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银行卡被盗刷66万!他立即这样做,银行不得不赔

来源: 南方日报网络版     时间: 2019年05月21日 08:55:59
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幸运飞艇招代理平台直属招商最高㊖100返9♔诚招代理【微信QQ同步】860925559 腾讯分分彩,腾讯5分彩,腾讯10分彩,时时彩龙虎和,U米彩票代理,U米官网,U米平台注册,U米乐官网,U米娱乐官方网站。银行卡被盗刷66万!他立即这样做,银行不得不赔

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(原)(标)(题)(:银)(行)(卡)(被)(盗)(刷)(66万)(!他)(立)(即)(这)(样)(做)(,银)(行)(不)(得)(不)(赔)(
来)(源)(:人)(民)(网)(
ID:people_rmw
摘)(自)(信)(息)(时)(报)(
银)(行)(卡)(被)(盗)(刷)(,此)(类)(新)(闻)(常)(见)(报)(端)(。今)(年)(3月)(,市)(民)(周)(先)(生)(在)(广)(州)(南)(沙)(的)(家)(中)(休)(息)(时)(,突)(然)(收)(到)(银)(行)(卡)(消)(费)(短)(信)(,高)(达)(66万)(余)(元)(的)(金)(额)(被)(消)(费)(。周)(先)(生)(第)(一)(时)(间)(意)(识)(到)(卡)(片)(被)(盗)(刷)(,他)(立)(刻)(采)(取)(紧)(急)(措)(施)(,由)(于)(针)(对)(盗)(刷)(款)(赔)(偿)(问)(题)(,周)(先)(生)(与)(涉)(事)(银)(行)(分)(歧)(过)(大)(,最)(后)(双)(方)(对)(簿)(公)(堂)(。7月)(份)(,周)(先)(生)(拿)(到)(深)(圳)(龙)(岗)(区)(法)(院)(的)(一)(审)(判)(决)(,认)(定)(持)(卡)(人)(对)(此)(事)(不)(承)(担)(过)(错)(责)(任)(,涉)(事)(银)(行)(应)(赔)(偿)(储)(户)(全)(部)(存)(款)(损)(失)(及)(相)(应)(利)(息)(,以)(及)(赔)(偿)(储)(户)(维)(权)(律)(师)(费)(。记)(者)(了)(解)(到)(,涉)(事)(银)(行)(不)(服)(判)(决)(提)(出)(上)(诉)(,案)(件)(具)(体)(情)(况)(有)(待)(二)(审)(开)(庭)(审)(理)(。
一)(条)(扣)(款)(短)(信)(银)(行)(卡)(内)(少)(了)(66万)(
在)(说)(到)(自)(己)(的)(这)(起)(官)(司)(时)(,周)(先)(生)(很)(郁)(闷)(。据)(其)(介)(绍)(,自)(己)(此)(前)(在)(深)(圳)(工)(作)(,2010年)(他)(办)(理)(了)(某)(银)(行)(储)(蓄)(卡)(,2012年)(在)(一)(次)(柜)(员)(机)(取)(款)(时)(,由)(于)(未)(及)(时)(取)(卡)(,机)(器)(自)(动)(吞)(卡)(,随)(后)(周)(先)(生)(到)(该)(银)(行)(申)(请)(挂)(失)(换)(卡)(,此)(后)(便)(一)(直)(使)(用)(新)(储)(蓄)(卡)(。
