森州夫妇到银行欲办定存 职员却游说签保单
新闻报报看 | 在今年2月，森美兰州有一对年纪接近60岁的夫妇想到银行去办理定期存款，但是却在银行职员的游说下签下了一份据说回酬比定存利息更高的保单。在签下这份保单的半年后，当女事主到银行想要领取半年的利息钱，结果银行的答复让她觉得自己被骗了。（主播：蔡心惠、郑萱荟）
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NewsTranscript
00:00 Many seniors who are old enough to go to the bank to handle business
00:03 If you don't know the bank's procedures
00:07 It's better to have family to accompany you
00:10 In February this year, a couple in Simei Lan Zhou, who are nearly 60 years old
00:14 Originally, they went to the bank to handle the regular deposit FD
00:18 But under the tax of bank employees
00:21 They signed a security deposit that is said to be more expensive than a fixed interest
00:26 As a result, after half a year of signing this security deposit
00:28 When the lady went to the bank to get the half-year interest money
00:32 The bank's reply made her feel cheated
00:36 Since this security deposit was indeed signed by this couple
00:40 And it's still handled by the bank
00:42 How could it be said to be cheated?
00:45 According to the Chinese newspaper, the lady said
00:47 Half a year ago, she and her husband went to a bank in Furong to handle regular deposits
00:53 At that time, a bank employee was very happy to recommend this to them
00:57 It's a very worthwhile security deposit
01:00 Under the sales of this employee for a few hours
01:03 They finally signed this security deposit
01:05 They thought it was a fixed-interest security deposit
01:09 As a result, last Friday, when the lady went to the bank to get the half-year interest
01:14 She found that the couple had not signed a fixed-interest security deposit
01:18 She found that the security deposit she bought was not the right one
01:21 And at that time, the employee who sold this security deposit was not there
01:25 Finally, with the help of another employee
01:28 She found that what they signed was a life insurance policy
01:33 The security deposit must be paid more than 16,000 RMB every year
01:37 And it must be waited for 15 years before it can be recovered
01:42 Not only that, the employee of the bank also told her
01:45 The 17,000 RMB they had reserved
01:48 Will also be deducted from it directly after the insurance policy expires next year
01:52 When she returned home, the lady immediately asked her daughter to help check the entire security deposit in detail
01:57 She found that it was true, and she felt cheated
02:01 The lady also mentioned that since they were both almost 60 years old
02:04 Therefore, life insurance was of no use to them
02:07 So the security deposit they signed was not guaranteed by any medical or accident
02:13 She also doubts that in addition to them
02:15 How many old people are unknowingly
02:18 Cheated by bank employees to buy security deposits
02:21 The lady also talked to the bank employee who sold the security deposit
02:26 She blamed the bank for not explaining to her
02:29 That it would take 15 years before it can be recovered
02:32 She also asked the bank to calculate
02:34 How much money they can get back if they want to return the security deposit
02:37 The answer was that they could only get back 3,000 RMB
02:41 The security deposit was paid more than 16,000 RMB a year
02:45 If the security deposit can only be returned 3,000 RMB
02:48 The lady was very dissatisfied with the bank employee and the insurance company
02:52 She said that if this bank employee had informed in advance
02:55 That it would take 15 years before the money could be recovered
02:59 They would never sign this security deposit
03:02 But the lady also admitted that she was also negligent in this matter
03:07 But she really couldn't swallow this
03:09 She hopes to get back at least half of the cost
03:12 Not just 3,000 RMB
03:15 The lady also hopes that with their experience
03:17 When reminding people to handle business at the bank
03:20 Be careful
03:22 To avoid being taxed and signing a security deposit that is not suitable for them
03:27 She also considered bringing the case to the Consumer Court
03:31 And also filed a complaint with the National Bank
03:33 [Music]