Mr. Song got a sum of money because of the demolition of the house."Huge sums of money"4.1 million, and because of his father's suggestion, he deposited the demolition money in the bank to get interest.
A year later,Mr. Song went to the bank to withdraw the money, but was told that the money could not be withdrawn?
——Case Review]—
The land owned by Mr. Song's family was divided into demolition sites.
As a result, the family got a demolition fee of four or five million, and after using the money to buy a house and renovate it, and then get the children to go to school, they were worried about what to do with the rest of the money.
At the suggestion of his father, he deposited the 4.1 million in the bank.
When going to the bank counter to make a withdrawal,In the end, only one year's interest was withdrawn, totaling 180,000 yuan
Mr. Song was puzzled and went to the staff to solve his doubts, but I was told that the deposit could not be withdrawn, and I could only wait another year to withdraw it.
Furious, Mr. Song approached the bank and asked for an explanation.
I said that I would take it out after a yearBut now that they have been told that they have to wait another year, don't banks have the obligation to inform customers?
A "huge amount of money" put in the bank Who is spent, and what is the whole picture of the matter?
This is a very ordinary outfit wearing a white hat and a white shirt, but unexpectedly, the demolition money through the demolition has already realized the dream of lying flat in modern society.
Breaking away from the fast-paced society, it can be said that the cause of the "overnight rich" thing has to start from the beginning.
Because he was in the key position of the demolition, Mr. Zhu was just in time for the demolition and received a "huge sum".
Although he became rich overnight, Mr. Zhu did not act as a "nouveau riche", but was ready to deposit the money in the bank.
Mr. Song often follows the news, so sometimes he sees some small banks not being able to bear the blow of economic changes, which affects depositors' moneySo I chose a bank with a high level of trust
Mr. Song came to the bank with 4.1 million yuan of demolition money to prepare for deposit business.
When the salesman received Mr. Song, when he learned that he was going to deposit 4.1 millionimmediately smiled, and then took Mr. Song to the reception room and delivered the service intimately.
He also told Mr. Song that the amount of business was too large, so he became a VIP customer of the bank, and all the business in the bank could be handled as an agent.
Mr. Song focused on the bankThis money was stored here for a year, and when the time came, I was going to take it, and the salesman was full of promises at that time
Immediately brought some documents, and Mr. Song, because of his inner trust in the bank, did not look at them carefully, but waved his hand and signed the documents.
In this year, Mr. Song's life is very comfortable, think about it carefully, the year has come, it is time to go to the bank to withdraw the money.
And I want to put an end to this lying flat life for a whileUse the money to start a small business or something
The next day, I came to the bank and was about to withdraw the money, but unexpectedly, the work of withdrawing money that I thought was quite simple suddenly became unpredictable.
It was at this time that Mr. Song knew that he could only take out a total of 180,000 yuan from his account, which Mr. Song thought was incredible
Obviously, I haven't withdrawn money from my account this year, but I want to withdraw it with interest after a year.
But now that he was told that he only had 180,000 yuan left, he was stunned and panicked for a moment.
I was relieved and thought that this shouldn't happen to the big banksAre even the big banks unreliable now?
No, I'll have to ask, yes! I want them to give me an explanation.
Mr. Song confronted the teller at the counter, and the teller told him, it's not that I don't want to withdraw the money for you, it's that the deposit is automatically transferred out, and if you want to withdraw the money, you can only wait another year.
3. The truth is revealed
Mr. Song said that he had no idea about this, what is the meaning of being automatically transferred out for a year?
What does it mean to have to wait another year to withdraw your deposit?
At that time, I was told that I would withdraw the money after a year, and it was precisely because the bank promised that I would deposit the money in this bank, and if I thought that this would happen, it would be impossible to keep the money here.
Then he called ** to question the salesman who handled the business for him at the beginningI want to know the original one bite and one promise, then why did things turn out the way they did?
Under Mr. Song's repeated questioning, the salesman informed Mr. Song that the documents that he had signed were includedOne of them is a wealth management product.
And this financial product is called Penghua ** company type**, the feature of this financial product is that it will be automatically transferred after one yearDuring the year, there is no way to take it out, it is in a closed state
Mr. Song heard it in a fogBut one thing I heard clearly, that is, the money cannot be withdrawn now
The key problem is that Mr. Song didn't know that he had signed a contract for a wealth management product, which is not equivalent to a fraud that changes the law
Mr. Song angrily questioned the salesman: "Did I say I wanted to do this?" and you will speak for me. ”
The salesman felt that Mr. Song was a little unreasonable, and he bought this financial product for him, and it was not his.
Mr. Song was angry and wanted to terminate the contract with the bank, so that he could get back the deposit of 4.1 million, and then Mr. Song wanted to terminate the contract with the bank.
But I didn't expect that this wealth management product is not the bank's own, but belongs to the identity of **, and if you want to cancel it, you can only find ** company now.
But once the contract is signed, how can it be canceled because of the verbal cancellation.
Mr. Song didn't understand the twists and turns here, and his relatives and friends also suggested that he should give this **company a ** name and see what they said over there.
But both sides are clearly passing the buck to each other, but still upheldSince the money was deposited in the bank at the bank, the bank is now also responsible
Mr. Song took the accompanying reporters to find the person in charge of the bank at a higher level, thinking that it was impossible for the leader to kick this thing around.
But what I didn't expect wasThe person in charge was very calm about this mattersaid that everything should be done by virtue of the contract, and Mr. Song's name was written in black and white on the contract, which could not be faked.
Looking at the contract, Mr. Song felt a burst of grief and indignation in his heart, he obviously came to handle the business with full trust in them, but now the person in charge also has this attitude.
The accompanying reporters couldn't stand it either, ask the person in charge:"Since you said that Mr. Song signed the contract, and you are just fulfilling your obligations, then why didn't you inform them when the renewal was automatically transferred? The person in charge was speechless.
——Conclusion·]—
Mr. Song's experience tells us that when signing any contract, we must do a good job of verification, and don't sell ourselves without knowing it.
I went to the bank to make a deposit because I had a sense of trust in the bank, but the result was unsatisfactory, and I hope that the banker can return it with his heart, not just for the sake of performance.