( Yeni ) – These 5 principles to avoid being scammed and losing money unfairly, everyone should know to protect their rights.
Deposited 27 billion VND in savings after 2 years and left 43 thousand VND
On March 30, 2021, Ms. Hoang Thi Oanh transferred money for the first time. Seeing that the account was opened in her name at the Head Office of this bank, she had no doubts. After that, because she was very confident, Ms. Oanh continued to transfer money. Continue transferring money. Each time Ms. Oanh transfers money, she receives a Confirmation of Account Information/Account Balance or via email confirmed and sent by this bank. The Confirmation is signed by an authorized person, the Director. The Director of the Technical Center or the Branch Director signed and stamped the bank’s red stamp, so Ms. Oanh felt secure and continued to transfer money.
Ms. Oanh’s money balance as confirmed by this bank as of September 16, 2023 is 31,700,000,000 VND. From September 27, 2023 to October 5, 2023, Ms. Oanh deposited an additional 500,000,000 VND into her account and withdrew 4 principals. 5 billion VND, the remaining balance as of October 5, 2023 is 27.7 billion VND.
On October 5, 2023, Ms. Oanh could not withdraw money and on October 12, 2023, Ms. Oanh went to this bank to request an account statement from the time she opened the account until now. It was discovered that it was on Ms. Oanh’s account. Only 46,328 VND left, the account statement shows many transfer and withdrawal transactions that were not requested/performed by Ms. Oanh; In addition, the balance on the statement does not match the balance announced by this bank on the Account Information Confirmation/Account Balance or email provided/sent by this bank to Ms. Oanh at the corresponding time. . Ms. Oanh was extremely confused when the money she had accumulated all her life suddenly disappeared.
* Victim’s name has been changed
Principle when saving money, don’t worry about losing money unjustly
5 rules when saving to avoid losing money unfairly
Must deposit money directly at the counter
One of the rules when depositing savings is to make transactions at a counter with a video camera and this is the deposit regulation, clearly regulated at banks. But in reality, there are still some special cases with VIP customers, who are often assisted by familiar staff to open a deposit account without going to the bank to carry out the prescribed procedures.
Specifically, as Ms. Oanh above sent a large amount of money, she is considered a VIP customer who can enter the VIP room or Director’s room to carry out procedures for deposit or withdrawal transactions as well as sign related documents. . This is extremely dangerous, because in many cases, bank staff do not deposit money into the customer’s account or do not provide all necessary documents for the customer to sign, or after signing the transaction documents, the Bank employees can still swap records. And when something happens, it will be extremely difficult to verify that the disadvantaged person is still the customer.
Absolutely do not sign blank documents in advance
Our grandparents often say that the pen is dead, so when depositing or withdrawing or transferring money, in any case, customers are not allowed to sign blank sheets of paper.
The reason is that all transaction forms for depositing, withdrawing, and transferring money from the bank have clear content and bank staff must comply with the bank’s procedures to transact with customers.
Furthermore, with blank paper forms signed by customers, bank staff can still fill in information to withdraw money from customers in many different ways, even withdrawal messages are not sent. to the phone number that the customer signed, because there may have been collusion at different departments.
5 principles when saving money
It is necessary to clearly understand the difference between investing and traditional savings
Nowadays, when you go to save money, bank staff often advise you on how to save money with higher interest rates than normal savings. If the normal bank interest rate is now only 5%, then saving with a consultant will have an interest rate of up to 20-30%/year. Customers need to be careful, in fact the bank staff is changing the concept that this is not a savings account but a form of investment. They mobilize your capital for investment and remember that in investing there is risk. If your investment loses money, the money you put in will be gone. Therefore, it is necessary to clearly understand the nature of the problem so as not to fall into the situation of unfairly losing money.
Check the detailed contents of the savings book or deposit contract
Customers may be at risk when bank staff accidentally enter the wrong amount of money you deposit or intentionally misappropriate money if the customer does not detect it because they do not check the savings book or savings book or deposit contract. That doesn’t have enough information.
When receiving a savings book, you need to check the information about: bank name, currency, amount; deposit term; deposit date; date of maturity; interest rate; interest payment method; Full name and address of the savings deposit owner and co-owners of the savings deposit; ID card or passport number; card number, seal, signature of unit head (or authorized person)…
Be careful when trading online
Customers should not visit unfamiliar websites with poor security on computers or phones. In addition, you should regularly have virus scanning programs from reputable software companies and always update new versions; Always promptly receive notifications from the bank where the account is opened about risk warnings in online transactions…
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