事情经过说明999

事情经过说明999 关于兰州邮政储蓄不实起诉甘肃世通网络科技 有限公司原法人贷款未还的说明 兰州市高级人民法院: 本人王志刚，为甘肃世通网络科技有限公司(以后简称我公司)法人，也是实际控制人，现将中国邮政储蓄银行有限责任公司兰州市分行无故将我公司原法人谢延霞起诉贵院，承担由(社会人士)黄昆伪造法人签名伙同金建萍(邮政储蓄银行信贷主管)，无视法人必须面签，及贷款存折必须当面发放贷款人，开户必须本人亲自开立本人等行业制度要求，违规发放及冒领贷款的事实责任及中国邮政储蓄银行有限责任公司兰州市分行业务流程管理失误造成的贷款无法追回的事情经过，向贵院做以详细陈述。以便贵院能详实的了解事情的经过，做出公正的判决: 2008年12月我公司(原法人代:谢延霞)与兰州鑫远计算机工程有限公司(法人代表:邹磊)、兰州海纳商贸有限公司(法人代表:吴建设)三个公司因经营需要，想在银行贷款。通过本人介绍认识社会人士黄昆，黄自称与中国邮政储蓄银行有限责任公司兰州市分行(以下简称:邮政银行)的金建萍关系很好，经常帮别人做贷款，邮政那边的关系他来打点不用我们管，并且告诉我们邮政有种三方公司联保无抵押贷款业务，由他来衔接只要资料齐全一周内可以放款，款贷下来一个公司给2000元的关系费就行。我们三公司因经营需要，就在黄的衔接下按其从邮政银行拿到的贷款所需资料清单开始提供资料。主要准备的资料有公司的所有证照、公司的银行对账单、公司的对外业务等多项可证明公司正常存续经营的材料。(在我们三公司按要求将所需资料提供后，黄说需要邮政上会进行审批，在等了一周后黄说邮政忙还没上会还要等，我公司认为实际情况和黄原来承诺的有出入，觉得该款不贷可以。同时因为业务需要，开始变更法人，temporary accident police love biography to medical integrated floor a layer of Security Center, Security Center can according to police love plans set, depending on, audio monitoring system will automatically Guide related camera, pickups collection related regional of depending on, audio signal sent to Security Center switch to specified displayed big screen Shang, for processing accident event provides according to and help. Car park management system can implement smart parking, parking management, parking management system with wireless sensors, access to the portal management, digital sensors monitor channel gate, parking information displays, parking management to meet the various requirements. Parking integrated management system can according to rehabilitation center managers requirements, configuration out entrance permission, charges standard, and votes card type, parameter, rehabilitation center management personnel can through TCP/IP agreement and parking integrated management workstation achieved remote online management. Rehabilitation Center of management personnel can set system management different level of permission, ensure system of each a a link security reliable; system has event track technology, avoid operation in the produced not real phenomenon of occurred. System parking management, automatic data backups on a regular basis to ensure data security, reliable, and complete. Three hours setting construction equipment monitoring and control system of building equipment monitoring system (1 to the building automation system, 2# building construction, this system only for medical and rehabilitation/f integrated) is controlled by computer and network technology Medical electrical equipment within a building, such as: air conditioning units, refrigeration units, various fan and water 并向工商部门递交了法人变更材料，将公司原法人代表:谢延霞变更为本人，同时告知黄昆款贷不下来就算了，黄说在去做做邮政的工作争取尽快上会，在四天后告诉我们邮政的贷款审批会通过了，需要我们各公司法人同时去邮政银行签署《小额贷款联保协议》《中国邮政储蓄银行小额联保借款合同》等相关协议，我当时向黄昆提出把需要签署的协议给我们一份样本，我们先看下合同的约定条款是否有异议的地方，黄说邮政银行不允许把合同带出来。合同上都是制式条款。只需要三个公司法人同时去邮政银行在合同上签字就可以了。(在此之前我们任何人没有见过合同，也没有任何人给我们讲过合同条款)。当时我们三公司法人因为工作原因，无法同时到场签字，我告诉黄，黄说他去找金建萍协调，半天后告诉我们已经协调好可以分别到邮政银行签署相关的协议。该种贷款要求我们三个法人共同到场，出示身份证原件和本人核准无误后并共同同意签订《小额贷款联保协议书》后才能与我们三公司分别签订《中国邮政储蓄银行小额联保借款合同》然后才能放贷款。我公司原法人代表谢延霞和兰州海纳商贸有限公司法人代表吴建设分别到邮政银行去签署协议时邮政银行信贷业务负责人金建萍称为了方便我们办理贷款手续，让我公司原法人代表谢延霞和兰州海纳商贸有限公司法人代表吴建设先在《小额贷款联保协议书》、《中国邮政储蓄银行小额联保借款合同》、《小额贷款(手工)借据》一次性把签字都签好。然后金建萍分别告诉我公司原法人谢延霞和兰州海纳商贸有限公司法人代表吴建设，说等兰州鑫远计算机工程有限公司法人代表邹磊来后将上述签署的合同签署后，再将发放贷款，到时候通知我们法人过来领款。在谢延霞和吴建设签署文件办理完上述手续后的第二天，我陪同邹磊及其父亲和黄昆一起到邮政银行签署协议，到邮政银行楼下后，黄说上去人多不方便，让我在楼下等由他带邹磊及其父亲签署协议，在上去20分钟左右，邹磊和其父亲下楼来，告诉我因认为所要签署的合同条款和前期黄说的内容不符，因此不能签署协议，款不贷了。