In Hangzhou Yu Hang hits the boy A bell that go all out (alias) had lost id card, he goes police station report the loss of sth fills after handling id card, think do not have a thing. Cannot think of, last year in November, he thinks in Hangzhou loan buys a house, just discover somebody risks those who use him to lost Id to handle credit card, because exceed the time limit does not return money, bring about him to be pulled blacklist.
18 days, the reporter understands from court of district of villa of Hangzhou city arch, a Zhong sues the case of the bank to had nolled prosequi to seek individual credit, a bell hopeful restores his credit. But after A bell credence restores, did the person that can be you risked to use again get chance first?
The individual credence of party reports
Identity information is risked to use cannot call the police processing
There is a favourable turn eventually after sueing a bank
This year A Zhong of 32 years old, had never used credit card, he thinks his loan that buy a house applies for to be no problem for certain originally, did not think of blacklist of the credence on him meeting however.
He borrows money by refus hind, went to Chinese people bank examining individual credence to report rapidly, looked to report he was dumbfounded however.
The report shows, begin from April 16, 2017, to October 27, 2018, he shares 39 credit card to examine and approve, loan is examined and approve and assure the qualification examines and approve a record. Have twice among them, risk the person that use one day in in go to 3 different banks filing credit card, still having many loan borrow company application with the net.
In all credit card application, some subbranch of a bank is in branch of Hangzhou of smooth big bank and another Chinese Hangzhou of the bank respectively 2017 on April 20, will give on June 26 risked the person that use to extend credit card.
And A Zhong is recollected, he is on April 15, 2017 him discovery loses id card, returned native place police station on April 25, dealt with Id to hang estrangement to fill do procedure. He cannot think of, the credit card after Id report the loss of sth still can be dealt with.
The individual credence of party reports
At the same time the report shows, these two pieces of extending credit card owe more than yuan 13 thousand to was not returned in all, namely these two money, the credence that brings about A bell individual had spot. Will begin last year in November, a Zhong is taking this report to had called the police, but because evidence is too little, not by put on record.
Some subbranch of a bank communicates the Hangzhou of smooth big bank that he also has looked for to handle this credit card after this matter, but the bank also did not take seriously. But under, a Zhong is forced to go to Hangzhou court of arch villa district is sued, ask Guang Dayin cancels credit all right bad record, and claim for compensation 10 thousand yuan. Law case is in sessional on April 11 this year cognizance.
And after Guang Dayin receives forensic subpoena all right, begin to be investigated carefully. The evidence that provides when front courtyard careful according to the bank shows, the man in the picture that takes when conduction credit card is not A Zhong, but also be a young man, about follows likeness of part of A Zhong Que.
Bank discovery, should risk with the man big wide (alias) before the true identity information that uses oneself is in Guang Dayin has handled credit card all right. When Ju Dakuan risks Id of the bell that use A to handle credit card, left oneself real company going to work and mobile phone mark. But when the bank seeks this company, discovery is big wide leave his post already, this unit that Ju Dakuan once worked is next door A Zhong's unit.
Guang Dayin agrees to absolve A Zhong's credit card to owe all right, eliminate credit bad record. A Zhong Ye expresses, do not need to compensate for, want to borrow lawsuit to help his solve credit namely bad problem, agree to nolle prosequi.
Hopeful of credence of A bell individual restores
It is not easy that follow-up problem wants to solve
But after this, still a lot of problems are perplexing A Zhong.
Another Zhong Xin having A uses the bank of bad record, at present the reply says, the thing still is in investigation. This bank also promises to be able to remove bad record only before, but need A Zhongxian to still go up debt.
More those who make A Zhong disturbed is, risk the person that use still continueing to risk the information that uses him to apply for all sorts of nets to borrow, because A Zhong still can get these networks recently,borrow breath of post a letter say he applied for loan.
Although light is big,the staff member of the bank tells A Zhong when front courtyard careful, bad record eliminated the credit that wants him to be in two banks only, it is to won't affect what to him the following loan applies for. Ju Azhong can be passed whether successful application handles credit card, whether is the credence that will see oneself able to restore really.
Acting lawyer Shen Ye of Dan Azhong points out, because do not know what body of the other side is in where to risk the person that use, still borrow money in application now, after the credence of afraid instead A Zhong restores, go off with of the person that be risked to use first borrowed money.
Undertake Judge Cui of this case introduces, with respect to A Zhong current condition looks, outside sueing relevant bank or one by one to be communicated with the bank, without other what good also way will solve.
Current, judge Cui already decided, after ending with another bank bargaining in A Zhong, deliver this law case public security from the court. It is reported, according to the regulation, the case that such handover, public security wants processing of put on record.
Judge Cui says, if in the future A Zhong Youyin is risked to use generation to owe legal dispute for identity information, the evidence that the information of public security put on record, Guang Dayin provides all right, a Zhong Dou can be taken should appeal to as evidence.
