After the death of his mother, he left a huge inheritance, and office workers became rich in seconds, which is a common episode of cool articles on the Internet, but in 2015, such a story really happened to Liu Haibin in Jiangyin, Jiangsu.
Liu Haibin found a deposit slip of 6 million when sorting out his mother's relics, and as long as he got the money smoothly, his life would be turned upside down.
However, what Liu Haibin didn't expect was that this deposit receipt was not the key to open the ** house, but the beginning of falling into the thorn bush.
Liu Haibin, who lives in Jiangyin, Jiangsu Province, is the vice president of Jiangyin Rural Commercial Bank, and he joined the bank when he graduated in his early twenties.
Although he has the title of vice president, in this industry system, a brick can stun several vice presidents, and he is not an executive.
Fortunately, the income is stable, the parents have medical insurance, and the wife also has a stable job, and the family's life is not rich, but it is also considered a well-off level.
In 2013, Liu Haibin's mother was seriously ill, and the family tossed from Jiangyin to Shanghai.
At that time, Liu Haibin's heart was to treat his mother's illness, so he naturally didn't take his mother's words to heart. After more than half a year, his mother died, and Liu Haibin only thought about settling his mother's future, and he didn't have time to go back to get what his mother left behind.
After handling his mother's funeral, Liu Haibin took his father out of his hometown, and they never returned to the old house in their hometown after that, and they forgot all the wills that his mother had told him.
In 2015, Liu Haibin received an order from the company to work in the Sichuan branch. Although it is a flat adjustment, the conditions in Sichuan are much better than those in Jiangyin, and there is a lot of room for development.
Liu Haibin cherished this opportunity very much, but considering that it would be difficult to go back to Jiangyin after going to Sichuan, he decided to go to his mother's grave again before leaving, and take his father back to the old house by the way.
After returning to his hometown, the dusty memory was also opened, Liu Haibin sat on the bed where his mother slept before his death, and suddenly remembered what his mother said about the iron box under the bed.
Liu Haibin squatted down and found a box full of ash under the bed, and opened it to see that there was really an iron box in addition to some old things.
Liu Haibin opened the iron box curiously, and saw a yellowed paper inside, and after careful identification, he found that it was a deposit certificate of Jiangyin Rural Commercial Bank in 1994, and he looked at the amount of the deposit several times, and confirmed that it was 6 million and was excited.
My mother saved such a large sum of money in 1994, where did this money come from? Why didn't my mother say it until she was dying? After the surprise, Liu Haibin only had doubts left in his mind.
Then, he quickly showed the deposit slip to his father, who was also surprised when he read it, but then felt that there was something to follow. It turned out that Liu Haibin's mother used to be an accountant in a state-owned enterprise, and she often contacted the bank because of her work.
My father recalled that she ran to the ** exchange almost every day for a while, and her father judged that the money might have been earned by her mother**.
After listening to his father's analysis, Liu Haibin, who was still suspicious of the deposit receipt, completely relieved himself and decided that this deposit receipt must be true, and he was going to become rich overnight.
But at the same time, Liu Haibin also knows that this certificate of deposit has been around for some years, and if you want to withdraw money, you must go through a series of complicated procedures. In order to avoid running away, Liu Haibin found his old colleague and asked him if he could send a copy first, if there was no problem with the verification, then take the original to withdraw the money, the colleague said that this is not appropriate, after all, this kind of old accounts their branch may not have the authority to verify, and may have to report to the head office, so let Liu Haibin be sure to bring the original over.
Liu Haibin is busy going to Sichuan to work, so he can only entrust his wife to run these things. For this reason, he greeted his old colleague in advance and told his wife to go directly to that person the next day.
On April 28, 2015, after Liu Haibin went to Sichuan, his wife came to Jiangyin Rural Commercial Bank with the deposit certificate of 6 million yuan and met her husband's old colleague.
After the two exchanged a few words, Liu Haibin's wife took out the deposit slip and handed it to the other party. After receiving the deposit slip, the bank staff told her that more than 20 years had passed since the deposit slip, and it was impossible to withdraw cash immediately, and it needed to be verified, but it would take time to verify it, so she should not be in a hurry, and she would be notified as soon as there was news, and gave her a receipt that said that the original had been received.
Listening to what the other party said reasonably, coupled with the fact that Liu Haibin is also a bank staff, he knows that this kind of thing is not easy to verify, and there is no problem with the bank's reply, and there is no trace of suspicion.
However, he didn't think that there was no news after more than half a month, so Liu Haibin hurriedly asked his wife to go to the bank again to see what the situation was.
This time, Liu Haibin failed to meet the old colleague, an ordinary teller who received them, and the other party said that he knew about the 6 million deposit certificate, but after a detailed verification by the bank, no corresponding deposit records were found, and there was no trace of the relevant money, and the official seal and name seal on it were not clear enough, so it was judged that the deposit receipt was fake and could not be withdrawn.
What's even more strange is that the other party also told her that according to the bank's regulations, counterfeit money and fake deposit receipts must be destroyed according to the process. The whole meaning couldn't be more obvious, not only did you not give money, but you couldn't pay back the deposit certificate.
When his wife heard this, he immediately called Liu Haibin, and after receiving his wife, Liu Haibin rushed back to Jiangyin from Sichuan in a hurry, found his former colleagues and leaders to negotiate, and put forward a lot of verification clues.
However, the bank insisted that the money was not in any of the bank's books, and that they had not found any corresponding records until 1992, so the deposit certificate was fake.
Hearing what the bank said, Liu Haibin proposed that since he couldn't withdraw money, he hoped that the bank would return the deposit certificate to him. This is a relic of her mother, which she had been thinking about when she was seriously ill, but this request was also rejected by the bank on the grounds that it must be destroyed according to the regulations.
