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A court in China ruled in favor of a man who paid a loan that he never took out.



Qian approached a privately-owned bank (whose name was not disclosed) in February 2015 to apply for a mortgage. The bank denied the application, citing bad credit history and told him that he owe them 18,000 yuan through a credit card.



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Qian told the bank that he didn't use the said credit card and did not receive a letter from the bank about it. Police investigation showed that a fraudster used Qian's ID in 2008 to get the credit card, accumulating a debt that amounted to 18,000 yuan.



Qian really needed the mortgage loan as he already signed a contract with his landlord. He negotiated with the bank and paid 8,200 yuan so he can be granted the loan.



He later sued the bank to get his money (8,200 yuan) back and for compensation. He said that it was the bank's fault for not verifying the identity of the loan applicant, putting Qian in a credit blacklist for seven years, but the bank said that the leak of Qian's personal information was his fault.



The bank gave Qian 8,800 yuan, the court said.




Tagsmortgage fraud in China, mortgage fraud, loan fraud, personal information leak, Qian, loan, wrong loan, contract