Hunan Xinhua fraud insurance case tracking! CCTV reporters exclusively visited the parties to the incident.
CCTV News:The husband cheated insurance and cheated death, which led to his wife’s death with a pair of children. This reality is always beyond imagination, but it really happened around us. On September 18 this year, He Mou, who opened a car in Xinhua, Hunan Province, suddenly disappeared. After 22 days of searching for her husband, he Mou’s wife Xiao Dai left a farewell letter and also wanted to follow her husband. However, the tragedy didn’t end here. Just when people were sorry for this family of four, He Mou, the driver of the network car, suddenly appeared. When the truth was announced, people could not help sighing. The rule of law online reporter recently came to Xinhua, Hunan, and made an exclusive visit to this incident.
At 11: 53 on October 10, 2018, in Tanjia Village, Langtang Town, Xinhua, Hunan Province, a young mother, with two children, hurried through this small road at the entrance of the village. Twenty minutes later, a villager saw three mothers and children wandering around this pond at the junction of Tanjia Village and Dalong Village.
Witness: "I came out from there, I met her, and her expression was very strange. Later, I sold ducks and came back. When I came back, I saw her again, and she looked very strange." The strange expression in this villager’s eyes is Xiao Dai, the wife of He Mou, the driver of the online car. Since her husband disappeared, she has been searching hard with her two children, but there is no news. Xiao Dai sent a long suicide note in a circle of friends, saying that she would "follow the loved one to leave". When her friends saw this message, they could no longer contact her.
After some searching, everyone just found a handbag by the pond where the mother and son finally appeared. At this time, no one wants to guess at the worst. A mother with two children should not do anything drastic. Soon, the local online media published an article looking for Xiao Dai and two children.
Suspect He Mou: "I saw that it should be around 3 pm at that time. I saw that Xinhua Focus released the one with my wife (lost). I knew I might have done something wrong."
Reporter: "Did you see the last letter?"
He Mou: "I didn’t see the last letter, but I saw one here. She put that child with a bag on her shoulder, which was specially used to put children’s medicine, as well as paper towels and diapers, because that bag has been used for a long time. I know, I bought that bag."
Criminal suspect He Mou
[The husband faked his disappearance and cut off contact with the outside world]
When he saw this news about missing people, He was on his way to his hometown in Hunan. During the more than 20 days of fake disappearance, He cut off all previous contact with the outside world, so he couldn’t see the circle of friends that his wife had just sent. Until now, he still felt that his wife was just hiding somewhere to get angry with himself.
Although he had a similar experience before, this time He was not so sure. In order to disguise his disappearance more realistically, 22 days ago, he rented a car from the leasing company and drove it from a cliff in Zijiang to the river in the dark.
After driving the rented car to Zijiang, He Mou fled to Guizhou in the car he bought two years ago. In 2016, in order to buy this car and rent it, He borrowed a sum of money through online loans for the first time. According to He’s memory, he borrowed 40,000 yuan or 50,000 yuan online for the first time, and at first he thought he could turn it around. But slowly he found that this is a bottomless pit that is difficult to fill.
Suspect He Mou: "You may not find the interest when you first started to borrow, that is, you can still turn around at first, but after you roll for one year, don’t say the principal, maybe you can’t repay the interest."
In order to repay the loan of one family, He borrowed from another family, thus robbing Peter to pay Paul, with higher and higher loans and more and more debts. Until September this year, He decided to take risks. According to the police, On September 7th, He bought a personal accident insurance with a coverage of 1 million yuan in China Ping An Insurance for 1699 yuan, and the beneficiaries were He and Dai.
He thought he had a very thorough plan, but he didn’t consider what kind of blow he would bring to his wife. Since her husband disappeared, Xiao Dai has searched all her friends and called the police, but there is no news. On September 21, she also called her husband to go home quickly in a circle of friends so that the family could reunite for the Mid-Autumn Festival.
On September 22, Xiao Dai received a courier from Guizhou, which contained an insurance policy. The applicant was her husband and the beneficiary was husband and wife. At that time, I was looking for my husband’s little Dai, and I didn’t take this policy to heart. On September 25, the police received an alarm from a car rental company, and this alarm was also related to the missing He.
