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Deposit 13.8 million for two years. Where is the 13.8 million deposit that disappeared inexplicably

Li Zhengxue sued the bank for 13.8 million yuan because of the 'disappearance' of the bank card for three years.

Li Zhengxue told reporters that in June 2013, he handled a bank card to help Liu, vice president of Huining branch of Liaoyuan branch of Agricultural Bank of China, complete the deposit task.

"Liu said that this bank card is a lump sum deposit and withdrawal with a deposit period of three years. During this period, you can't withdraw money or report the loss." Li Zheng said that because he could not report the loss, he handed over his bank card to Liu for safekeeping at the suggestion of Liu. After that, Li Zhengxue saved money for this card through remittance, and a total of 13.8 million yuan was deposited successively.

In October 2015, Li Zhengxue heard rumors that Liu had committed a crime and fled. He went to the bank to check the bank card balance and found that there was only 73.89 yuan left in the bank card previously kept by Liu. Li Zhengxue believed that the bank should be responsible for its own losses, so he sued Liaoyuan branch of Agricultural Bank of China to Liaoyuan intermediate people's court for compensation.

After hearing, the court held that the Agricultural Bank of China did not keep bank cards for depositors, and could not determine that Liu's behavior of keeping bank cards for Li Zhengxue was the behavior of the bank, and rejected Li Zhengxue's claim.

During the trial of the case, Liaoyuan branch of Agricultural Bank of China submitted a set of evidence to the court that Li Zhengxue's bank card had multiple connections with Liu's suspected fund-raising fraud, and the card had multiple capital transactions with Liu's fund-raising fraud terminal card.

Liu was sentenced in July 2018 for committing the crime of fund-raising fraud, but Li Zhengxue and his bank account were not mentioned in the judgment of Liu's case.

Li Zhengxue obtained information and found that since 2015, other people besides him have remitted money to their bank card. Until the time of the crime, the funds withdrawn from the bank card had far exceeded 13.8 million yuan.

More strangely, according to the bank flow, most of Li Zhengxue's money was withdrawn by mobile bank transfer, but he had not opened this business before. Based on the above reasons, Li Zhengxue sued Liaoyuan branch of Agricultural Bank of China again with a new cause of action and value for compensation.

On December 9, a judge of Liaoyuan intermediate people's court said that the case was being filed for review.

After the incident, it became Li Zhengxue's daily duty to look through the case data.

13.8 million deposits inexplicably 'disappeared'

Hearing that Liu committed a crime and fled, Li Zhengxue was inexplicably nervous. His bank card of 13.8 million yuan was still in the hands of the vice president of the sub branch and kept by him on his behalf.

In October 2015, when Li Zhengxue went to the bank to check the account balance, he found that there was only 73.89 yuan left in the account. His legs were weak and he fainted in the bank hall.

Before the accident, Li Zhengxue handed over his bank card to Liu for more than two years. He told reporters that he and his mother Zhang Guifang did chemical fertilizer business in Liaoyuan City, Jilin Province, making a profit of at least 1 million yuan a year.

Around may 2013, relatives found Li Zhengxue's mother and hoped that she could apply for an ABC card to help Liu complete the deposit task.

According to Li Zheng's theory, at first his mother didn't agree because of too many bank accounts. Under the repeated persuasion of the other party, in June 2013, Zhang Guifang promised the other party to apply for an agricultural bank savings card under the name of his son Li Zhengxue. On June 24, Li Zhengxue deposited 1.4 million yuan in this savings card. In the following two years, he successively deposited more than 10 million yuan.

According to the bank flow provided by Li Zhengxue, he deposited 13.8 million yuan into the above-mentioned ABC savings card 32 times from June 2013 to October 2015. Li Zheng said that when he did business with his mother, he had a large flow of funds, and would deposit the remaining profits in the bank every once in a while. 'when handling the card, Liu told me that this card is a zero deposit and lump sum withdrawal. The deposit period is three years, and the interest is relatively high, but he can't withdraw the money in advance or report the loss.'

According to Li Zheng's theory, he deposited 1.4 million yuan for the first time. A few days later, he saved a few more money one after another. One day, Liu invited him to the office to receive gifts while he was saving money. Li Zhengxue remembered that after Liu gave him a bag of rice, he suggested to give her the bank card for safekeeping, 'she said she would help me store the card in the bank safe and return it to me when the deposit expires in three years, which is safer.'

"I don't think I can withdraw the money or report the loss within three years anyway. Liu was introduced by a relative and didn't know the password. It must be safer to put the bank card in the bank than to hold it myself, so I gave her the card." According to Li Zheng's theory, in the next two years, he has been saving money by remittance to his card with his bank card number, and he didn't find any abnormalities during this period.