我当即表示同意，邹磊和其父亲走后5分钟左右黄下来，告诉我因为邹磊不签署《小额贷款联保协议书》、 ystem of each a a link security reliable; system has event track technology, avoid operation in the produced not real phenomeure sonline management. Rehabilitation Center of management personnel can set system management different level of permission, ens tation center management personnel can through TCP/IP agreement and parking integrated management workstation achieved remotehabiliion center managers requirements, configuration out entrance permission, charges standard, and votes card type, parameter, replays, parking management to meet the various requirements. Parking integrated management system can according to rehabilitaton disgement system with wireless sensors, access to the portal management, digital sensors monitor channel gate, parking informativent provides according to and help. Car park management system can implement smart parking, parking management, parking manadent enal of depending on, audio signal sent to Security Center switch to specified displayed big screen Shang, for processing accive plans set, depending on, audio monitoring system will automatically Guide related camera, pickups collection related regiog to police lotemporary accident police love biography to medical integrated floor a layer of Security Center, Security Center can accordin2tion units, various fan and waterby computer and network technology Medical electrical equipment within a building, such as: air conditioning units, refrigera rollede building automation system, 2# building construction, this system only for medical and rehabilitation/f integrated) is contte. Three hours setting construction equipment monitoring and control system of building equipment monitoring system (1 to thcomplenon of occurred. System parking management, automatic data backups on a regular basis to ensure data security, reliable, and 《中国邮政储蓄银行小额联保借款合同》因此三方无法成立联保责任，所以邮政银行无法发放贷款，我明确告诉黄，款不贷了。黄说上去给金建萍说一声就走，大概有20份钟左右黄下来说给金已经说了款不贷了，说我们签署的文件过几天来领取，此后我们一直在向黄崔询退还签署文件之事，黄一直推脱说金建萍很忙很，过几天闲了就处理此事。直到2009年元月下旬，当时与我们同时办理该项贷款业务的一位朋友告诉我们说我们三家公司的贷款已经发放下来了，当时我们很纳闷，我们有一家的《小额贷款联保协议书》、《中国邮政储蓄银行小额联保借款合同》没有签署，，仅我们两家所签署的协议怎么会生效，款是如何发放的，为什么金建萍没有给我们通知让我们来领取。因没有金的电话我联系黄昆，问贷款的资料什么时候退还，黄还以金建萍太忙推脱，我告诉黄我当天必须要拿到退还资料，黄说马上联系。后告知我第二天早上到邮政取东西，次日一早，我到邮政银行。黄还未到，我正准备上楼找金建萍询问此事，黄电话让我等会说他马上就到。黄到后还说金在开会，说下午再说。我明确告诉黄说我必须第一时间要取到所有资料，黄无法，告诉我款确实已经发放，那天他在邹磊和其父亲走后到向金要到应邹磊签署的文件他进行了冒签，金建萍在邹磊没有在场也任何委托文件的情况下认可了该签字的有效性，款也放到我们三个法人个人账户后他一起领取，(账户由他拿我们三然的身份证复印件，在金的协调下在柜台开立)并将三十万贷款以更高的利息向东部市场的个体商户进行短期拆解(其中有所知的有才子服饰的苏云管等，和兰新市场的一个电器老板)，同时将该老板抵押给他的万国商厦的购房协议(黄给我们出具的证明上由提到，金建萍签字认可)出示给我看，并说这个钱由他来还，让我不要告诉我们三公司的法人，我在听完事实经过后明确告诉他，我必须第一时间告诉所有的公司。随后我电话三公司的法人及相关联系人，并明确说明此事的经过。在大家对事情沟通后我们决定先找金建萍了解此事后在进行报案，在我们找到金建萍后金建萍告诉我们邮政银行已给我们三个公司法人账户上发放贷款，然后在没有通知我们三个公司任何人的情况 3a building, such as: air conditioning units, refrigeration units, various fan and water medical and rehabilitation/f integrated) is controlled by computer and network technology Medical electrical equipment withiny for ystem of building equipment monitoring system (1 to the building automation system, 2# building construction, this system onlar basis to ensure data security, reliable, and complete. Three hours setting construction equipment monitoring and control sregul logy, avoid operation in the produced not real