3月)(13日)(晚)(10时)(许)(,正)(在)(广)(州)(南)(沙)(家)(中)(休)(息)(的)(周)(先)(生)(手)(机)(突)(然)(收)(到)(银)(行)(消)(费)(短)(信)(,显)(示)(其)(储)(蓄)(卡)(支)(出)(669605元)(。“我)(当)(时)(真)(懵)(了)(,卡)(就)(在)(我)(身)(边)(,怎)(么)(可)(能)(消)(费)(,而)(且)(还)(是)(那)(么)(一)(大)(笔)(钱)(,”周)(先)(生)(称)(,意)(识)(到)(自)(己)(的)(银)(行)(卡)(可)(能)(遭)(遇)(盗)(刷)(,他)(立)(刻)(找)(出)(涉)(事)(银)(行)(卡)(,并)(采)(取)(紧)(急)(措)(施)(。
第)(一)(时)(间)(采)(取)(紧)(急)(措)(施)(并)(保)(留)(证)(据)(
周)(先)(生)(在)(当)(晚)(马)(上)(拨)(打)(涉)(事)(银)(行)(客)(服)(电)(话)(挂)(失)(,并)(驾)(车)(前)(往)(距)(离)(居)(住)(地)(最)(近)(的)(该)(银)(行)(ATM机)(实)(施)(查)(询)(操)(作)(和)(存)(取)(款)(并)(保)(留)(小)(票)(,“当)(时)(柜)(员)(机)(已)(经)(显)(示)(挂)(失)(状)(态)(,然)(后)(我)(就)(赶)(紧)(到)(南)(沙)(区)(边)(防)(派)(出)(所)(报)(案)(。”在)(做)(了)(全)(面)(的)(紧)(急)(措)(施)(后)(,周)(先)(生)(随)(后)(与)(涉)(事)(银)(行)(沟)(通)(,提)(出)(退)(还)(全)(款)(要)(求)(。
“后)(来)(就)(查)(到)(那)(笔)(钱)(是)(在)(郑)(州)(被)(刷)(的)(,我)(的)(卡)(在)(身)(上)(,显)(然)(跟)(我)(无)(关)(,”周)(先)(生)(认)(为)(,自)(己)(的)(这)(张)(新)(卡)(从)(未)(遗)(失)(,密)(码)(也)(未)(有)(泄)(露)(,而)(且)(被)(盗)(刷)(的)(地)(点)(跟)(自)(己)(没)(有)(任)(何)(关)(系)(,因)(此)(他)(对)(这)(起)(盗)(刷)(事)(件)(不)(应)(该)(承)(担)(任)(何)(责)(任)(,“银)(行)(就)(说)(我)(没)(有)(在)(卡)(背)(面)(签)(名)(,也)(有)(责)(任)(,但)(这)(跟)(异)(地)(盗)(刷)(有)(什)(么)(关)(系)(啊)(?”由)(于)(协)(商)(无)(果)(,周)(先)(生)(随)(后)(将)(涉)(事)(银)(行)(告)(上)(法)(庭)(。
一)(审)(判)(决)(:银)(行)(赔)(偿)(储)(户)(全)(部)(损)(失)(
近)(日)(,经)(深)(圳)(市)(龙)(岗)(区)(人)(民)(法)(院)(审)(理)(后)(作)(出)(一)(审)(判)(决)(。
记)(者)(在)(判)(决)(书)(上)(看)(到)(,法)(院)(认)(为)(,本)(案)(系)(借)(记)(卡)(纠)(纷)(,原)(、被)(告)(之)(间)(属)(储)(蓄)(合)(同)(法)(律)(关)(系)(,双)(方)(的)(合)(同)(关)(系)(成)(立)(并)(有)(效)(,至)(法)(庭)(辩)(论)(终)(结)(前)(,公)(安)(机)(关)(尚)(未)(查)(实)(储)(户)(可)(能)(有)(监)(守)(自)(盗)(或)(指)(示)(他)(人)(恶)(意)(串)(通)(消)(费)(或)(其)(他)(重)(大)(过)(失)(等)(嫌)(疑)(,且)(银)(行)(亦)(无)(证)(据)(证)(明)(储)(户)(具)(有)(上)(述)(嫌)(疑)(人)(的)(任)(何)(线)(索)(。在)(此)(情)(况)(下)(,从)(储)(户)(提)(交)(及)(法)(院)(调)(取)(的)(证)(据)(来)(看)(,法)(院)(认)(定)(上)(述)(借)(记)(卡)(在)(郑)(州)(商)(行)(消)(费)(669605元)(非)(储)(户)(所)(为)(。
