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Lead:
In 2014, a high-profile brawl at a bank in Xinxiang, Henan Province, drew customers to wait and see. A young man angrily argues with the staff, arousing everyone's curiosity. Everyone found an incredible thing in his words. It turned out that the bank took the young man's late father to court, claiming that he had taken out a loan of 50,000 yuan in 2013, but had not repaid it on time.
Up to now, 27,000 yuan of interest has been owed. However, what is even more bizarre is that the young man's father died as early as 2011!
Banks collect debts from deceased elderly people
In 2011, a small village in Xinxiang, Henan Province, was shrouded in grief and cried to the sky. On that day, Uncle Li, who had supported the Li family for decades, passed away forever. Uncle Li is an honest rural man, although he has little education, he is very hardworking and capable.
In his twenties, he met his wife Aunt Dou through the introduction of a friend, and the two of them supported each other through decades of ups and downs.
With their joint efforts, life at home got better and better, and his son Wang Wei was not only admitted to university, but also found a good job in the city and formed his own happy small family.
However, accidents always came suddenly, and Uncle Li suddenly contracted a serious illness and passed away. His death hit her family hard, especially Aunt Dou, who felt that the whole sky was falling, crying sadly every day, and her eyes were swollen with tears.
However, life and death are impermanent, and no amount of sadness can change reality. The Li family strongly organized Uncle Li's funeral and sent him the last ride.
Only those who have personally experienced the death of a loved one can understand how deep this pain is, and even no amount of comfort can soothe the reluctance and pain in their hearts, and can only slowly subside over time.
After the funeral, the family slowly accepted the fact that Uncle Li had passed away, and cheered up to continue living a good life. As time passed, the family's life gradually calmed down, and Aunt Dou took care of the family's old house alone, busy with farm work every day, raising chickens, visiting doors to chat, and her mood gradually improved.
However, she never imagined that this peaceful life would be shattered one day in 2014.
On that day, a local bank took them to court for defaulting on their loans.
When she received the court summons, Aunt Dou's whole body was at a loss, and her mind was full of question marks. She and Uncle Li have obviously worked hard all their lives to earn money, have always lived very frugally, and have never fallen into the trap of young people's early consumption, let alone get loans!
Aunt Dou began to suspect that the court had made a mistake, but no matter how many times she read it, the summons clearly said: Li Tangcheng applied for a loan of 50,000 yuan at the bank, but he has not repaid it on time, and the arrears plus interest have reached 27,000 yuan.
The bank issued an ultimatum, saying: If the arrears and interest are not returned, the bank will put them on the list of untrustworthy, and take legal action to go to court with the Li family!
For ordinary people, being accused in court is a big deal, and for Aunt Dou, she is even more frightened. Moreover, although she is not very experienced, she also knows that being included in the list of dishonest will have serious consequences. It is said that in addition to restricting consumption, banning flying and high-speed rail may even affect children's future entrance examinations for graduate school and civil service examinations. Although restricted consumption is not a big deal, she has always lived a frugal life anyway, and she is not willing to spend a lot of money to consume.
But if it affects the children's future, then she can't stand it.
Before his wife died, he still wanted to see the birth of his grandchildren, and now that he has been dead for many years, if he knows that his grandchildren are affected because of his affairs, I am afraid he will not be able to blind his eyes, right? Aunt Dou decided that she couldn't sit idly by and had to figure out what was going on.
You can't let the old man die with this black pot on his back. Therefore, she quickly called back her son Wang Wei, who worked in the city.
When Wang Wei heard that the bank was going to collect debts from his deceased father, he couldn't help but shiver. He hurried home and took the court summons to check it.
However, the information on the subpoena made him feel wrong. It clearly says that the loan was processed in 2013. In 2013! At that time, his father had been dead for two years, how could he go to the bank to get a loan?
This discovery made Wang Wei and Aunt Dou speculate that the bank had made a mistake, and the person who handled the loan was not the deceased Grandpa Li, but another person with the same name and surname. However, they soon found themselves thinking too simply. This loan really hung in the name of the late Grandpa Li.
In order to find out the ins and outs of this loan, Wang Wei decided to go to the bank to find out the details.
At the bank, Wang Wei waited in line like an ordinary customer and then sat in front of the teller.
The teller smiled and asked, "Hello, what business do you need to handle?" Wang Wei handed the teller his and his father's documents and said, "Please help me check if my father has applied for any loans." ”
Teller is not surprising, as many older people do not know much about banking and are handled by their children. She skillfully looked up Grandpa Li's customer information and described the situation to Wang Wei: "According to records, your father Li Tangcheng has a loan of 50,000 yuan in his name. Since the loan was processed, he has not repaid it on time, and the accumulated interest has exceeded 27,000 yuan.
It is recommended that you repay the principal and interest as soon as possible, otherwise you will be included in the list of dishonest. ”
Hearing the words that were almost identical to those on the court summons, Wang Wei's heart sank. Everything is not wrong! This money really hung in the name of the late father!
Wang Wei's face became ugly, and he barely controlled his anger and said to the teller: "Please check again when this loan was processed." ”
The teller glanced at it and replied: "According to the system, the loan was applied for and successfully processed by your father in 2013." ”
As soon as Wang Wei heard about 2013, his anger instantly exploded, and he angrily patted the counter and asked: "My father died in 2011!"
Explain to me how he was able to get a loan from the bank two years after his death! ”
"Are you crazy? Or is your business scope so wide that even the Tiandi Bank is under its control! ”
Wang Wei suddenly frightened the teller with a loud question, and the others in the bank also turned their eyes. Wang Wei asked the bank for a reasonable explanation, and other customers were also surprised by the incident, and many even put aside their own affairs and gathered around to find out what happened.
After receiving the notice, the bank manager hurried over and took Wang Wei to the conference room. In the conference room, Wang Wei patiently explained the whole matter to the bank manager and asked for a reasonable explanation and solution.
However, he never expected that the bank manager would insist that the bank's operation was legal and compliant, and asked them if any relatives or friends had stolen the documents of the deceased old man and deceived them when the bank applied for a loan.
This question made Wang Wei's heart tighten, after all, such a situation is also possible. So he offered to look at the loan contract to see if he could find a clue in it.
The bank manager was very cooperative and quickly handed over the contract to Wang Wei. Wang Wei opened the contract and looked at it, and sure enough, he found something abnormal. It turned out that this loan was not applied for by Grandpa Li, and his name was written in the guarantor column.