phenomenon of occurred. System parking management, automatic data backups on atem management different level of permission, ensure system of each a a link security reliable; system has event track technoet sysking integrated management workstation achieved remote online management. Rehabilitation Center of management personnel can sges standard, and votes card type, parameter, rehabilitation center management personnel can through TCP/IP agreement and parchar grated management system can according to rehabilitation center managers requirements, configuration out entrance permission,sensors monitor channel gate, parking information displays, parking management to meet the various requirements. Parking inte gitalement smart parking, parking management, parking management system with wireless sensors, access to the portal management, didisplayed big screen Shang, for processing accident event provides according to and help. Car park management system can impl cifiedGuide related camera, pickups collection related regional of depending on, audio signal sent to Security Center switch to speity Center, Security Center can according to police love plans set, depending on, audio monitoring system will automatically temporary accident police love biography to medical integrated floor a layer of Secur 下，也没有遵守邮政银行规定发放有贷款的存折时，必须由贷款公司法人亲自持身份证领取如有配偶的必须和配偶一起签字领取，双方一起到场领款的规定，将有30万贷款的三个存折全部交由黄昆全领走，但我们从未给黄昆办理过委托代理手续。我们在了解清楚事情的全部过程后，要求立即向公安机关报案，但金建萍却阻止我们报案，并承诺此款由她负责向黄昆追回，与我们没有任何关系该事情给领导(后我们从其他渠道了解到该领导叫方磊，已此事被降职调离原岗位)也汇报过。同时向我们出示了黄昆于2009年1月3日给她写的还款承诺书复印件。并在该承诺书上签字证明该复印件的真是有效性(已向法院提供)。在承诺书中所涉及的抵押物万国商厦的抵押合同为黄昆在高息放款时借款人抵押给他的。我们考虑到黄昆在承诺书中以明确写明该三十万贷款和我们三个法人没有任何关系，且又有金建萍的签字认可，和对我们的反复说这个事我们要报案他和相关领导都会收到单位的责任处分。我们本着与我们没有责任的情况下，暂时就没有去报案，但我们要求将我们签过字的合同退还，金说只有黄还完款才能退还，请我们能多谅解。在随后的时间里我们分别不间断的问过金建萍和黄昆的还款情况，金建萍说一直在还，并说黄先将兰州鑫远计算机工程有限公司法人邹磊名下的款已还清，兰州海纳商贸有限公司法人吴建设名下和甘肃世通网络科技有限公司法人代表谢延霞的贷款偿还了一部分，黄也说在还，我还问黄存折在那，黄说给金建萍了由金建萍保管。直到2010年2月中旬邮政银行金建萍电话我们说黄昆联系不到看我们是否能帮着联系，我们告知也无法联系，随后邮政银行律师李济宏律师联系我们说要让我们偿还黄剩余未还款，我们明确表明该事情我们没有任何还款的责任和义务的态度后。李济宏律师短信告诉我们说要起诉我们兰州海纳商贸有限公司法人吴建设我公司法人，并在短信里说因为我们一直在还款，所以证明款是我们借的。在我们言辞指正事实真实性后。在2010年3月28日以个人诉讼的方式将我公司法人谢延霞及海纳公司法人吴建设起诉到贵院。之后又因为发现三方联保协议的邹磊签名为冒签，为混淆合同责任关系又主动 complenon of occurred. System parking management, automatic data backups on a regular basis to ensure data security, reliable, and ystem of each a a link security reliable; system has event track technology, avoid operation in the produced not real phenomeure sonline management. Rehabilitation Center of management personnel can set system management different level of permission, ens tation center management personnel can through TCP/IP agreement and parking integrated management workstation achieved remotehabiliion center managers requirements, configuration out entrance permission, charges standard, and votes card type, parameter, replays, parking management to meet the various requirements. Parking integrated management system can according to rehabilitaton disgement system with wireless sensors, access to the portal management, digital sensors monitor channel gate, parking informativent provides according to and help. Car park management system can implement smart parking, parking management, parking manadent enal of depending on, audio signal sent to Security Center switch to specified displayed big screen Shang, for processing