法)(院)(认)(为)(,储)(户)(基)(于)(与)(被)(告)(之)(间)(的)(储)(蓄)(合)(同)(,在)(要)(求)(银)(行)(返)(还)(上)(述)(存)(款)(未)(果)(的)(情)(况)(下)(,要)(求)(赔)(偿)(该)(损)(失)(,理)(由)(充)(分)(,法)(院)(予)(以)(支)(持)(,故)(银)(行)(应)(向)(与)(储)(户)(赔)(偿)(存)(款)(损)(失)(669605元)(,并)(按)(中)(国)(人)(民)(银)(行)(同)(期)(贷)(款)(利)(率)(标)(准)(支)(付)(从)(被)(刷)(卡)(之)(日)(即)(2016年)(3月)(13日)(起)(至)(该)(判)(决)(确)(定)(银)(行)(付)(款)(之)(日)(止)(的)(利)(息)(。与)(此)(同)(时)(,储)(户)(在)(向)(银)(行)(要)(求)(赔)(款)(未)(果)(的)(情)(况)(下)(起)(诉)(本)(案)(,花)(费)(律)(师)(费)(3万)(元)(,也)(应)(向)(储)(户)(赔)(偿)(律)(师)(费)(损)(失)(3万)(元)(。
判)(决)(书)(上)(表)(明)(,储)(户)(未)(在)(涉)(案)(借)(记)(卡)(反)(面)(“持)(卡)(人)(签)(名)(”处)(签)(名)(,从)(本)(案)(现)(有)(的)(全)(部)(证)(据)(来)(看)(,未)(签)(名)(的)(空)(白)(状)(态)(与)(涉)(案)(借)(记)(卡)(存)(款)(信)(息)(及)(密)(码)(被)(复)(制)(、盗)(刷)(的)(结)(果)(无)(因)(果)(关)(系)(,故)(储)(户)(对)(此)(不)(承)(担)(过)(错)(责)(任)(。
焦)(点)(:为)(什)(么)(会)(判)(全)(额)(赔)(付)(?
律)(师)(:储)(户)(没)(错)(属)(银)(行)(违)(约)(
类)(似)(银)(行)(卡)(被)(盗)(刷)(的)(事)(件)(在)(全)(国)(各)(地)(时)(有)(发)(生)(,此)(案)(一)(审)(判)(决)(支)(持)(了)(储)(户)(的)(全)(部)(诉)(讼)(请)(求)(,不)(仅)(要)(求)(涉)(事)(银)(行)(赔)(付)(全)(部)(存)(款)(损)(失)(,全)(额)(赔)(付)(储)(户)(律)(师)(费)(这)(一)(判)(决)(也)(成)(为)(亮)(点)(。对)(此)(记)(者)(采)(访)(代)(理)(此)(案)(的)(代)(理)(律)(师)(陈)(亮)(、赖)(P)(。
赖)(P)(律)(师)(直)(言)(,银)(行)(卡)(被)(盗)(刷)(,人)(民)(法)(院)(判)(决)(银)(行)(既)(要)(100%赔)(偿)(储)(户)(存)(款)(及)(利)(息)(,又)(支)(持)(100%赔)(偿)(储)(户)(维)(权)(律)(师)(费)(用)(的)(司)(法)(判)(决)(,这)(确)(实)(比)(较)(罕)(见)(,也)(是)(本)(案)(最)(大)(的)(亮)(点)(。