Xiao Zhiping, instructor of the Criminal Investigation Brigade of Xinhua County Public Security Bureau, Hunan Province: "On September 25th, the staff who obtained evidence first got an alarm from our Meiyuan police station. It is said that their taxi company rented a car to He, but this He lost contact and could not find the car. Then we will link these two police situations and merge them to conduct investigations. "
Why does He want to rent a car when he has his own car? And why can’t I find this rented car? Although the police have doubts, they must find more conclusive evidence. On the afternoon of September 30, the news came that someone reported that a car that had fallen into the river was found in the Xiaoyang Zijiang section of Caojia Town.
Xiao Zhiping, instructor of the Criminal Investigation Brigade of Xinhua County Public Security Bureau, Hunan Province: "I found that the front windshield of the vehicle was broken, and the other doors were closed. But our most important point is that we didn’t find that the car was alive. "
The car door was closed, but He was not in the car, and He was not found in the nearby waters. Where is He, life or death? Everything is still inconclusive, but Xiao Dai’s mood has collapsed at that time. At the scene of the accident salvage, Xiao Dai was heartbroken at the uncertainty of her husband’s life and death, but never thought that her husband was actually safe and sound at the moment, hiding in the parking lot of a hospital in Kaili, Guizhou, paying attention to the news that happened in his hometown.
Suspect He Mou: "Because I saw it when he salvaged the car, but I was so scared at that time, but I think the car should be salvaged and no one found it. I guess it should be okay."
[What’s the hidden story behind the absurd scam]
In order to cheat insurance and avoid debts, He Mou wrote and directed such a scam, and behind this seemingly absurd plan, there are many problems encountered by He Mou’s family. After He arrived at the case, according to the police investigation, his arrears and interest totaled 400,000 to 500,000 yuan. By the time he arrived at the case, there were still 170,000 to 80,000 debts outstanding.
Xiao Zhiping, instructor of the Criminal Investigation Brigade of Xinhua County Public Security Bureau, Hunan Province: "He has no specific figures of his own. He only talked about more than 100,000 yuan, how many times he borrowed, and how many loans he found from this company. He can’t remember clearly."
In October 2017, his wife, Xiao Dai, received a land acquisition fee from her hometown, totaling more than 200,000 yuan. However, the money was turned over to He Mou to fill in the pit of online loans.
The two also got a divorce certificate because of the debt problem, and remarried after half a year. However, the extremely vulnerable families, who are already suffering from debt, have also suffered a more fatal blow. In June 2017, their little daughter was diagnosed with severe epilepsy. According to He, her daughter spent a total of more than 100,000 yuan on medical treatment, and took part of the expenses through online crowdfunding and medical expenses reimbursement, which reduced the burden of seeing a doctor a lot, but it still could not offset those online loans before He.
Even so, the couple never mentioned the difficulties they encountered with their families, and the news about their daughter’s illness and crowdfunding also blocked their families. Every time I go back to my hometown, I look like love and happiness. Therefore, the family does not know that this seemingly happy family has already been swallowed up by various problems such as online loans and daughter’s illness.
Unfortunately, the appearance of happiness did not last long. Due to the inability to repay the loan, the loan platform called the debt collection phone to He’s parents’ home. It is only a drop in the bucket for He’s parents to help him borrow money several times. The heavy debt, plus the illness that his daughter will have at any time and the cost of follow-up treatment, He decided to take risks and fake his death to cheat insurance.
Suspect He Mou: "As long as I make a fake death, they may give up tracking my debt. I just thought that the wind was a little bit, and I didn’t think it would take so long at first. "
According to the contents of Xiao Dai’s letter, after He’s disappearance, all kinds of criticisms from her husband’s family made her unbearable. The trauma of losing her parents when she was young, her daughter’s illness, her outstanding debts, her missing husband and the accusations of her husband’s family are pushing Xiao Dai to the abyss step by step. At this time, He had no idea of the difficulties faced by his wife. According to his plan, he would quietly return to Hunan to pick up his wife and children and live in other places after the situation subsided.
In the early morning of October 11th, He rushed back to his hometown, found no trace of his wife and children near the pond, and dared not step into the house. "I went to look for it at the place where she had an accident. At that time, I also sneaked home, but I didn’t enter the house. At that time, I looked at the light, but there was no sound. After 2 or 300 meters, I thought my wife was just angry."
