[전국]Mutual aid insurance paid for 10 years … Company canceled registration 5 years ago

[앵커]

There must be many people who have signed up for mutual aid insurance.

You should see this news and take a look at it.

I signed up for Mutual Assistance and paid all premiums owed for the last 10 years, but the business was canceled several years ago and it closed its business.

Even if the business failed, I received the money without prior notice.

This is Hong Seong-wook.

[기자]

Lee Kyung-hoon, 68, who signed up for mutual aid insurance at the request of an acquaintance in 2011.

I paid 30,000 won every month for 10 years.

Last September, when the due date came, I contacted a mutual aid company to verify the refund amount and received an absurd response.

It is said that it was already canceled 5 years ago by the Seoul Metropolitan Government, and there are no refunds due to expiration or assistance services.

[이경훈 / 등록취소 상조업체 피해자 : 2016년도에 폐업신고가 돼 있다고 하더라고요. 돈보다도, 사람을 속였다는 게 괘씸해서….]

According to the relevant law, the mutual aid company must enter into an insurance money conservation contract with the bank so that half of the premium paid can be returned in case of compensation for damages to the consumer due to the closure of the company or cancellation of registration.

However, Mr. Lee’s name was missing from the list of clients for insurance payment contracts signed by the cooperative and the bank.

[○○은행 관계자 : 상조회사가 법률에 따라 자신의 예치 계좌에 회원 이름으로 예치를 하지 않았다는 얘기일 수도 있으세요. 그런 경우에는 본인이 직접 공정거래 위원회에 도움을….]

Even if you call the representative number of the parent company, the call does not connect to the agent and the call ends.

[등록취소 상조업체 : 장례 행사 긴급 상담 문의는 1번, 기타 상담원 문의는 2번을 눌러주세요.]

In 2015 alone, there were 228 cooperative enterprises across the country and only $ 300 million of the capital was needed, so it increased at full speed.

Business closings continued due to bloody competition from a multitude of insolvent businesses, and the number of businesses dropped to 81 when the FTC raised the capital standard to 1.5 billion won.

The problem is that consumers are responsible for the damages caused by the closure of the cooperative company.

If the business continues to receive membership dues without notifying that the business is closed, criminal charges may be filed for unregistered businesses, but compensation for damages must be received through a civil lawsuit.

[공정거래위원회 관계자 : 가입한 증서나 이런 게 있잖아요. 그런 거를 바탕으로 민사적으로 해결하는 수밖에 없습니다.]

Financial authorities urged them to periodically check whether the mutual aid companies they joined are operating normally and to maintain the mutual aid contract in preparation for receiving compensation for damages in the event of closure.

YTN Sungwook Hong[[email protected]]it is.

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