Depositor Wu Jun is in before one’s death bank deposit 10 thousand yuan, family is in the ability after its die suddenly 8 years discovered deposit receipt accidentally, be informed by the bank however this money is early already was gotten by report the loss of sth before 3 years, and the person of conduction formalities is the Wu Jun that has died 5 years at that time unexpectedly!

Deposit disappears without trace, it is the responsibility of the bank, be still the responsibility of depositor? Who should be in charge of for this? Recently, careful of court of Xuzhou copper hill writtened guarantee this removes issue of special deposit deposit contract.

Core clew

10 thousand yuan of deposit disappear without trace

Wu Jun dies suddenly before 8 years. This year in Feburary, its family shows deposit receipt to some bank, ask the Wu Jun that get was put in 10 thousand yuan of deposit of this bank in August 2001. But, the bank tells Wu Jun’s family however,chocolate ugg boots, this deposit has been gotten.

Is this after all how one and the same? Be who got this money after all? It is under these interrogation, need pullbacks time 2001 –

August 2001, wu Jun in Xuzhou some bank put 10 thousand yuan of money, put period for 1 year, annual interest rate is 2.25% . After 4 months, a traffic accident of arise suddenly divested the life of Wu Jun’s couple, leave 3 children that are not worth 10 years old. When clearing away parental hangover, everybody did not discover 3 children Zhang Cun is then odd.

Those 10 thousand yuan of deposit lie in the bank nearly 5 years silently. In August 2006 a day of the portion, one each says the person that is Wu Jun will deal with report the loss of sth formalities of Qing Dynasty door, received that deposit.

This year Feburary, discovered this deposit receipt inadvertently when Wu Jun’s children, until the bank prepares to take money, the answer of the bank makes them astonied. Be Wu Jun ” rise again ” ? How is this likely? Bank to confirm all these, still showed the basis that deals with report the loss of sth to take a money at that time — photocopy of booklet of registered residence.

Wu Jun’s family undertakes checking rapidly, this ability discovers flaw: Original, the information of the account on this photocopy and actual booklet of registered residence and Id is conflicting. Very apparent, this money is given falsely claim as one’s own by others.

“The bank deals with report the loss of sth to take paragraph formalities, undertake checkup to photocopy of booklet of registered residence only,Ugg New Short, check without the requirement Id, also did not examine true identity of the applicant strictly. ” Wu Jun’s family thinks the bank wants to be in charge of by falsely claim as one’s own for deposit. 3 children of Wu Jun, the to lodge a complaint of court of identity Xiang Tongshan with Wu Jun heir, some bank pays requirement the accused deposit principal 10 thousand yuan reach corresponding accrual.

Are 10 thousand how by falsely claim as one’s own?

On the court, wu Jun’s children people launched a debate with respect to negligence liability with the bank.

Above all, wu Jun’s children people think father had died at traffic accident 2001, formalities of report the loss of sth was dealt with far from possibly 2006, it is sham Wu Jun got somebody to deposit money apparently. Then, still offerred Wu Jun’s death to prove to the court. The bank did not disagree to this.

Wu Jun’s children people say again, through him Wu Jun actual booklet of registered residence is reached originate of the bank, the photocopy of booklet of registered residence when doing report the loss of sth to apply for undertakes contrast,blue ugg boots The Sisterhood of the Traveling Pan, the information that can see record of these two booklet of registered residence is in respect of a date, letterhead is abhorrent, the booklet of registered residence that explains person of falsely claim as one’s own is offerred is false, the accused shoud be able to discover booklet of registered residence is false quite, but still dealt with formalities extraction a money to person of falsely claim as one’s own, existence weighs big error.

Bank argue says, wu Jun ever opened an account really in its savings bank dealt with increase close deposit receipt. August 2006, when formalities of report the loss of sth of ground of different of conduction deposit receipt, the bank is strict already according to ” deposit regulation ” formulary requirement applicant provides number of deposit receipt Zhang, put period, amount, password and identification. According to the relevant provision of Chinese people bank, booklet of registered residence just cannot serve as again after August 19, 2008 open an account the identification that reachs report the loss of sth to wait, and the booklet of registered residence before this is the identification file that accords with a regulation. And ” Wu Jun ” just is the procedure of report the loss of sth that does before date here.

At that time the checkup to booklet of registered residence, the bank has the essence of compulsory and rather than that the form examines to examine only. The number that the booklet of registered residence that applicant of the report the loss of sth in this case offers stores in medium Id number and bank computer is consistent,UGG KnightsBridge 15 years old of girls are beaten, show the bank has been used up examine obligation. Accordingly,ugg boots, the bank is nonexistent any error.

Nevertheless, the court is found out, august 2006, when the bank is dealing with formalities of report the loss of sth, on requisition of report the loss of sth ” applicant certificate name ” the basis of report the loss of sth that fills in inside column is Id, but the identification of actual collection is the bank photocopy of booklet of registered residence, and classics comparing is right, the information of the original account that this photocopy and person of Home Wu Jun offer is in respect of a date, letterhead all abhorrent.

The bank is sentenced to bear 70% responsibility

Recently, cognizance of classics of court of people of cupreous hill county thinks, wu Jun stocks 10 thousand yuan the savings bank of the accused, both sides should be fulfilled with respect to contract obligation careful, confidential wait for obligation. The accused ought to appropriate keeps accuser deposits money, strict according to sets conduction report the loss of sth, procedures extraction a money. Wu Jun ought to appropriate is custodial the important information such as deposit receipt and Zhang date, password.

In this case, when the accused is dealing with the formalities such as report the loss of sth, the Id of applicant of not actual examine and verify, however photocopy of only collection booklet of registered residence, and the true identity that fails to check applicant of report the loss of sth effectively to reach person extraction a money, reason the accused did not use up obligation of examine and verify, cause deposit by other falsely claim as one’s own, the agree carries the responsibility of 70% . And Wu Jun is when deposit obligate password, and this deposit by other date of deposit receipt Zhang and obligate code also were used when falsely claim as one’s own, the custodial existence of apparent Wu Jun to the information of significant bank savings such as Zhang date, password error, the loss agree that is caused by falsely claim as one’s own to deposit carries the responsibility of 30% .

Forensic court decision, the accused bank pays Wu Jun heir deposit capital reachs corresponding accrual 7000 yuan,ugg new short 32 years old of plute indulge gamble, reject accuser other suit request. (Article go-between content all is alias) reporter Zhou Yuan 3 water

Mark of Xing of wall bulletin reporter is strong

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