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"Legal Weekly" reporter Lei Hongtao text / Chart
April 15, Changsha people Yip received a text message from the Bank of China. Bank of China Great Wall of text messages that her application has been approved, and recently sent. Yip wondered: "I have never applied for the Bank of China's credit card, how is it?" The same day, another 669 property owners Changsha "fragrance Royale 'real estate, also received this message. Owners receive SMS puzzling: Who leaked their personal information? No signature, there is no authorization, the Bank of China is how to handle the credit card? April 18, Yip called the "legal weekly" News Hotline.
Owners encounter "by credit card."
"Fragrance Royale" real estate is located in Changsha west. This "is a credit card," the owners of as many as 670,air max tn pas cher, Yip is one of them.
2009 Yip bought a "fragrance Royale" house, has Shou Fang. "Buy a house could have been a happy thing,http://www.sonandersonartifacts.com, did not expect to encounter such a thing."
When the bank just received a text message, Yip thought he received a text message scam. But that day, "fragrance Royale" falling out of the sky chat group owners: We have received this message.
One owner showed reporters a text message she had received: "Congratulations on your application has been approved and the Great Wall ×××× recently sent, please check if not received within 15 days,http://momake.sakura.ne.jp/cgi/sengoku/index.cgi, please call the 24-hour customer service hotline!! 4006695566, we will be happy to serve you ...... [Bank of China]. "
"I have four credit cards, but no one is do not give up after I agree to the." Mr. Wang said the owner, in case he had no knowledge of, under the name of more than one credit card,http://war.kuronowish.com/min/light/light.cgi?pag, which he could not accept .
In fact, prior to this, the owners and the Bank of China does not have any relationship. "Developers qualified lender for the construction of the bank, we never produce more than half dime relationship with Bank of China."
Some owners want to sell the card in a timely manner, but the question again:. "The answer is going to the bank to check the personal information in order to sell the card, but now in addition to information on the identity of the other information is not on."
Then the owners have realized that their personal information may be developers "betrayal".
April 18, on behalf of the owner's representative to find developers and bank representatives, hoping to unlock "is a credit card,http://114.215.208.153/read.php?tid=11892021&ds=1," the mystery.
Bank says developers commissioned by the Office of cards
Bank representatives told the owners: "This card is actually borrowing limit one card it is not because it is a card issued by our credit card system, so the message was written on the credit card..."
Bank representative explained, one card lending is credit and debit card functions on a unified card, which began as a zero amount, equivalent to the general nature of the debit card. "After using six months, you can apply for the card to increase the amount of time, this card is a credit card."
Bank representatives told the owners that they do card before, had been commissioned by the developers of the authorization.
"Legal Weekly" reporter saw the developer to write a "power of attorney": "Yuelu Branch of Bank of China is now entrusted to 'Hailin ? fragrance Royale' apply electricity to about 670 debit card." Requester is "fragrance Ya Court, "the developer - Hailin Fu Xi Ten Group Real Estate Development Co., Ltd., Hunan.
Yuelu Branch of Bank of China,moncler outlet, managers of these cards, the bank's financial manager Wang told reporters that the name of this card is the "Bank of China Great Wall home relieved theme card."
Reporters learned from the bank side: This card is not necessary for owners to pay electricity bills.
When a reporter asked who is responsible for the owners of the information provided to the bank to do card, the developer on behalf of Mr. Rowe did not answer directly,http://www.ikaobo.cn/thread-66990-1-1.html, "We issued identity card is required for the power sector. This is who gave the information, I do not answer. "
But Rowe acknowledged that the owners did not communicate with the card before you do, really wrong.
Lo, in accordance with the requirements of the power sector, electricity is fragrance Nga owner of a table,http://hyougosoap.s102.xrea.com/cgi/j/j.cgi?mode=res&no=3549, you must apply for a tariff card (credit card). Therefore, the developer is required to consider themselves to be but in the offices of the electricity sector only. But the owners Yip told reporters that she did not ask her Shoufang Property Office tariff card.
In addition, the tariff card why become a "credit card"? Rowe responded by saying: "This is definitely a ghost out of the bank."
Bank representative claimed:. "Because our product is more suitable for power supply bureau."
Bank managers Wang confirmed these cards, debit cards to become a credit card, the developer does not know.
The card can flow backwards to?
Owner's representative questioned the existence of control is lax banking problems. The bank representative said: "It is just part of the issuing process is gone, and not to the signature of the link,http://www.bbstg.com/?http:/read.php?tid-74746-ds-1.html, link is there first, after."
But according to "commercial bank credit card business regulatory measures" Article 38, the issuing bank shall disclose, clearly inform the application materials and basic requirements for applicants should submit application materials must be personally signed by the applicant himself, not at unsuspecting customers By issuing or contrary to the wishes of the customer situation. This means that before the bank printed card, the customer must first submit an application.
April 19, the reporter consulted the Bank of China credit card customer service calls. Customer service staff, in the Bank of China credit card process is: 1, to provide customer identification card,http://gamsa.net/guestbook/index.php?item/create_form/1, proof of income; 2. Fill in the credit card, "Application Form" and submit the bank together with the ID card and other information; 3, the bank put Information submitted to the head office of the audit; 4, the head office through the audit issuers; 5, customers activate the card. Customer service told reporters that the process of the order is not reversed.
"We take the credit card process, but the order we go backwards, because the bulk do card, so the first to do card, walk in front of the process." Ms. Wang introduced Attn bank card, bank card to do a batch internal documents, the clerk is in accordance with the internal documents in the office. "It now appears that the program does not work the other way round, the owners do not understand."
Some owners speculated that there is an interest in the relationship between banks and developers. Bank representatives denied the client's guess: "There is no such thing."
Attn Wang told reporters that the cards have been five or six properties in Changsha Hexi promotion,hogan donne 2013, only "fragrance Royale" owners react. "Other properties we have to communicate early, and the real estate may be enough to communicate with us." After receiving the "fragrance Royale," the owners of the complaint, the Bank of China Hunan Branch has stopped handling the bulk of this card business.
The owners are most concerned about is how to avoid similar incidents from happening again. "With the first time there will be a second time,peuterey uomo, going to protect our rights?"
Lawyers say suspected illegal disclosure of personal information
In this regard, Hunan million and joint law firm lawyers said Li Jian, commercial banks credit card business, should strictly abide by state laws, policies and abide by equality, voluntary and good faith. Banks can not be a party without the express written consent signed by unilateral credit card business. According to "Contract Law" Article 52 expressly provides: violation of laws, administrative regulations, mandatory provisions, contractual relationship established, the alleged invalid. While for the bank's own violations, China Banking Regulatory Commission and related agency investigated after implementation of the commercial banks should be ordered to make corrections or take regulatory measures.
Li Jian also said that the developer without the consent of unauthorized disclosure of personal information on the owners, has been arrested for breaking the law. Based on "Criminal Law" stipulates that the staff of state organs or financial, telecommunications, transportation, education,piumini moncler, health care and other units, in violation of state regulations, the personal information of citizens in the performance of duties of the unit or the provision of services obtained during the sale or illegally provided others, the circumstances are serious, shall be liable to three years imprisonment or criminal detention, or impose a fine gold. The unit crime, punishable by fines and penalties in accordance with the provisions of its executive officers and other persons responsible.