I was listed as a person subject to enforcement for breach of trust last year. I know this matter quite well and what kind of transportation I usually use.

I was sued by Guangzhou Bank’s credit card company and was listed as a dishonest person.

On March 28, 2020, I was sued by the Foshan Branch of a certain state bank Co., Ltd. to the Chancheng District People's Court of a certain mountain city. The reason for the lawsuit was a credit card dispute case and a civil lawsuit. I did not appear in court at the time. The reason is because I didn't know about it at all. They didn't notify me when the trial started, and they didn't send me a letter of indictment.

When I found out that I was being sued, it was already half a year later. When I was spending money at that time, I found that my bank card had no money. Later, after many searches, I found out the reason. My bank card was debited and my WeChat balance was frozen.

I was quite panicked at the time, but I also knew that because I owed so many bank cards and had not paid them back, it was only a matter of time before I was sued. Because when I was overdue, I did not actively repay the credit card. I only paid dozens of dollars every month on my credit card. Later I learned about the bottom line of this kind of provocative credit card. I didn’t have the money to repay the online loan, but I knew that online loans would generally not sue, so I returned my bank card as soon as possible.

Later I found out that after I was debited, I didn’t add any more money to my bank card. I spent all my money in cash. This lasted another two months until the holidays, because I was working in Guangzhou at the time and was preparing to return to my hometown. When I was booking tickets, I discovered that I was restricted from spending too much.

When I chose second-class tickets, to my surprise, it turned out that I could buy second-class tickets.

After this experience, I later thought that I must get this matter done, otherwise it would seriously affect transportation.

Because my workplace is in Foshan, I had to go to Guangzhou Bank to handle this matter. I first used Didi Taxi on my mobile phone to call the express train. This had no effect, and then I bought a train ticket. , from Shunde to Guangzhou South, there was no first-class ticket when I booked the ticket. This was listed as a dishonesty. It is normal to buy tickets. After getting off the train from Guangzhou South, I had to take the subway again. I took the subway to Guangzhou Bank. There is no impact or any restriction at any time.

After arriving at Guangzhou Bank, I talked with the customer service and said that I was willing to handle the overdue issue. Because it had been more than half a year, the customer service said that you can only call and use your credit card. Contact the Ministry of Finance, and he can only deal with the problems of depositors.

It was very helpless and the trip was in vain. Later I took a taxi back to Shunde. Being on the taxi driver list did not have any impact and I could travel normally.

After I got home, I picked up my mobile phone and called the bank. I contacted them and said that I was willing to deal with the overdue issue. Because I am on the list of dishonest students, it may affect my child's ability to study here. Because I am a foreigner and my child is studying in a private school, I am worried that he will be restricted.

After I communicated with the bank, the customer service staff at the bank still told me to pay off all the overdue balances on my credit card plus liquidated damages, but I have already seen the court's enforcement In this case, it is said that only the principal needs to be repaid. This makes me very embarrassed.

I didn’t think of complaining to the China Banking and Insurance Regulatory Commission at the time. If I knew, I would definitely complain, but I just wanted to deal with the issue of my private message list, so I ignored it. Later, the bank customer service gave me the phone number of the collection manager.

After I contacted this phone number, the manager of the collection department told me that it would now be handled by a lawyer. Later, I added the lawyer’s WeChat account and told the lawyer to help me remove the email list. The lawyer said this I can communicate, but I'm not that optimistic. The lawyer said that I have to pay off the debt. I said that the amount of money that needs to be paid back on the credit card is different from the court's judgment. The lawyer said that you only need to repay according to the judgment and don't worry about the rest.

Later I said that I don’t have that much money for the time being. Can I pay in installments? This lawyer is a little bit crazy. He said that if you want to repay it, he can pay it back in 6 installments at best. If you pay off the 6 installments, you will still need 30% of the down payment. Later, I said that I can't pay back that much now, so I didn't call again. He took the initiative to find me in the past few days. He said that he could agree and let me pay it back in installments.

When I communicated with him later, I said that I had to divide it into 12 installments, and he agreed.

But after I paid back three installments in a row, a large group of people came to the door of our company, looking for me, once again ruining my reputation. And they blatantly said it was from Guangzhou Bank's credit card. I was wondering, didn't I pay back the money according to the lawyer's method? Could it be that those people are here to enforce the law?

I didn’t go down at that time because I was afraid of being caught. The security kept calling me. Later I saw that those people had not left there. I was afraid that things would get serious and affect my work. I still I went down, and after I went down, I discovered that these people were from a collection company, which is what others call a law firm.

After I went down and communicated with them, I found out that they were confirming the collection of my order. Because I had been working but I had not paid back the loan, they took advantage of my weakness. , came directly to the door of my company. The most important thing is that their company is too close to our company.

But I told him that I had negotiated the installment repayment with the previous lawyer. He said that the previous lawyer no longer accepted the order, and they would follow up on this order. I was thinking in my heart, Wow, isn't this a scam? I've paid back several installments, and you suddenly said it doesn't count?

Later I asked them if you could leave first, and then I negotiated with you on the phone. We added WeChat to each other because he said he had seen my repayment record, and I was indeed following up. .

After I went back, he gave me a plan, saying that the money I had repaid before was also recorded in it, but the installments were not counted. I still had more than 9,000 left to repay. Later he said that I I only need to pay back 6,000 yuan to settle the matter. At that time, I thought it was a good thing. But I called the bank again to confirm and see if I could believe it. You see, they told me directly that the attorney was solely responsible.

I immediately asked my sister to borrow money that day. I wanted to deal with this matter. Because I went out to recharge and Kuaishou during the war, I could only miss living expenses. I could only spend 1,500, so I There was simply no extra money.

Fortunately, the matter went smoothly. My sister directly asked his daughter to transfer the money to me, because I told him that I was sued by the bank and if I didn’t repay the loan, I just got caught and couldn't get out. People from their older generation are more rigid. So I am very afraid of this kind of thing.

After I deal with this matter, I still have to deal with the problem of breach of trust. After I pay off the money, the bank directly adjusts the account for me and removes all the other money. It will help me later. The bank card has been cancelled.

I contacted the lawyer who added my WeChat account later and asked him to help me deal with the breach of trust issue. However, I was still cheated by this lawyer for hundreds of dollars because the court had already paid the litigation fees. He asked me to pay him the legal fees, but later he refused to help me handle the matter.

Later I contacted the court myself and dialed the court’s phone number.

The court finally gave me Secretary Yang’s phone number. Later, I contacted me by phone and he gave me a phone number. We added it on WeChat, and later we communicated on WeChat. I asked him if the interest rate had been paid to you about canceling the default list, and he said that he had never heard of it at all.

Furthermore, the bank has not given a notice of closing the case, so it cannot be revoked. Later, he said that he wanted me to pay an execution fee of 188, because the execution was enforced here.

After two weeks of waiting, he received a happy announcement.

My list of untrustworthy persons can finally be lifted.

After my above experience, I believe you already know it in your heart, and I also told you how to negotiate and communicate, and how to get rid of the list of untrustworthy people. I hope it can really help you.

If it is more standard, I will list it for you below. Those who have broken their trust and are subject to execution are not allowed to take the following means of transportation.

①. You are not allowed to choose second-class or above cabins on airplanes, trains, or ships;

②. Take all seats on G-prefix EMU trains, first-class or above seats on other EMU trains, etc. .

After being listed as a dishonest person, your life has encountered obstacles at every turn. I hope you can get out of it as soon as possible and have the courage to repay your debts.