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Individual was loaned to bank for compensation of 250,000 5

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

        If someone under their own nameloan, It is still not on time repayment, affecting their own credit ... ... think about it is a bit shudder. Mr. He from Wangcang County, Guangyuan City, encountered such an anecdote in September this year.

In the name of his loan of RMB 100,000, he is not a friend who knows his personal information, but a bank. The bank failed to repay on time after using Mr. He’s personal credit information to make loans, which had an adverse effect on Mr. Ho’s personal credit. On November 13, after Wangcang County Court mediated the mediation, the bank compensated Mr. Ho for 25,000 yuan and was responsible for updating his personal credit information.

"Loaned" 100,000

Failure to return credit on time

Mr. Ho started business in Wangcang County in January 2008. He had been unable to make a profit because of a temporary transfer of funds.Bank loan100,000 yuan. After the loan expired, Mr. Ho arrived at the bank on time to pay off the principal and interest.

In September of this year, Mr. Ho applied for a loan from Wangcang Bank for expanding his business. However, after completing the formalities, the bank stated that it was unable to issue loans because the “Bank Customer Credit File” stated that Mr. He had a loan record of RMB 100,000 in other banks in April 2011 and had expired. Repayment.

Mr. He listened, very surprisedPersonal credit reportOnly learned that "it does." However, he loaned one loan in 2008 and returned it, and the bank that made him “loaned” in 2011 was not the one he had loaned.

Bank admits mistakes

Willing to restore credit compensation 25,000 yuan

Mr. Ho immediately found a bank to which he was “loaned” and asked the bank to immediately correct his personal credit information and compensate him for various economic losses and moral damages caused by the failure to borrow money. After Mr. Ho's claim for compensation was rejected, he was sued to Wangcang County People's Court on November 10. Subsequently, the court organized the bank to conduct mediation with Mr. He before the appeal.

In mediation, the bank acknowledged the fact that Mr. He had bad records in his loan system. Wangcang County Court Judge stated that the fact that Mr. He was denied loans at his bank was due to the bank’s deliberate use of Mr. He’s personal credit information to make loans and that the loan was not repaid on time. The credit has had a bad influence and the bank is at fault.

According to the law, the basic database of personal credit information is an integral part of the citizen’s personality right. Therefore, the bank caused Mr. Ho’s personal credit information to be derogated and in essence infringed upon Mr. Ho’s personal rights. Therefore, Mr. He has the right to require the bank to change its personal credit information data, that is, to require the bank to bear the civil liability for stopping the infringement, and thus to bear the civil liability for the material and moral losses caused by Mr. He.

After mediation, the bank recognized its own mistakes and decided to update Mr. He’s personal credit information and was willing to pay 25,000 yuan. He also understood the bank’s fault and accepted compensation.

Insiders Weapons

Timely inquiry of personal credit information

Chengdu Business Daily reporter visited the Guangyuan Branch of the Sichuan Banking Regulatory Bureau yesterday. The director of the bureau, Yan Zhiyong, said that in recent years, the agency’s complaint about “the customer was 'bank loaned'” was zero, and the incident needs to be investigated. If it is true, it may be a cooperation agreement that some of the commercial banks share information sharing. At the same time, Yan Zhiyong stated that various commercial banks will require the customer to be present when they make loans. The inexplicable “loan” was obviously a case of non-compliance.

Yan Zhiyong stated that the bank involved in the case "is whether WangCang's postal savings bank still needs to investigate." Subsequently, Deng Dazhao, the person in charge of Guangyuan Postal Savings Bank, which is located in the Guangyuan Branch of the Sichuan Banking Regulatory Bureau, was contacted by Yan Zhiyong to the upstairs office to discuss the matter. Deng Dazhao said at the scene "will immediately investigate the matter."

"If the bank repays the loan in a timely manner and does not cause any damage to the customer's credit, is this fraudulent use of the customer information loan undiscoverable?" Yan Zhiyong said: "It may not be discovered." How can customers find such problems in a timely manner and how can they be handled? Many people in the industry in the scene stated that customers’ timely inquiry of personal credit information has a certain role in avoiding such situations.

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