[The bad news came that mother and son passed away]
He Mou, who was guilty and hopeful, stayed at home until dawn the next day. On October 11th, the police continued to search for Xiao Dai’s missing pond. At ten o’clock in the morning, the police found three mothers and children in the pond, but unfortunately all three had passed away.
When the bad news came, He Mou regretted it. Just coming back so late led to a life tragedy in which his wife and children passed away. Perhaps it was not only the time to return, but he had already planted the seeds of this tragedy from the beginning when he had the idea of committing crimes.
On October 12, He Mou surrendered himself to the public security organ. At present, he is criminally detained on suspicion of vandalism and insurance fraud. The case is under further investigation.
[Extreme ways to deal with difficulties are not desirable! 】
Many misfortunes encountered by this family deserve our sympathy, but it is not advisable for He Mou and Xiao Dai to deal with the difficulties in life in this extreme form. Imagine, if Xiao Dai could communicate with his family more after her husband disappeared, so that his family could understand more, maybe he wouldn’t make the last choice. In the final analysis, if He had not used the method of robbing Peter to pay Paul at the earliest, he would have fallen deeper and deeper in the whirlpool of online loans, and he would not have reached such a situation today.
Zhu Wei, deputy director of the Communication Law Research Center of China University of Political Science and Law, said: "This kind of drinking poison to quench thirst is unnecessary. There are actually many other resources that can be used offline. When it comes to emergencies, students at school can talk to their parents, and people around them have good friends who can help you. Moreover, there are so many social channels, which can be considered completely."
Experts pointed out that even if there is no tragedy of his wife and children drowning, this insurance fraud plan planned by He will not be easily realized, but will only make him fall into a deeper whirlpool.
Zhu Wei, deputy director of Communication Law Research Center of China University of Political Science and Law, said: "He used a very extreme means and an illegal act to defraud insurance money. Even if this matter, if according to his idea, his wife and children will have no problem, but can you really get insurance money in the end? No, because he didn’t find the last body, the body with quotation marks, and he had to go through a related process of declaring missing or even dying. This process will also take several years and require complicated legal procedures. Have you ever thought, even if it is really successful, what if this person appears again, won’t this incident happen when it comes to the public? Don’t just for this one million, hiding from the urgent need, and the children’s wives will never meet again? Then have you thought about what to do with your family in the future? "
The police who detected the case pointed out that He did not take up legal weapons to protect himself when he encountered difficulties, and did not correct his mistake in time. Instead, he tried to make up for this mistake with another mistake, even at the expense of breaking the bottom line of the law, and eventually not only destroyed the individual but also the whole family.
Wu Dayong, executive deputy director of Xinhua County Public Security Bureau of Hunan Province, said: "He Mou gave us more warning and enlightenment. In fact, in our life and work, when we encounter different difficulties and setbacks, we will face them positively and correctly and take some legal measures to solve them. Otherwise, it will bring infinite pain to the family and myself. "
On the other hand, the unfortunate experience of Xiao Dai and the whole family, experts pointed out that in the process of urbanization, more and more rural families choose to live in the city like Xiao Dai and He Mou, and the forms of work and parenting are changing. The traditional model has been broken, but the new model has not been fully established. In this change, the living environment of women and the construction of families in the process of urbanization need special attention.
Liu Zhengkui, a researcher at the Institute of Psychology, Chinese Academy of Sciences: "We should pay attention to the construction of such a family in the process of urbanization, so our society should have such a security system. For example, when the family encounters a crisis, there is a place to go to someone to guide someone to deal with it, including security, and go to the household to deal with it."
From the internal point of view, how to deal with the crisis with a positive attitude instead of choosing to escape, commit suicide or even deprive others of their lives? Experts point out that when the difficulties in life cannot be dealt with, we should learn to rely on our families, have full communication and understanding among family members, and learn to seek help from the outside world.
Liu Zhengkui, a researcher at the Institute of Psychology, Chinese Academy of Sciences, said: "Help is at two levels. Some families encounter some crises, and others may not really give you much help, but you can tell others, discuss with others, and one of the benefits of discussing together is that you can release some of your own emotions moderately. Then the second point of help is more important. In other words, there are so many organizations in our country, and there are many channels for the government to alleviate or solve this.