First, if the bank employee does something wrong and the debtor doesn't know it, it is the responsibility of the bank employee.
Being able to transfer money to the debtor's credit card is a high probability of bank employees' misoperation. From this perspective, it is certain that it has nothing to do with the debtor. Because the debtor certainly didn't know that the bank clerk would put money into his credit card, and the bank clerk was not his brother. Why does he make money for no reason? Even brothers are rewarded, so you have to pay back the money. 500 thousand, that's a lot of money!
If it is really a good thing done by bank employees, the debtor doesn't know, just the money was taken away by the bank. Is this feeling amazing? 500,000 yuan, after a turn, the arrears of the bank card disappeared. For the bank, there is a loss of 500 thousand. This deficit really needs to be repaid by bank employees.
Bank employees will definitely not pay it back by themselves. He can find the debtor's information and call him for money, because it is a debt to him. It is possible to negotiate by telephone, or go to the debtor's registered place to find the debtor, or use language threats. In either case, this is a personal vendetta between the debtor and the bank employee, and has nothing to do with the bank.
If the debtor has money, if he is willing, give it to him and let him fill the deficit. If he doesn't want to, wait for him to sue. Legally speaking, this is a gift, although it was given in the wrong situation. But this kind of thing can only be solved through consultation, and the police uncle will not take care of these things.
If a lawsuit is filed, bank employees need to provide evidence to prove that the debtor was subjectively malicious when he got the money, but this is obviously not subjectively malicious. Then, for this employee, either negotiate with others, after a period of time, the debtor may return the money to him. If not, bank employees will work hard and deduct money from their wages.
Of course, for some people, it should be possible to pay back so much money because banks are not online loans. When providing a credit card limit, the bank will review the financial resources of the borrower. Without this asset, they wouldn't provide such a large sum of 500 thousand. I believe that bank employees can still pay back the money.
After all, this incident was just an accidental mistake. We can't let others remember it for so long because of a small mistake. The price is still quite large. Therefore, it is still necessary to be lenient with others and be lenient with others. However, in this process, the debtor is not wrong!
Second, if it is a system error, it ends up in the debtor's account and is deducted, which is the fault of the bank.
Sometimes there will still be bugs after the system is upgraded. When the bank staff is operating, there is no problem. When it reaches the debtor's account, the debtor does not move. When it was time to return the credit card, the money was deducted. In this process, the debtor has never touched the money. In this case, the bank made a mistake, so the loss should be borne by the bank.
If the bank staff calls for money, they can ignore it. Because it was not the fault of the debtor or the bank employees, the money still went to the bank account because it was still owed. This is a good thing for people who owe money. But for banks, it may be an increase in bad debts.
Banks will naturally not accept this reality easily, and may call or even call the police. Don't be timid at this time, please help yourself, because the police uncle won't be in charge of such economic disputes. In the face of the debtor's tough attitude, the bank will not push too hard, and may call the debtor to pay back the money every once in a while.
If it is delayed, it may lead to bad debts. If the bank really wants to get the money back, it can sue in court. It is also necessary to provide evidence to prove that the debtor has subjective malice when suing. If not, the debtor can not pay back the money, because he has no malice.
Finally, the bank may pass this responsibility on to the employees, which is a dispute between the bank and the employees. In this case, employees should take up legal weapons and safeguard their rights and interests. It is also possible if you are dismissed by the bank. I wonder what the employees of this bank will do.
In any case, for the debtor, it is not his fault, and the bank can only digest the bad debt by itself. For the debtor, the relationship with the bank may be less harmonious. As for dealing with this bank in the future, I will encounter some troubles. As for what kind of trouble it is, it depends on the attitude and practice of the bank.
Anyway, as long as the debtor has no subjective malice, he can't be blamed for this. Because the debtor didn't move the money himself, but he didn't move it and was automatically deducted by the bank. It is also possible for banks to admit that they are unlucky. However, banks are likely to find problems with employees.
Third, if the debtor touches the money, he will pay it back.
The bank clerk's mistake caused the debtor to suddenly increase a sum of money. After receiving the SMS reminder, the debtor got the money and used part of it for his own life or consumption. Then, the money needs to be repaid by the debtor. If you don't return it, you may face the risk of being sued.
Because the money is not unintentional to the debtor, but subjective and intentional. If it is not returned to the bank, it is suspected of illegal possession. If the bank sues, it may not only be a matter of paying back the money, but also a "silver bracelet" and a "holiday" of more than two years, which is not worth the candle.
Faced with such a problem, the best way is to return the money to the bank. Of course, you can also discuss with the bank, collect 500 thousand and return it immediately. Banks will not be so heartless, they will give debtors a time, and they will also get a certain late payment fee after the deadline. Why not?
This money is ill-gotten gains for the debtor, so it's better not to move it. What's more, the banking system has been upgraded to a very perfect level, and the possibility of staff omissions is very small. They also have a relatively complete system. Suddenly transfer money to a strange bank account, just in arrears, and at the same time just encounter arrears deduction. This probability is very small.
In this case, it is basically the chance of a pie falling from the sky. Maybe it's not pie, it's discus. Therefore, it is better than anything to work hard and repay honestly. Want to get wool from the bank, just like that, Ada Choi hurts Chen Jianbin-"I can't do it!" !
As a debtor, you also need to be able to repay in time. Because it is natural to pay back debts. Although the purpose of bank borrowing money is to get more money, others are not wrong. Do you think if this happens, you will pay back the bank money?