It was not until October 2015 that Li Zhengxue suddenly heard rumors that Liu had committed a crime and fled to other places. At this time, he was a little flustered. After arriving at the bank, he found that almost all the money in his card had been taken away.

According to Li Zheng's theory, at the time of the incident, his wife was pregnant and a huge amount of deposit disappeared, so that if a family was struck by lightning, they found the bank and hoped that the other party would bear the liability for compensation and find out the whereabouts of the deposit, 'the bank couldn't believe it at the beginning and thought it was taken by ourselves. After the investigation, they found that this matter was related to Liu, but they thought it was Liu's personal behavior, It has nothing to do with the bank. "

After the claim was rejected, in early 2016, Li Zhengxue sued Liaoyuan branch of Agricultural Bank of China to Liaoyuan intermediate people's court, asking the bank to compensate all its losses. He didn't expect that for more than three years, litigation became the daily life of the whole family. Until his father died, they couldn't wait for the expected result.

In the transaction details of Li Zhengxue's bank card, most of the money is transferred out through telephone banking (zzdh).

The lawsuit against ABC was rejected twice

After the disappearance of a huge deposit of more than 10 million yuan, Li Zhengxue's litigation against ABC did not go smoothly.

On May 7, 2017, Liaoyuan intermediate people's court made a judgment of first instance. After trial, the court held that Li Zhengxue's bank card was handed over to Liu, which was a transaction between him and Liu, and had nothing to do with the bank. The evidence submitted by Li Zhengxue could not prove that his loss was caused by the illegal act or breach of contract of Liaoyuan branch of Agricultural Bank of China, even if Li Zhengxue's deposit was transferred out by Liu, The transfer is not related to Liu's position in the bank and does not belong to his position. Therefore, the bank is not responsible for Li Zhengxue's deposit loss. Liaoyuan intermediate people's court accordingly rejected Li Zhengxue's claim.

It is worth noting that during the trial of the case, Liaoyuan branch of Agricultural Bank of China once proposed that Li Zhengxue handed over his large savings card to unfamiliar people for long-term custody, which was not in line with common sense for more than two years. In addition, Liu is suspected of fund-raising fraud, which does not exclude Li Zhengxue and his relatives from participating in or assisting Liu in fund-raising fraud and maliciously suing the bank. Liaoyuan branch of Agricultural Bank of China also submitted five notices of assistance from Liaoyuan Public Security Bureau to the court to prove that Li Zhengxue's bank card has multiple connections with Liu's fund-raising fraud case, The card has multiple capital transactions with Liu's fund-raising fraud terminal card.

After the first instance judgment, Li Zhengxue appealed to Jilin high court against the judgment, requested to revoke the original judgment and sentenced Liaoyuan branch of Agricultural Bank of China to compensate for all his personal losses. After hearing, Jilin High Court made a ruling on September 26, 2017, rejecting the appeal and upholding the original judgment.

After the final judgment was pronounced, Li Zhengxue's litigation road did not end. In the next two years, he successively appealed to the Supreme People's court and the Supreme People's Procuratorate, but were rejected. Li Zheng said that during the appeal of the case, he also collected new evidence and materials, thus discovering some new problems.

The contract information shows that Li Zhengxue only opened the debit card business when opening the card.

The vice president involved has been sentenced for illegal fund-raising

Li Zheng said that he gave his bank card to Liu for safekeeping because of his trust in the position of vice president of his sub branch. What makes him unable to understand is that the facts determined by the court in the previous trial and the latest relevant evidence obtained by him show that most of the deposits in his bank card were transferred through telephone banking (zzdh), but he did not open this business when opening the card, 'if these transfers have nothing to do with Liu's job behavior, they can't be realized.'

Moreover, it is strange that in the transaction details list of Li Zhengxue's bank card, the amount withdrawn through telephone bank transfer is more than 15.81 million yuan, 'I saved only 13.8 million yuan, which is consistent with that determined by the court, but the transaction list shows that before the accident, other people besides me deposited more than 2 million yuan in more than 20 transactions to my card, The money was later transferred. "

Li Zhengxue suspected that after Liu took his bank card, he used the card as a transit account to carry out fund-raising fraud.

Li Zhengxue believes that from the existing evidence, after Liu took his bank card, the bank card successively transferred more than 15 million yuan through this channel without opening telephone banking, which is different from what he had previously mastered. It can not be said that the bank is not responsible.

When will the telephone bank of Li Zhengxue's bank card be opened, and whether the opening procedures comply with the relevant management regulations of the bank? On December 13, the reporter had verified the above issues with Liaoyuan branch of Agricultural Bank of China, but as of press time, there was no response.