“储)(户)(将)(存)(款)(存)(入)(银)(行)(,双)(方)(之)(间)(形)(成)(储)(蓄)(存)(款)(合)(同)(关)(系)(,银)(行)(有)(义)(务)(保)(证)(存)(款)(的)(安)(全)(。银)(行)(将)(银)(行)(卡)(交)(给)(储)(户)(,就)(应)(当)(保)(证)(银)(行)(卡)(的)(唯)(一)(性)(和)(不)(可)(复)(制)(性)(。银)(行)(因)(为)(自)(身)(的)(技)(术)(漏)(洞)(而)(发)(生)(银)(行)(卡)(被)(盗)(刷)(时)(,储)(户)(不)(存)(在)(过)(错)(,属)(于)(银)(行)(违)(约)(,由)(此)(造)(成)(储)(户)(存)(款)(损)(失)(的)(,应)(由)(银)(行)(承)(担)(赔)(偿)(责)(任)(。“陈)(亮)(指)(出)(,根)(据)(《合)(同)(法)(》所)(规)(定)(的)(全)(部)(赔)(偿)(原)(则)(,储)(户)(的)(全)(部)(损)(失)(包)(括)(利)(息)(损)(失)(、因)(维)(权)(所)(花)(费)(的)(律)(师)(费)(等)(,依)(法)(也)(应)(当)(由)(银)(行)(予)(以)(全)(额)(赔)(付)(。
银)(行)(卡)(被)(盗)(刷)(这)(些)(措)(施)(有)(助)(维)(权)(
陈)(亮)(律)(师)(还)(特)(别)(提)(到)(,周)(先)(生)(的)(诉)(求)(之)(所)(以)(获)(得)(法)(院)(支)(持)(,最)(重)(要)(的)(前)(提)(是)(周)(先)(生)(在)(发)(现)(自)(己)(的)(银)(行)(卡)(被)(盗)(刷)(后)(,采)(取)(了)(一)(系)(列)(理)(智)(、冷)(静)(的)(行)(为)(并)(固)(定)(了)(相)(关)(证)(据)(,从)(而)(为)(后)(来)(的)(顺)(利)(维)(权)(打)(下)(了)(良)(好)(基)(础)(。
他)(提)(醒)(,市)(民)(如)(遇)(到)(类)(似)(银)(行)(卡)(被)(盗)(刷)(的)(情)(况)(时)(,一)(定)(要)(保)(持)(冷)(静)(,并)(及)(时)(采)(取)(以)(下)(举)(措)(:
1、第)(一)(时)(间)(向)(发)(卡)(行)(电)(话)(挂)(失)(
作)(用)(:避)(免)(盗)(刷)(损)(失)(进)(一)(步)(扩)(大)(
2、持)(银)(行)(卡)(到)(本)(地)(的)(柜)(员)(机)(操)(作)((查)(询)(、存)(取)(等)()
作)(用)(:固)(定)(电)(子)(证)(据)(证)(明)(银)(行)(卡)(与)(本)(人)(在)(一)(起)(,发)(生)(盗)(刷)(时)(银)(行)(卡)(和)(本)(人)(均)(在)(本)(地)(,不)(可)(能)(同)(一)(时)(间)(在)(异)(地)(刷)(卡)(消)(费)(
3、及)(时)(向)(公)(安)(机)(关)(报)(案)(,详)(述)(被)(盗)(刷)(情)(况)(,留)(好)(报)(警)(回)(执)(
作)(用)(:证)(明)(银)(行)(卡)(仍)(由)(自)(己)(妥)(善)(保)(管)(,盗)(刷)(消)(费)(非)(本)(人)(所)(为)(
4、迅)(速)(与)(涉)(事)(银)(行)(联)(系)(,主)(动)(沟)(通)(后)(续)(赔)(偿)(事)(宜)(,针)(对)(银)(行)(不)(予)(全)(额)(赔)(偿)(的)(强)(势)(态)(度)(,储)(户)(要)(敢)(于)(拿)(起)(法)(律)(武)(器)(说)(“不)(”。返)(回)(搜)(狐)(,查)(看)(更)(多)(责)(任)(编)(辑)(:
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