When the negotiation failed, Liu Haibin turned his face on the spot, and finally alarmed the police, and when he left, he put down his cruel words and asked the bank to give him an explanation. Subsequently, Liu Haibin hired a lawyer and sent a lawyer's letter to Jiangyin Rural Commercial Bank twice, asking for the deposit certificate.
However, before Liu Haibin could wait for any reply from the bank, the police sent his wife a notice of assistance in the investigation, which stated that the crime was suspected of financial fraud, and the plaintiff suddenly became a defendant, and Liu Haibin and his wife were even more puzzled when they were angry.
In this regard, Jiangyin Bank's explanation is that they suspect that this deposit certificate was forged by Liu Haibin, and the deposit time was 1994, when Liu Haibin was already working in the bank, how could he not know if his mother really came to deposit such a large amount of money.
In addition, they checked Liu Haibin's work authority in the bank at that time, and he had the ability and conditions to contact and obtain such a certificate of deposit, and Liu Haibin could also use the relevant official seal. Therefore, the bank suspected that the certificate of deposit was forged by Liu Haibin at that time.
On the other hand, the interest on the deposit on the certificate of deposit is 10%, which is completely round interest in the bank, and the file records show that the interest rate for the year was 13Around 7%.
Finally, in 1992 banks had introduced electronic certificates of deposit, which had been discontinued. Therefore, based on all the evidence, the bank judged that the deposit certificate provided by Liu Haibin was fake, but Liu Haibin insisted that the deposit certificate was and asked them to cash it, so the bank suspected that they were suspected of financial fraud.
Liu Haibin has worked in this bank for more than 20 years, and the other party is not merciful at all, not only did not return the deposit certificate but also sued him.
However, what Liu Haibin never expected was that after he returned to Sichuan, the person in charge of Jiangyin Rural Commercial Bank talked to him again, hoping that he could correctly understand the problem.
What's even more annoying is that it didn't take long for Liu Haibin to receive another job transfer notice, and he was assigned to the next-level branch and transferred from the city to the county seat.
Liu Haibin didn't expect the unit to target him because of this incident, so he simply resigned in anger and returned to Jiangyin to start a lawsuit.
Since then, for more than two years, Jiangyin ** has not made substantial progress in the investigation of the case, and the human and physical evidence has not been able to form a complete chain of evidence. As a last resort, I had to turn to the Appraisal Center of Southwest University of Political Science and Law for comparative appraisal.
The results of the examination showed that the year of the handwriting and the seal information could not be determined, and the seal on the certificate of deposit did not match the sample provided by the bank. Therefore, the certificate of deposit could neither prove that Liu Haibin's mother had a deposit of 6 million yuan, nor could it prove that Liu Haibin and his wife had committed financial fraud.
After several tugging, ** withdrew the case of suspected financial fraud against Liu Haibin's wife in 2017, but at the same time filed a case against Jiangyin Rural Commercial Bank on suspicion of financial fraud. In other words, Liu Haibin and his wife are no longer suspected of criminal cases, but they are still the key people in this case.
* After changing the direction of the case, Liu Haibin filed a lawsuit against Jiangyin Rural Commercial Bank again, but the court rejected his application on the grounds that the deposit certificate was still kept in the hands of ** as key evidence, and the case still involved criminal proceedings and could not be filed at the same time.
That is to say, as long as the bank does not withdraw the case, ** will have to continue to investigate, and Liu Haibin can only wait and have no other way. In desperation, Liu Haibin could only compromise, and the result was another two years.
In 2019, ** officially withdrew the report of the fraud of the Rural Commercial Bank on the grounds that no compulsory measures were taken against the criminal suspect and the case had passed the two-year retrospective period, and the matter was closed again.
At this time, Liu Haibin would never agree. The more the bank chased this deposit certificate like this, the more he thought that the deposit certificate was real, and he also got confirmation from many of his mother's old colleagues about his mother's affairs, which means that his mother was likely to really make a lot of money from ** back then.
In May 2019, Liu Haibin formally filed a lawsuit against Jiangyin Rural Commercial Bank, this time his appeal was no longer to return the certificate of deposit, but to require the bank to cash in the deposit of 6 million yuan and interest of more than 2 million.
The reason he gave this time was that both paper and electronic certificates of deposit were triad, and the bank only needed to find two or three copies to prove that the deposit was genuine.
In this regard, the bank issued a statement stating that it had not found the deposit certificate and that there was no deposit in the account books. At the same time, the bank produced a series of evidence, including the original account books in 1994, dividends, interest and other data in the bulletin of that year, and all kinds of data could prove that the information of the 6 million deposit certificate was inconsistent with the facts.
In the face of the bank's ironclad evidence, Liu Haibin's empty words and white teeth did not seem to have any strength, and in the end, the court still chose to believe the bank and ruled that Liu Haibin lost the lawsuit, not only did he not get the inheritance of 6 million, but also had to pay a total of more than 70,000 yuan in litigation fees and lawyer fees.
For this result, Liu Haibin naturally can't accept it, he has lost his job in the past six years, he has been pointed at behind his back, and his wife has even been charged with being a suspect for two years, so it can't be simply counted.
The most important thing is that he has always wondered why his mother repeatedly mentioned it when she was dying, if the deposit certificate was fake, or what happened back then that he didn't know.
In order to find out the truth, Liu Haibin embarked on the road of rights protection appeal again, and in 2021, he directly sued the procuratorate.
Now more than two years have passed, there is still no clear result on this deposit certificate, and Liu Haibin himself has not found new evidence, this huge inheritance full of doubts has indeed changed Liu Haibin's life, but it did not make him rich overnight but made him fall into a fog.