Respondent: Wu XX, male, living in Room 100, Panyu District, Guangzhou.
The plaintiff Wu XX v. the defendant Li XX and Han XX, a dispute over private lending, has been accepted by your institute, with the case number of (20 13) Sui Tian Fa Min Chu Er ZiNo. XXX. According to the facts of the case and relevant laws and regulations, the respondent puts forward the following defense opinions on the plaintiff's lawsuit:
Defense request:
Please reject the defendant's claim according to law;
Please order the Respondent to compensate the Respondent for the losses including lawyer's fee of 8,000 yuan, lost time of 3,000 yuan, transportation fee of 1000 yuan, and impose a fine, detention or criminal responsibility for fraud.
The litigation costs in this case shall be borne by the defendant.
Facts and reasons:
1. The respondent has paid the loan principal of 400,000 yuan and high interest of 108200 yuan to the respondent in ten times, totaling 508,200 yuan. The respondent's repayment obligation in the personal loan agreement has been fulfilled, and the creditor-debtor relationship between the respondent and the respondent has been settled.
Han Xhua, the respondent and the respondent's wife, repaid the respondent RMB 508,200 in ten installments. Repay 20 1 1 on April 7th, 12000 yuan on May 30th, 12000 yuan on June 2nd and 12000 yuan on July 6th. In September 14, 200,000 yuan was repaid; in October 12, 82,000 yuan was repaid; in February14, 225,500 yuan was repaid, which was more than * *.
The defendant paid usury in Guangzhou and made a living by it, specializing in illegal activities. In this case, the respondent did borrow money from it because of the problem of capital turnover, but the respondent deducted tens of thousands of yuan of high interest in advance when delivering the loan, and the cash actually lent by the respondent was far less than 400,000 yuan. However, due to the urgent need for funds, the respondent had to submit to humiliation. Afterwards, 400,000 yuan was still repaid as agreed, and high interest was paid as high as 10.82 million. After the repayment was completed, the Respondent repeatedly asked the Respondent to return the IOU. At first, the respondent just said to go back and look for it, but later he simply said that he couldn't find it. Although the respondents have doubts in their hearts, they are helpless. At the same time, he thinks that he has returned the IOUs, and it doesn't matter if he doesn't return them. Unexpectedly, the respondent was still greedy after receiving all the loan principal of 400,000 yuan and high interest. He bit the respondent and took advantage of the respondent's negligence to maliciously file a lawsuit against the outstanding loan, with the intention of blackmailing the respondent. In a society ruled by law, the respondents are so bold that they are really chilling!
To sum up, the Respondent has repaid all the loan and high interest from the Respondent on 20 1 1, and is now asking the Respondent to repay on this ground.