[新聞] 沒辦卡竟欠卡債? 中信銀拍賣老農祖產判
1.原文連結(必須檢附):
http://m.appledaily.com.tw/realtimenews/article/new/20160613/884816
2.原文內容:
新北市一名郭姓老翁控訴,他前年向農會申請老農津貼遭拒,才驚覺祖產農地竟遭法拍賤
賣104萬元,原來中國信託銀行宣稱他欠卡債,向法院聲請支付命令後強制執行拍賣他的
農地,但他根本沒向中信銀申辦信用卡,也從未收到法院的支付命令通知,因此憤而提告
求償。士林地院沒有調查那張信用卡是否確由郭翁申請、消費,但認定支付命令送達程序
有疏失,今判中信銀須賠郭翁老農年金及地價損失共372萬元。
判決指出,2010年3月24日中信銀以郭姓老翁積欠33萬多元卡費為由,向桃園地方法院聲
請核發支付命令,通知文件寄送至郭姓老翁位於桃園的戶籍地,事後法院沒有收到郭翁聲
明異議,因此在同年5月3日核發支付命令確定證明書給中信,中信再於2013年7月向法院
聲請強制執行,拍賣郭翁名下農地,最後被以104萬賣出,中信拿走其中33萬多元抵債。
郭翁控訴,2011年11月17日、2012年7月9日,他曾在新北市住家收到中信銀的卡債催繳通
知,當時他立刻向銀行反映沒有申請過信用卡,還親自到中信總行要求提出申請書及消費
清單,並進行筆跡鑑定,中信卻置之不理,仍持續寄送催繳帳單,直到前年他申請老農津
貼,農會告知他名下沒有農地,資格不符,他才驚覺祖產已於2013年遭法拍。
郭翁怒控中信銀向法院聲請的支付命令送達不合法,提告求償土地法拍所得、拍賣執行相
關費用、無法按月領取老農年金的損失以及中信拿走的33萬多元,共約415萬多元損失。
郭翁委任律師彭國書指出,中信的催繳帳單都知道要寄到郭姓老翁實際居住的新北市住處
,卻在聲請支付命令時,刻意隱瞞,只向桃園地院呈報郭翁的戶籍地,導致郭翁未能及時
收到支付命令通知,進而聲明異議,土地因而遭法拍賤賣,中信銀行明顯有疏失。
中信銀則供稱,他們是依照信用卡申請書上的地址,向桃園地院聲請支付命令及強制執行
,主張郭翁的確積欠33萬多元。另外,中信銀還在言詞辯論庭期間,請求法院調查郭翁有
無申請其他銀行的信用卡、是否本人親自申請及申請書填寫地址等。
但士林地院認為,中信銀在訴訟過程中從未針對郭翁是否有申請信用卡提出異議,直至全
案辯論終結當天,才請求法院調查信用卡是否真的是郭翁申請,明顯有意圖延滯訴訟之嫌
,因此駁回中信銀聲請調查證據,並訂今天宣判。
判決指出,中信銀在2011年寄送催繳通知書時,已知郭翁實際居住地,聲請支付命令時卻
未據實向桃園地院陳報,導致郭翁土地遭法拍,且無法按月領取老農年金18.9年,中信銀
顯有疏失,應賠償郭翁372萬多元,可上訴。(顏凡裴/台北報導)
3.心得/評論(必需填寫):
如果老翁所講的是真的,就太誇張了吧,這銀行還能信嗎?散戶你會怕了嗎?
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沒寫,應該沒那麼慘吧
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