{"id":1270461,"date":"2025-05-28T08:10:34","date_gmt":"2025-05-28T12:10:34","guid":{"rendered":"https:\/\/stepstojustice.ca\/steps\/\/2-learn-about-the-nosi-scam\/"},"modified":"2025-06-03T16:06:45","modified_gmt":"2025-06-03T20:06:45","slug":"2-a-propos-de-lescroquerie-liee-aux-avs","status":"publish","type":"steps","link":"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/2-a-propos-de-lescroquerie-liee-aux-avs\/","title":{"rendered":"2. \u00c0 propos de l&#8217;escroquerie li\u00e9e aux avis de s\u00fbret\u00e9"},"content":{"rendered":"\n<p>Certaines entreprises de services \u00e0 domicile utilisaient les avis de s\u00fbret\u00e9 (AVS) pour escroquer les propri\u00e9taires. Ce type d\u2019entreprise loue ou finance de l\u2019\u00e9quipement, comme des chauffe-eau, des fournaises ou des appareils de chauffage, de ventilation et de climatisation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-deroulement-de-l-escroquerie\"><strong>D\u00e9roulement de l&#8217;escroquerie<\/strong><\/h3>\n\n\n\n<p><strong>\u00c9tape&nbsp;1<\/strong><\/p>\n\n\n\n<p>Une entreprise de services \u00e0 domicile envoyait un vendeur chez un propri\u00e9taire vuln\u00e9rable, par exemple une personne \u00e2g\u00e9e&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>comprenant mal la situation, vu sa d\u00e9mence ou un autre trouble,<\/li>\n\n\n\n<li>peu alphab\u00e9tis\u00e9e, ou<\/li>\n\n\n\n<li>n\u2019ayant pas le fran\u00e7ais comme langue maternelle.<\/li>\n<\/ul>\n\n\n\n<p><strong>\u00c9tape\u00a02<\/strong><\/p>\n\n\n\n<p>Le vendeur proposait un appareil, comme un chauffe-eau ou une fournaise, \u00e0 un prix beaucoup plus \u00e9lev\u00e9 que sa valeur. Par exemple, si l\u2019appareil valait 5&nbsp;000&nbsp;$, il disait qu\u2019il co\u00fbtait 30&nbsp;000&nbsp;$.<\/p>\n\n\n\n<p>Le vendeur disait ensuite au propri\u00e9taire qu\u2019il n\u2019avait rien \u00e0 payer parce que le co\u00fbt de l\u2019appareil \u00e9tait couvert par des remises gouvernementales. Ce qui \u00e9tait faux.<br><br>Il existait bien des r\u00e9gimes gouvernementaux pouvant couvrir l\u2019appareil, mais l\u2019entreprise ne les utilisait pas.<\/p>\n\n\n\n<p><strong>\u00c9tape\u00a03<\/strong><\/p>\n\n\n\n<p>Le vendeur pressait ensuite le propri\u00e9taire de signer un contrat sur-le-champ, sans le lire ni obtenir de conseils.<\/p>\n\n\n\n<p>Ce faisant, le propri\u00e9taire acceptait&nbsp;:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>de payer l\u2019appareil en empruntant \u00e0 une soci\u00e9t\u00e9 de financement et non au moyen de remises gouvernementales, et<\/li>\n\n\n\n<li>que la soci\u00e9t\u00e9 enregistre un AVS sur sa propri\u00e9t\u00e9, vu le co\u00fbt \u00e9lev\u00e9 de l\u2019appareil.<\/li>\n<\/ul>\n\n\n\n<p>Une soci\u00e9t\u00e9 de financement accorde des pr\u00eats.<br><strong>&nbsp;<br>\u00c9tape&nbsp;4<\/strong><\/p>\n\n\n\n<p>Apr\u00e8s, la soci\u00e9t\u00e9 de financement transf\u00e9rait l\u2019argent emprunt\u00e9 par le propri\u00e9taire \u00e0 l\u2019entreprise de services \u00e0 domicile.<\/p>\n\n\n\n<p>Cette derni\u00e8re installait l\u2019appareil, puis la soci\u00e9t\u00e9 de financement enregistrait un AVS sur la propri\u00e9t\u00e9, vu le co\u00fbt \u00e9lev\u00e9 de l\u2019emprunt.<\/p>\n\n\n\n<p>Le propri\u00e9taire croyait avoir pay\u00e9 l\u2019appareil au moyen de remises gouvernementales. Il ne savait pas qu\u2019il empruntait de l\u2019argent ni qu\u2019un AVS avait \u00e9t\u00e9 enregistr\u00e9 sur sa propri\u00e9t\u00e9.<\/p>\n\n\n\n<p><strong>\u00c9tape\u00a05<\/strong><br><br>Finalement, le propri\u00e9taire d\u00e9couvrait la v\u00e9rit\u00e9 sur l\u2019AVS et le pr\u00eat lorsqu\u2019il remarquait que des pr\u00e9l\u00e8vements automatiques dans son compte bancaire \u00e9taient vers\u00e9s \u00e0 la soci\u00e9t\u00e9 de financement.<\/p>\n\n\n\n<p>Le propri\u00e9taire finissait par payer des dizaines de milliers de dollars \u00e0 la soci\u00e9t\u00e9 de financement pour faire supprimer l\u2019AVS et mettre fin au contrat.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p> <\/p>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content -->","protected":false},"author":6,"featured_media":0,"template":"","class_list":["post-1270461","steps","type-steps","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.9 (Yoast SEO v23.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>2. \u00c0 propos de l&#039;escroquerie li\u00e9e aux avis de s\u00fbret\u00e9 - Justice pas-\u00e0-pas<\/title>\n<meta name=\"description\" content=\"Certaines entreprises de services \u00e0 domicile utilisaient les avis de s\u00fbret\u00e9 (AVS) pour escroquer les propri\u00e9taires. 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