At the age of 17, she fought for the glory of her motherland!

After finishing two classes in the afternoon, Su Xing hurried to Mrs. Qiao's house.

Old Mrs. Qiao had been waiting for Su to wake up.

As soon as she heard the knock on the door, she opened it immediately.

"Xiao Su, come in quickly."

After Su Xing entered the room, he didn't exchange too many pleasantries and went straight to the point, "Grandma Qiao, the picture you sent me is not a deposit slip, it's an insurance policy."

"Insurance policy?" Mrs. Qiao's heart sank. "What should I do? When I went to deposit money before, I didn't look carefully. I just did whatever they told me to do..."

In recent years, she occasionally did odd jobs, or sold candied haws and popcorn, etc., to save some money, and when she had enough money, she would deposit it in the bank.

As for her pension, she would withdraw what she couldn't spend and put the rest into a fixed deposit with a higher interest rate.

She thought that when she saw her grandson one day, she would leave some money for him.

She deposited the "deposit slip" this time because she heard that the interest rate was high.

As a result, when I was packing up my passbooks and cash boxes today, I found something seemed wrong, so I took a photo and asked Su Xing.

Su Xing said, "Grandma Qiao, bring the list here."

Old Mrs. Qiao quickly took out the insurance policy and handed it to Su Xing, "Here..."

Su Xing explained the key points of this insurance to Mrs. Qiao, "For this insurance you bought, you need to save 12,000 yuan every year for five consecutive years. After five years, you can receive a few hundred yuan every month."

She sighed inwardly. Some bank branch staff, in order to increase sales, tricked depositors into buying insurance, and many people fell for it.

Especially some elderly people, they signed a bunch of documents without thinking, thinking they were making high-interest fixed deposits, but in fact they bought insurance. They were dumbfounded when they wanted to withdraw the money.

Old Mrs. Qiao slapped her thigh and said, "This is ridiculous! I am already over 70 years old. I can only receive the money after saving for five years. How many years can I receive it?"

Su Xing frowned.

In fact, most insurance policies are not available for people over the age of 60 or 65.

However, there are also some insurance products that can be purchased at the age of 70, and some can even be insured at the age of 79.

"Grandma Qiao, don't worry." Su Xing comforted Mrs. Qiao softly and asked her, "Are you sure you went there to save money, not to buy insurance? You were fooled into buying insurance without knowing it, right?"

Old Mrs. Qiao nodded repeatedly, "Yes, yes! I'm already this old, the government has already given me enough money to spend, and I also have medical insurance, why should I buy this kind of insurance!"

Su Xing asked again: "Is this bank branch far away?"

"Not far, just two stops."

Su Xing glanced at the time and said, "Since the bank is still open, I'll go with you to cancel the insurance."

When Mrs. Qiao heard this, she immediately asked hopefully, "Can I still get a refund?"

Su Xing said: "Almost, let's go and give it a try."

"it is good!"

Old Mrs. Qiao put on her coat, took her ID card and insurance policy, and the two of them went out together.

In order to save time, Su Xing hailed a taxi.

After giving the address, the driver stepped on the accelerator and arrived at the destination.

Su Xing and Old Mrs. Qiao entered the bank.

Su Xing went straight to the lobby manager and said, "Hello, my grandma deposited money in your bank and was tricked by your staff into buying insurance. We are here to cancel the insurance now."

In the waiting area of ​​the bank, there were still several people waiting in line to handle their business.

Su Xing's voice was quite loud, so some people turned their heads to look over here.

The lobby manager saw that Su Xing seemed to be up to no good.

He quickly smiled and made a gesture of invitation, "Don't be impatient, let's talk inside, shall we?"

Su Xing supported Old Mrs. Qiao and followed the lobby manager to a reception room inside.

Su Xing and Old Mrs. Qiao sat down, and the lobby manager sat opposite them.

"What kind of insurance did you buy? Why do you want to cancel it?"

Old Mrs. Qiao handed over the insurance policy.

The lobby manager looked at the insurance policy and said, "This insurance is very cost-effective, why do you want to cancel it..."

Mrs. Qiao was a little excited when she heard this. "It's a good deal? How is it a good deal?! Don't you see how old I am? I'm not sure if I can live to see the day I get paid!"

"Auntie, please don't get excited..."

Su Xing said, "My grandma came here to deposit money. Your bank took advantage of the elderly because they don't understand these businesses and turned the deposit into insurance. Isn't that a bit too much?!"

The lobby manager said, "Did the old man sign this contract himself?"

Su Xing had a serious expression. "Who handled the business for my grandma at that time? How did my grandma sign the contract? Do you have relevant audio and video evidence? Please show the relevant evidence to see if you used any tricks to induce her. If you didn't use any tricks, and my grandma clearly said that she came to buy insurance, then we will recognize this contract. If you induced the old lady to buy insurance, then don't blame me for complaining!"

"Let's talk it over nicely." The lobby manager said quickly, "Insurance can usually be refunded, but..."

When Mrs. Qiao heard that she could withdraw, she was about to breathe a sigh of relief, but then she heard the word "but" again.

Her heart was lifted again, and she asked, "But what?"

The lobby manager said: "The cooling-off period for this policy has passed. According to the contract, only 60% can be refunded, which is 7200 yuan."

Old Mrs. Qiao's face suddenly looked bad.

Su Xing said: "You induced the elderly to buy insurance. We used our money for several months. It's good enough that we didn't ask you for interest. You still want to deduct the principal? We can't accept it!"

The lobby manager said, "Well, let's talk to the insurance company. Can you give us some time?"

"for how long?"

"Give you a reply within seven working days?"

It's almost time for the bank to close, and Su Xing knows that it's impossible for the bank to cancel the insurance policy today.

But there was no way she would agree to seven working days.

"No, I can only accept it until tomorrow, around noon or evening tomorrow. I hope to receive a call from you and tell me the exact time of full refund, otherwise I will file a complaint."

This is the number from the China Banking and Insurance Regulatory Commission.

It is the country's official banking regulatory department that banks fear the most.

The lobby manager gritted his teeth and said, "Okay, we will call you back tomorrow."

Su Xing added: "Call me, don't call my grandma. You're trying to trick an old lady like her."

"Okay... leave me your contact information."

Su Xing left his phone number.

The lobby manager escorted Su Xing and Old Mrs. Qiao out of the reception room.

The two left the bank.

Mrs. Qiao was worried, "Can they...really return all the money to me?"

Su Xing comforted her, "Don't worry. If the bank staff who handled your business did indeed engage in misleading behavior, they wouldn't dare to refuse to refund the money."

"Xiao Su, thank you for your hard work. I, an old woman, always cause you trouble."

"Granny Qiao, what are you talking about? This is not a big deal. It's not a big deal. What's more, you have helped our studio a lot."

"What's that to me? You're still paying me..."

“You deserve it.”