標題: in fact [打印本頁] 作者: di38h5q9c9 時間: 2015-4-9 12:37 標題: in fact (Reporter Sun Siya) Europe meteorite Minsheng Bank overdraft 60,000 yuan credit card is not yet, I did not expect debt snowball getting bigger, in three years, he has a 12 million yuan,christian louboutin homme, also owed the bank 7 million yuan principal and overdue fines. Yesterday, reporters learned, Europe meteorite because of credit card fraud jailed for two years and was fined 20,000 yuan. And he believes the late fee is charged King terms, respectively, had sued the bank and the CBRC, at present, unknown and his lawsuit results CBRC.
42-year-old meteorite Europe Hunan, college culture, is the country's high-tech industry, former deputy director of the Strategic Research Collaboration (this organization is the former State Science and Technology led by nine ministries,air max outlet, to promote the establishment of high-tech industries agency),http://121.40.191.29/forum.php?mod=viewthread&tid=36408, a monthly salary of 3,hollister outlet,000 yuan.
October 2006, the European meteorite handled Minsheng Bank credit card, overdraft has more than 60,000 yuan. November 2008, the EU fails to repay meteorite situation began to appear. As of the incident, overdrafts has turned three times in succession but also the 12 million yuan, still owed more than 70,000 yuan. In August last year, Minsheng Bank report, Europe meteorite was arrested.
Europe meteorite thought he handled the credit card and cash flow for daily consumption units, not the possession of personal malice. In addition, the European meteorite believed that he had a stable job and income, and when negotiating with the bank showed a strong willingness and ability to repay,http://www.0938zjc.com/home.php?mod=space&uid=17604, and malicious overdraft who are essentially different.
It is reported that after the incident, the families have for the balance of his restitution.
After the Court of first and second instance, the Court of Final Appeal found a European meteorite multiple overdraft and cash and overdraft of $ 20,000 principal amount not yet. The judge said that more than 20,000 yuan, in addition to interest and late fees have planed that included more than 70,000 yuan owed about $ 50,000 in interest and late fees.
In addition, the court finds, Europe meteorite is still wide release, Pudong Development, CITIC Bank and Bank of China to handle a credit card, overdraft total of 3 million yuan. This four banks have repeatedly Dunning and Europe meteorite three months overdue payments yet.
The judge said that after the loss of ability to repay the European meteorite, did not stop the overdraft, and be prevarication collection at the Minsheng Bank, refused to repay the money, the subjective intent of credit card fraud.
Europe meteorite insisted that the court sentencing overweight. He said that they have the right to appeal, will be activist in the end. Europe meteorite that he had to pay a heavy price,http://xiaotw.com/forum.php?mod=viewthread&tid=25046, the decision will be in the end the lawsuit, I hope to attract attention of the society and the advancement of the law.
& Gt; & gt; arrears
Lack of project funding units overdraft 60000
Last year in June, the reporter saw Europe meteorite, he still freedom of the body.
"Credit card,louboutin soldes, in fact, is very fortuitous decision," said European meteorite, 2006, the bank's staff to his office to sell credit card. At the time of repayment of the card, the minimum repayment amount is 10 percent, followed by "How much further can be overdrawn." Europe meteorite heart bid therefore the card.
After that, the bank has gradually increased in Europe meteorite credit limit.
2008, the European agency serving meteorite lack of project funds, he would think of overdraft credit card solve the pressing units. Unexpectedly Difficult because the project, Europe meteorite overdraft 60,000 yuan full quilt.
Unfortunately, in November 2008, Minsheng Bank to adjust the repayment, cancel the cycle with a credit card the way before the European meteorite individuals caught in the credit crunch. He could not make use of overdraft repayment cycle.
After more than three months overdue for repayment is not,http://www.hnwugang.com/home.php?mod=space&uid=4097, Minsheng Bank began to stop Europe meteorite collection. After six months overdue, Europe meteorite's name on the list of central bank credit overdue repayment more difficult road.
December 2009, the European meteorites have also 120,000, still owed more than 70,000 yuan. At the same time, he received the ultimatum Minsheng Bank, as we do not pay off, the bank will resolved through legal channels.
& Gt; & gt; litigation
V. Bank of China Banking Regulatory Commission reported after losing
In February last year that the bank fees are unreasonable, Europe meteorite waive repayment, the Minsheng Bank Credit Card Center prosecution.
Europe meteorite that do card when staff did not inform the penalty and late fees and other information, "contributions to this letter" does not set out the principal, interest and compound interest, late fees and other expenses, Minsheng Bank charged late fees unreasonable, unlawful . He also believes that, according to the supreme law "On the possibility of a credit card overdraft interest compounding issue approved" credit card overdraft interest should not be compounded. Europe meteorite sued ordered revocation of the original "contributions this letter."
Banks that recipients have expressly agreed repayment contract matters, and compounded daily interest rates and late fees charged five ten thousandths, in accordance with relevant provisions, "the bank card business management approach".
Last May,http://www.reedone.cn/bbs/home.php?mod=space&uid=29791, the European meteorite Fengtai Court rejected appeals. The court held that, after the European meteorite signature confirmation on the credit card contract recipients, they should be about their obligations, bank debt collection inappropriate. Europe meteorite appeal, but the second trial was dismissed.
The respondent and the court Minsheng Bank, bank card charter is approved by China Banking Regulatory Commission, the European meteorite came CBRC complaint. He believes that there are loopholes in the bank when the China Banking Regulatory Commission approved the constitution, does not meet the spirit of the legislation commercial bank law.
Europe meteorite complaint was ruled inadmissible CBRC, which once again came to court to court, the defendant into the CBRC.
Europe meteorite believed CBRC approved credit statute, are provisions of the King, his request CBRC accept its judgment application for administrative reconsideration. Last June, the City Court trial case. China Banking Regulatory Commission, said the EU has been more than 60 days meteorite period of time for reconsideration. The case is pending.
& Gt; & gt; lawyer
Bank charges in question
Reporters learned that the bank's repayment is prorated,http://www.ptlfw.com/forum.php?mod=viewthread&tid=260714, if not full repayment, banks will daily five ten thousandths interest rates, and the full interest, compound interest. The judge said the huge meteorite overdraft Europe, because he did not repay on time, and tried to use the minimum amount of circulating overdraft, will inevitably lead to "snowball getting bigger."
Dr. Jin Rongxue of Renmin University Liu Lin said the lawyer, charging compound interest basis and cardholder bank card signed collar contracts, which the supreme law of judicial interpretation conflict. Liu Lin said that in 1996 the supreme law of judicial interpretation of the calculation method makes provision for credit card overdraft interest, overdraft interest should no longer produce compounded.
Liu Lin said that the behavior of late fees charged by banks is also debatable. "Under the existing penalty fines is the premise of re-calculated suspected repeat punished." He believes that the bank "international practice" as an excuse to close the full penalty is also untenable.
Lawyer Ding marine proposed bank should make this obligation, because many cardholders cultural or professional knowledge is limited, can not fully understand the overdraft interest calculation method, compound interest and so on.
Reporters noted that the current ICBC has canceled the full penalty.
Microblogging Recommended | today's hot microblogging (edit: SN047)