Carelessness and greed gave birth to an extra 5000 yuan deposit.
Zhu, a 43-year-old native of Xixia County, Henan Province, bought a car last year and rented it in the county. In less than two years, I have a lot of savings. Zhu has a habit of changing the money he earns every month into new banknotes with a face value of 100 yuan in 50 yuan and putting them in the cupboard one by one. His wife, Huang Fenfang, asked him to deposit his money in the bank, which is safe and has interest. It is better than keeping it at home. Zhu felt that his wife was right and decided to deposit all the money in the cupboard in the bank. He tied 100 bills of 50 yuan into a stack, and divided 130 bills of 100 yuan into 100 bills and 30 bills, making a total of 18000 yuan.
At 3pm on June 30th, 2004, 10, Zhu took the money and drove straight to the savings office of China Bank. Zhu came to the third window. Salesman Ma put Zhu's three stacks of RMB on the money detector for inspection. "Do you save this 23,000 yuan for a fixed period or for a duration?" Asked the salesgirl. Zhu did not respond. "Ah! I'm asking you. Is your twenty-three thousand a lifetime or a deposit period? " The salesgirl shouted impatiently at Zhu.
Zhu just confirmed that she didn't listen to wrong. The salesgirl really said "23,000 yuan".
"I ... I'm alive!" Driven by greed for money, Zhu did not point out the mistakes of female salespeople. After Zhu took the passbook, he quickly walked out of the savings office.
The windfall reflects the different souls of a family.
"Fragrant, I can make a fortune today! The bank has saved more than 5 thousand yuan! " When Zhu came home, he said to his wife: When Huang Fenfang saw that the deposit was really 23,000 yuan, she cried in horror: "Will the People's Bank ask you for it back?"
"Want to? We won't give it to them either! They saved the money for us. As long as we don't admit it, no one can prove that the extra 5000 yuan is not saved! " Then, there was a quick knock at the door. They were really afraid that people from the bank would come to you. When I opened the door, it turned out that Zhu Xiaoyang, the son of middle school, had returned. "Mom, why are you so nervous today?" The son looked wrong when he saw his mother.
"Your father went to the bank to save money this afternoon, and the bank saved 5,000 yuan more!" "Then did we return the money to someone else's bank?" Zhu Xiaoyang asked. "They made a mistake and saved us more. Why give it back to them? " Zhu grumpily said to his son.
"Dad, mom, don't you usually educate me to be an upright person and not to get ill-gotten gains? How can you do this? " To this end, the father and son quarreled a few words. Zhu Xiaoyang was very angry with his parents' greed and went into his room.
Someone knocked at the door again. Huang Fenfang went to open the door and saw a beautiful girl and a middle-aged man standing at the door with drinks. "Excuse me, is this Mr. Zhu's home?" The middle-aged man asked. Zhu asked the men to go in.
I'm Ma, the assistant of Zhongjie business hall of China Bank, and this is Zhou Jinhua, the director of business hall, who introduced herself. "Brother zhu, it's like this. When I got off work today, I found that there was an error of 5000 yuan in the reconciliation. After investigation, it was Ma Xiao who gave you the wrong deposit. " Zhou Jinhua said to Zhu. "Zhu Dage, I mistook your stack of face value 50 yuan's money for face value 100 yuan. We came to apologize to you. Please forgive my mistakes in my work, please return this 5000 yuan to us! " Ma apologized.
"Right or wrong is your business. The 23,000 yuan we saved is right. " Huang Fenfang saw that her husband bowed his head and said nothing, and quickly said for her husband. Then, the two sides were deadlocked and I fell apart. Finally, Huang Fenfang pushed them out of the door, and Zhu took the opportunity to throw the drinks they sent out of the door.
Banks withdraw money without permission to attract depositors to report "1 10"
After going to work the next day, Ma and Zhou Jinhua discussed that the best way is to settle accounts. But Ma Gang took part in the work and couldn't come up with 5000 yuan at once. She said helplessly, "Director Zhou, people like Zhu can only deal with him with blows with blows. I think the extra 5000 yuan saved for him has been taken out, and the account will be flat! " Zhou Jinhua felt that there was nothing wrong with it and agreed. Ma filled out a withdrawal voucher and withdrew 5000 yuan. In this way, Zhu's deposit in the account became 18000 yuan.
165438+1On the afternoon of October 6, Zhu withdrew 5,000 yuan and made another deposit with a friend. It happened that the horse was on duty again this afternoon. After saving the money, Zhu opened the passbook and saw that the total amount was still 23,000 yuan. He looked at it carefully and found that the passbook printed 65438+1October 3 1, and he had already withdrawn 5000 yuan. He asked Ma, "I took 5000 yuan from the printed 65438+1October 3 1 Who took it? "
"Of course, that is your own withdrawal! Who else will take your passbook to withdraw money? " The horse said rudely. "You said I took the money, and you took out my signature certificate to withdraw money!" Zhu felt that the shop assistant was taking revenge on him.
Speaking of which, people who come to handle business flock to us. For a time, people who came to handle business talked about it in succession, and the whole business hall was like a frying pan.
Zhu Jianma, who had the upper hand, said nothing, so he warned Ma not to save the 5,000 yuan for him and called the police. When Ma refused, Zhu immediately dialed "1 10". When the police arrived, Zhou Jinhua explained the whole story to the police. "Since you have more than five thousand dollars in savings disputes, it does not belong to public security criminal cases. You can ask the court to make a ruling. " The police said.
For the normal operation of the savings office, Zhou Jinhua ordered Ma to transfer the 5000 yuan withdrawn privately to Zhu's passbook. Zhu took it at a glance and took all the 28 thousand dollars.
The bank sued greedy depositors for returning unjust enrichment.
Zhu's troubles made Zhou Jinhua feel that it could not be concealed. In the afternoon, he took the initiative to report to the bank leaders and submitted a written inspection. After listening to Zhou Jinhua's report, several leaders of BOC were deeply surprised and held a leadership meeting overnight. Later, it was decided to give informed criticism to Zhou Jinhua and Ma and deduct some bonuses. The leaders of the Bank of China took the surveillance video of Zhu's deposit and played it three times in a row, confirming that Ma did deposit 5,000 yuan to the depositor Zhu because of his work mistakes that day.
On February 29th, 65438, China Bank sued Zhu, a greedy depositor, and asked the court to order the defendant to return the 5,000 yuan of unjust enrichment money that the bank had given him because of his work mistakes, and submitted the surveillance video to the court.
On October 28th, 2005, the court heard the case, and the court played the surveillance video provided by the plaintiff when the defendant made a deposit on the afternoon of October 30th, 2005. In court, both sides held their own opinions. The presiding judge said: "This case requires a professional appraisal institution to conduct a comprehensive judicial technical appraisal of the accurate digital display in the money detector, and the burden of proof lies with the plaintiff. Did the plaintiff apply for judicial technical appraisal? " The plaintiff agreed to apply for identification in court. Under the court, Zhu anxiously asked the lawyer, "Can professional organizations really identify the exact figures in the money detector?"
The lawyer, who had been kept in the dark, guessed the truth from Zhu's flustered and frightened eyes and said, "If that 5000 yuan is really deposited in the bank, I advise you to give it back to others now. Otherwise, if the appraisal result comes out, you will not only return the extra 5,000 yuan to the bank, but also bear the appraisal fee and legal fees of this case. " When the court was adjourned, Mr. and Mrs. Zhu decided to settle with China Bank as soon as possible and return the 5,000 yuan already withdrawn to China Bank. On March 1 1, when the court opened again, Zhu returned 5,000 yuan to the bank. (The characters in the text are pseudonyms)