The person who borrowed 8.5 million VND owes 8.8 billion VND: Eximbank’s information is incorrect

Talking with Dan Tri reporter, Mr. P.H.A – the person Eximbank announced that it has an outstanding credit debt of VND 8 billion – said that he has now hired a lawyer to help resolve the case and that everything related to statements will also be governed by the law. The lawyer replied.

According to Mr. H.A, hiring a lawyer is to avoid negative statements from him as well as from the bank. However, he also emphasized that the comments from the bank are incorrect.

Previously, Mr. H.A shared with the media and said that since 2013, he asked an employee to work at the Eximbank branch in Quang Ninh. Register to open a credit card. But in fact, after that, he did not receive this credit card and did not incur any expenses.

In 2017, when he went to another bank to borrow money, he was informed by the staff that he had incurred bad debt at the bank. Eximbank and cannot borrow capital. Only then did he know that he had credit debt.

During those 5 years, he did not receive any notification from Eximbank, even in writing, that he had bad debt. He confirmed that the signatures on the two transaction receipts were not his. 

Mr. H.A added that in the card opening file, there was an additional strange phone number that did not belong to him. Meanwhile, Mr. H.A’s phone number is still being used and he has not received any notifications.

For Eximbank, the bank said that this method of calculating interest and fees is completely appropriate. in accordance with the agreement between the bank and customer according to the card opening application with full signatures dated March 15, 2013. This bank said that a customer named P.H.A opened a Mastercard card at Eximbank Quang Ninh branch on March 23, 2013 with a limit of 10 million VND

This customer generated 2 payment transactions on April 23, 2013 and July 26, 2013 at a transaction acceptance point. From September 14, 2013, the above card debt was converted into bad debt and the overdue period up to the time of notification was nearly 11 years.

Immediately after that, the bank took many actions. Steps to collect this customer’s debt. However, the customer still has no plan to handle the debt.

Information to reporter Dan Tri Mr. Nguyen Duc Hien – Director of the State Bank Quang Ninh branch – gave On March 14, the State Bank of Vietnam’s Quang Ninh branch inspection unit sent a document to the Export-Import Commercial Joint Stock Bank (Eximbank) regarding the incident reported by Dan Tri . light. 

The leader of the State Bank of Quang Ninh branch said that he requested Eximbank to report as soon as possible and have information about the incident of concern.  

Previously, Dan Tri reporter reported that a customer posted on social networks a text from Eximbank about this customer using credit cards and owing more than 8,5 million VND in 2013. By 2023, this debt will increase to more than 8,83 billion VND .

Eximbank confirmed the above information for Knowing that the customer had 2 transactions since 2013, the card debt mentioned above had turned into bad debt and the overdue period up to the time of notification was nearly 11 years. The bank said the interest calculation plan is correct and has repeatedly announced to work directly with customers. However, the customer still has no plan to handle the debt.

However, Mr. P.H.A said that he did not receive a credit card and did not incur any expenses.

The story is ongoing. received great attention from public opinion. On March 14, the leader of the State Bank of Quang Ninh branch said that request Eximbank to report the incident . 

A credit card is a card for Allows the cardholder to make card transactions within the credit limit granted under the agreement with the card issuer, helping customers make payment transactions to purchase goods/services in advance and pay in advance. returned to the issuing bank later.

Credit cards help customers pay quickly and easily without having to carry cash, reducing the risk of carrying cash and having it stolen.

However, many customers reported losing money using credit cards and becoming customers with bad debt at banks with barriers when needing to borrow capital.