Many people accuse the hui owner of fraud and property appropriation.

(Baothanhhoa.vn) - Joining the hui with the hope of accumulating assets, up to now dozens of households in Quang Hop commune (Quang Xuong) are "restless" with the fear of losing billions of dong. Indignant about the above incident, 53 households have filed a complaint against Ms. Bui Thi Tuoi in Phuong Co village, Quang Hop commune for fraud and appropriation of property when not making payments as committed, showing signs of violating the law.

People in Quang Hop commune are worried about losing billions of dong due to the collapse of the savings and credit association. Photo: Tien Dong

Ms. Bui Thi Cuc in Binh Danh village, Quang Hop commune has been a member of the rotating savings and credit association with Ms. Tuoi for many years. In previous years, Ms. Tuoi paid fairly, but from 2021 to 2023, the amount of money that Ms. Cuc paid to Ms. Tuoi was nearly 500 million VND, but until now it has not been paid. Ms. Cuc shared: “I play many rotating savings and credit associations with Ms. Tuoi, some are 2 million VND/member, some are 3 million VND/member, I also play for my children, so the monthly payment is up to 15 - 20 million VND. Every month I pay in cash, when I receive the money, Ms. Tuoi writes it down in the book. When I stopped playing the rotating savings and could not pay, she wrote me a contract to close the rotating savings and credit association, but until now I have not paid a single penny.”

Similarly, Mr. Le Van Thanh's family in Linh Hung village is also one of the households with more than 400 million VND "stuck" due to playing hui in Quang Hop commune. Mr. Le Van Thanh shared: "For a long time, my wife and children have been paying hui to Mrs. Tuoi by bank transfer. When it is her turn, she pays a few dong of interest every month, but when the family has something to do and asks to pay, she delays, giving excuses to avoid it."

Many members of the hui are elderly people and people in difficult circumstances. They joined the hui with the desire to save money, but now they have to worry about losing money. For example, Mrs. Le Thi Hoai and her husband in Binh Danh village are over 65 years old, and their family still has many difficulties. Her husband works as a security guard and earns only 2 million VND per month. She collects vegetables and eggs to sell in the hope of having a little extra income to cover her living expenses. All of her husband's salary is saved to pay the hui, but now the hui owner has announced bankruptcy. Mrs. Hoai said: "She saved all her husband's salary as a security guard to pay the hui, and the hui money so far is 87 million VND. When Mrs. Tuoi asked for money, she was told it would be in July 2024, but it still wasn't there. Last March 2025, I asked but it was not there."

According to local people, Ms. Tuoi used to be a trader at Ly market, Quang Hop commune and had "seniority" as the head of the hui. In addition, she often called for charity and support for areas affected by natural disasters and epidemics, so she gained people's trust, so many traders in Ly market as well as people in the commune joined the hui with her. The rules of the game are that the members pay from 2 to 3 million VND/member, the form of buying the hui is to write a score card, whoever scores the highest gets to get the money first. The members pay in cash or transfer money to the bank account number under Ms. Tuoi's name. In the early stages, she made relatively complete payments. However, from around 2021, the payment of the hui chains organized by Ms. Tuoi revealed many irregularities and lack of transparency. When it was their turn to join the hui, Ms. Tuoi often informed the hui members that someone else had paid a higher score to receive the money first, but did not reveal that person's identity.

At the end of the hui, the members asked Ms. Tuoi to pay the money, but she made up many reasons to delay, avoid, lack cooperation, and even had a challenging attitude towards the hui contributors. Through initial verification, the total amount of money that 53 households in Quang Hop commune contributed to the hui leader was more than 5.9 billion VND. In 2024, many households in the commune reported the incident to local authorities and functional agencies but it has not been resolved yet. Frustrated, 53 individuals simultaneously filed a complaint.

Chairman of the People's Committee of Quang Hop Commune, Dao Nguyen Dung, said: "When receiving the case, we requested the hui organization to comply with legal regulations, and at the same time, verified, reviewed, and repeatedly invited Ms. Bui Thi Tuoi - the hui leader - to work. Currently, Ms. Tuoi is still residing in the locality, showing no signs of fleeing, but up to now she has not returned the hui money to the households as committed, causing outrage among the people in the commune. In 2024, the Commune Police prepared an initial file to transfer to the District Police, then continued to transfer it to the Provincial Police when the District Police were dissolved."

Also according to the Chairman of the People's Committee of Quang Hop commune, the local government has assigned the commune police force to continue to grasp the situation, closely monitor the developments of the incident, and prevent arising security and order issues in the area.

Discussing this case, Lawyer Vu Van Tra (Son Tra Law Company Limited under Thanh Hoa Province Bar Association) said: The case of hui contribution in Quang Hop commune has many unusual signs such as: Taking advantage of people's psychology when participating in hui with the desire to make a profit, as well as limited knowledge of the law to attract a large number of acquaintances to participate in hui. Initially, the hui owner fully performed his responsibilities such as setting up the right line, having enough people, collecting money from participants and paying the full hui money and interest to the players. However, later, when many people came to receive the hui, the hui owner asked for an extension or delayed payment with the reason that "other members had registered to receive the hui", then declared the hui bankrupt and avoided paying... In this case, the hui owner did not publicly disclose the list of players and hui catchers, did not have transparent documents and certificates in playing the hui, did not pay on time as committed... These acts can essentially be understood as using deceitful tricks to deceive and appropriate other people's property. This act has signs of criminality according to the provisions of Article 174 of the 2015 Penal Code, amended and supplemented in 2017 on the crime of "Fraudulent appropriation of property".

Faced with the frustration of the people of Quang Hop commune surrounding the collapse of the savings and credit association, the authorities need to promptly investigate, clarify, and thoroughly handle the case, ensuring the legitimate rights of the people and ensuring stability of security and order in the area.

Viet Huong

Source: https://baothanhhoa.vn/nhieu-nguoi-dan-to-cao-chu-hui-nbsp-lua-dao-chiem-doat-tai-san-252339.htm