 100,000 yuan not be returned, but also labeled as deducting 200,000 yuan from the bank, and if it does not follow the five-year payment requirement, the 100,000 yuan will also be pasted into 90,000 yuan.
For the bank's insistence on "with the consent of the customer" and Ms. Song's mother's mist about her pension becoming insurance.
It is obviously to save money, but in the end, the bank insists on "handling insurance", how to explain the reason for the development of this matter?
However, now it is Ms. Song's mother who has suffered this bitter soup, and seeing that it is difficult to get back the 100,000 yuan pension, she has to pay for it.
Regarding what happened to Ms. Song's mother, many netizens complained that there are not a few people like Ms. Song's mother in recent years.
It is even more blunt: is this bank a bank or an insurance company?
Some netizens came forward to say that their father was the same, when he went to deposit money, he was told by the bank to send insurance, and then he regretted it three days later, and deducted ten yuan for 50,000 yuan.
Some netizens said that their father was going to die, but he was told by the staff that it became insurance because of the high interest rate.
The arguments are basically the same, but it was a matter of luck to be able to get back.
In November 2023, an elderly man in Shaanxi also went to the bank to make a deposit, and like Ms. Song's mother, the deposit "changed" into insurance.
Because he did not know the rules and regulations in the insurance contract, the old man was told to renew the fee in the second year, but because he had no money to renew, the old man could only get back 3,500 yuan of 10,000 yuan pension.
It can be said that it is basically similar to Ms. Song's mother's experience.
Banks are financial institutions that deposit and save money, even though there are various wealth management businesses.
However, its biggest feature is that the people store their savings "safely", but now this "safe" has become unsafe under one "word game", and the credibility in the hearts of the people will be reduced by a few points.
Although online savings have become a craze, banks are the first choice for people to save money, especially the elderly.
If you want to come back, you are lucky, or if you don't come back, like Ms. Song's mother, she was not only called to pay money by the bank, but also posted money from the bank, and now she can find a good opportunity by seeking help from the outside world.
The people trust, but the bank pays back the people's "scheming", it is the people who suffer, and it is the bank that has a reputation, so why bother?
Resources:
The local response: The bank has refunded the premiums paid - Yangcheng Evening News
The 55-year-old man said that he had saved 100,000 yuan in pension money to "change" insurance - Phoenix Weekly