In this era of developed networks, there are fewer and fewer people who use cash, and they have to prevent thieves at home, for the sake of insurance, most people will choose to deposit money in the bank, but is the bank really insured? Mr. Zhao from Luohe City, Henan Province, was very disappointed in the bank because of the 2 million inheritance left by his father in the bank, because after the old man died, the bank did not admit the account, and the last reason was: "There is no proof of death"!
Before Mr. Zhao's father died, he called his son to his side, and gave him a bank deposit certificate that looked old, Mr. Zhao did not expect that his father still had this money, opened it, and was even more shocked, the amount on it was as high as 400,000, which is a huge amount of money, and the father also saved this money for a fixed term, the term is 20 years, and when the deadline is up, there can be 2 million with interest, and the father clearly explained that this inheritance is to provide for the mother.
Soon after, Mr. Zhao's father passed away, but Mr. Zhao did not immediately go to the bank to withdraw the money because it was set at a 20-year term. The expiration date is 2015, and if you take it out in advance, the interest will be much less, so it is not cost-effective, so I kept this document, and out of trust in my father, Mr. Zhao did not go to the bank to verify.
Later, after the time of the document arrived, Mr. Zhao took the document to the bank, asked to take out the money, after arriving at the bank, Mr. Zhao handed over the document to the staff, and explained his intention, the bank staff looked, it was actually a document 20 years ago, such a document, usually rare, can not deal with it, so he found the leader of the bank.
Because of the age, and the amount is relatively large, the bank could not hand over the money to Mr. Zhao for a while, and it was necessary to check it before it could deal with the matter.
20 years ago, the network was not developed, even if it was a bank, the deposits were manually recorded, it was very troublesome to check, Mr. Zhao did not urge the bank, thinking that after the bank found out, he would definitely contact himself, and so on was a month, Mr. Zhao did not receive a response from the bank, so he came to the bank again.
After coming to the bank, Mr. Zhao was invited to a special office, and Mr. Zhao asked himself to get the money in the future, but the bank staff said that the bank had made many adjustments during the past 20 years, and the previous manual deposit receipt had not been found for the time being.
At this time, Mr. Zhao is still convinced of the words of the bank employees, and has a high degree of trust in the bank, after all, this certificate of deposit has been 20 years, and the deposit of 400,000 yuan at that time was a huge amount of money, and now the principal plus interest has been 2 million, even now, this is a large amount, and it is understandable that the bank should be cautious.
But what Mr. Zhao didn't expect was that after coming to the superior bank, the staff first asked him to wait in the office, and then took Mr. Zhao's documents, thinking that he could finally take out the money this time, but it was not the staff who took the money, but the comrades of the 2 people's police, and then Mr. Zhao was taken to the police station.
It turned out that the bank called the police, because the person in charge of the bank felt that Mr. Zhao's deposit certificate was fake, and Mr. Zhao also came to withdraw money repeatedly, and the person in charge of the bank felt that Mr. Zhao was here to defraud, and Mr. Zhao was furious at that time, how could the documents given to him by his father be fake?
Mr. Zhao also said that his father would never make such a joke with himself, after all, if this is fake, then what awaits him must be a prison sentence, Mr. Zhao and his father have always gotten along very well, and there is usually no contradiction, there is no need for the father to pit his own son like this, all the fathers handed over this document to Mr. Zhao before his death, Mr. Zhao did not have any suspicions, and he came to withdraw the money directly after the expiration.
In the police station, the police questioned Mr. Zhao, Mr. Zhao was always very calm, but the police could not distinguish the authenticity of the deposit slip, this matter had to be solved by the bank and Mr. Zhao himself, after negotiation, Mr. Zhao was also released, but he did not compromise on this, but prepared some notarization materials, found the local bank again, asked to take out the money, since the bank determined that this document is fake, naturally will not give a penny to Mr. Zhao, and also reported to the police again.
After arriving at the police station, the two sides are still deadlocked, the son was sent to the police station for 2 withdrawals, Mr. Zhao's mother was also angry, and even asked the bank to reason, but the bank's attitude has been very resolute, the pension money has not been withdrawn, and then Mr. Zhao's mother also died of depression, and his father left his mother's pension money, but because of the bank's laipi, his mother did not see a penny until he died, and Mr. Zhao also lost patience and sued the bank directly to the court.
In the court, the bank stated the reasons for not cashing in to Mr. Zhao, that is, these reasons, which made them feel that the document was fake, and refused to exchange it for Mr. Zhao anyway, and these reasons, in Mr. Zhao's view, were the bank's excuses for the purpose of embezzling his father's inheritance.
The first reason is that this document has been placed for many years, and the seal is completely unclear, and it is impossible to identify whether it is the bank's seal, and the bank said that the edges of the seals used by the bank 20 years ago were hollow, but the edges of the seals on Mr. Zhao's deposit slip were solid.
The second reason was that the person who handled the deposit was an employee of the bank, Mr. Yang, but the signature on the deposit receipt was not Mr. Yang, which was inconsistent with the bank's regulations, and the bank felt that there was reason to suspect that Mr. Zhao's document was forged.
The third reason is that banks have regulations on the term of fixed deposits, and now the maximum term of fixed deposits is 5 years, and fixed deposits of more than 8 years have long been gone, let alone 20 years of fixed deposits.
The fourth reason is that the interest on Mr. Zhao's certificate of deposit is really outrageously high, and it is rare for the bank's annualized rate to exceed 4%, but the interest on the 400,000 yuan deposited by Mr. Zhao in the bank 20 years ago is as high as 171%, all 20 years later, the original 400,000 has now become more than 2 million.
According to the information on the certificate of deposit, it was shown that it was processed in January 1995, and the bank said that this form of certificate of deposit had only been used since April 1996, which was obviously incorrect.
It is for these reasons that the bank always firmly believes that Mr. Zhao's document is fake, and when looking for the bottom list, there is no information about Mr. Zhao's bottom sheet, the bank determined that Mr. Zhao just wanted to cheat money, and Mr. Zhao definitely did not agree with the bank's statement, and asked for the seal used back then to be compared.
But the bank couldn't take it out, saying that it was because it was too long, these seals were lost, and Mr. Zhao still wanted to find the employee who handled the business back then, but the bank also said that he couldn't find it, that is to say, the bank said so much, without those seals, and he couldn't find the person who handled the business at the beginning.
Even if it goes to the court, the court can't confirm who said it is true, Mr. Zhao only has a deposit certificate, the bank does not recognize it, he has no way, the two sides dispute, in fact, Mr. Zhao's family conditions are not bad, and he is not a person who is short of money, this approach of the bank really makes him unacceptable, so he has been entangled in this matter, and he is bound to get back the money that belongs to them for his father and mother.
But because both sides have not been able to come up with strong proof, the court has not been able to give a decision, in fact, the bank's system is still very rigorous, normally speaking, this kind of thing should not happen, if because of the long time deposited, the bank can not find a record, the money will be lost, no matter who can not accept it, lose the trust of the people, who dares to deposit money in it, what do you think about this?