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Individuals are compensated by the loan bank

Time: 2014-03-21         Source: Chengdu Business Daily         Author: Chengdu Business Daily

        If someone under the guise of their own nameloan, Not on time repayment, affect their credit ... ... think about people are a bit chilling. And Guangyu City Wangcang County, Mr. Ho, in September this year encountered such a strange thing.

And under the guise of his name loan of $ 100,000, not a friend who knows his personal information, but a bank. The bank's use of Mr. He's personal credit information loans after the repayment on time, Mr. He's personal credit had a negative impact. November 13, after Wangcang County Court before the mediation, the bank compensation Mr. Ho 25,000 yuan, and is responsible for updating their personal credit information.

"Loan" 100,000

Failure to return credit on time

Mr. He went to Wangcang County in January 2008 to do business, but because of the temporary turnover of funds, however, in a certainBank loan10 million yuan. After the expiration of the loan, Mr. Ho on time to the bank to pay off the principal and interest.

In September this year, Mr. Ho for the expansion of business scale, but also to Wangcang a bank to apply for loans. But after the completion of the formalities, the bank said that loans can not be issued, because the "bank customer credit file" records, Mr. He in April 2011 in other banks have 10 million loan records and has expired, not to the bank in a timely manner Repayment

Mr. Ho one, very surprised, then inquiriesPersonal credit report, Just learned that "there is something." But he had a loan in 2008, but also; and in 2011 to let him "be loan" of the bank is not the one he borrowed.

The bank admit the mistake

Willing to resume credit compensation 25,000 yuan

Mr. He immediately found himself "loaned" a bank, asked the bank to immediately amend his personal credit information, and compensation for its failure to lend money to the various economic losses and mental losses of 200,000 yuan. Mr. Ho sued Wangcang County People's Court on November 10 after his claim was rejected. Subsequently, the court organized the bank and Mr. He to mediate.

In mediation, the bank admitted that Mr. He had a bad record in his loan system. Wangcang County Court judge mediation pointed out that Mr. He in his bank loan rejected the fact that the reason is that the bank deliberately use Mr. He's personal credit information for the loan, the loan does not repay on time, Mr. He's personal The credit has had a bad effect, and the bank is faulty.

According to the law, the personal credit information base database is an integral part of the citizens' personality rights. Therefore, the bank caused Mr. He's personal credit information was derogatory, in essence, violated Mr. He's personality. Therefore, Mr. He has the right to ask the bank to change its personal credit information data, that is, the bank to bear the civil liability to stop the infringement, which Mr. Mr. caused by the material and spiritual losses should also bear civil liability.

After mediation, the bank to recognize their own mistakes, decided to update Mr. He's personal credit information, and willing to compensate 25,000 yuan; Mr. He also understand the bank's fault, accepted the compensation.

Industry insiders

Timely access to personal credit information

Chengdu Business Daily reporter yesterday to the Sichuan Banking Regulatory Bureau Guangyuan Branch interview. Zan Zhiyong, director of the Office of the Office, said that in recent years, the Council on the "customer 'by bank loans," the complaint is zero, the incident needs to be investigated. If it is true, there may be some commercial banks between the existence of part of the information sharing agreement. At the same time, Zan Zhiyong said that the commercial banks in the customer loans, will require customers to the scene. Inexplicable "loan" issue is clearly a violation of the case.

Zan Zhiyong said that the bank involved "whether it is Wangcang Post Savings Bank also need to investigate." Subsequently, located in the Sichuan Banking Regulatory Bureau Guangyuan Branch downstairs Guangyuan postal savings bank related person in charge of Deng Dashun was Zan Zhiyong called upstairs office to communicate on the matter. Deng Dashun said in the field, "will immediately investigate the matter."

"If the bank repayment in a timely manner, did not cause customer credit damage, whether the use of customer information loan behavior is not easy to be found?" Zan Zhiyong said: "There may not be found." Then, "loan" How does the customer discover such problems in a timely manner and how to deal with them? On-site digital industry have said that customers timely inquiries personal credit information, to avoid such a situation has a certain role.

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