accive plans set, depending on, audio monitoring system will automatically Guide related camera, pickups collection related regiog to police lotemporary accident police love biography to medical integrated floor a layer of Security Center, Security Center can accordin4tion units, various fan and waterby computer and network technology Medical electrical equipment within a building, such as: air conditioning units, refrigera rollede building automation system, 2# building construction, this system only for medical and rehabilitation/f integrated) is contte. Three hours setting construction equipment monitoring and control system of building equipment monitoring system (1 to th 将对吴建设的起诉撤诉，而达到脱离该纠纷的事实将甘肃世通网络科技有限公司法人起诉审理的目的。 在城关法院在就此纠纷在2010年6月9日正式开庭后，由于我们出具了由金建萍签字证实的黄昆的的还款承诺书。法官认为事实明确，并告知邮政银行诉讼代理人，邮政银行诉讼代理人在和邮政银行沟通后当庭撤诉贵法院同时出具了民事裁定书。在该事情撤诉后我们认为该事情已经了结。但在2010年8月6日我们又接到城关法院的通知告诉我们邮政银行对我法人又就此事进行了诉讼。 以上是该案件的事实经过:在此我就本案提出以下几点质疑供贵院在审理过程中，做以对事情的公允性的评判参考: 一、邮政银行向法院提供的《中国邮政储蓄银行小额贷款联保协议书》及相关所有文件中邹磊的签字是虚假的，当时我们在与邮政银行协商贷款事宜时，因邹磊不同意在该联保协议文件上签字，所以邮政银行就不同意给我们办理贷款。但是现在邮政银行向法院出具的《小额贷款联保协议书》等全套材料中却有了邹磊的签名，该签名明显是有人故意冒签，而在我们签署《中国邮政储蓄银行小额联保借款合同》依据条款上是以三方共同签署《中国邮政储蓄银行小额贷款联保协议书》合法有效该协议才成立合法有效的。由于《中国邮政储蓄银行小额贷款联保协议书》里的邹磊签名系黄昆冒签，因此邮政所提供的所有相关我们签署的协议应为无效协议。我们不应承担协议所约定的责权义务。 二、因为该贷款发放在个人存折帐户，存折没有给到贷款人的手里应视为借贷双方未最终履行完毕双方约定的协议内容，因此该协议应视为未履行完毕协议，即无效协议。而邮政银行员工金建萍无视邮政银行规定发放有贷款的存折时，必须由贷款公司法人亲自持身份证领取如有配偶的必须和配偶一起签字领取的规定，在黄昆没有我们三个公司任何公司和法人的授权情况下，将存有款项的存折全部交给黄昆，而且事前事后没有对我们任何公司进行告知。而邮政银行在起诉书上只字不提该细节，我们认为是邮政银行有意回避该企业应管理不 logy, avoid operation in the produced not real phenomenon of occurred. System parking management, automatic data backups on atem management different level of permission, ensure system of each a a link security reliable; system has event track technoet sysking integrated management workstation achieved remote online management. Rehabilitation Center of management personnel can sges standard, and votes card type, parameter, rehabilitation center management personnel can through TCP/IP agreement and parchar grated management system can according to rehabilitation center managers requirements, configuration out entrance permission,sensors monitor channel gate, parking information displays, parking management to meet the various requirements. Parking inte gitalement smart parking, parking management, parking management system with wireless sensors, access to the portal management, didisplayed big screen Shang, for processing accident event provides according to and help. Car park management system can impl cifiedGuide related camera, pickups collection related regional of depending on, audio signal sent to Security Center switch to speity Center, Security Center can according to police love plans set, depending on, audio monitoring system will automatically temporary accident police love biography to medical integrated floor a layer of Secur5a building, such as: air conditioning units, refrigeration units, various fan and water medical and rehabilitation/f integrated) is controlled by computer and network technology Medical electrical equipment withiny for ystem of building equipment monitoring system (1 to the building automation system, 2# building construction, this system onlar basis to ensure data security, reliable, and complete. Three hours setting construction equipment monitoring and control sregul 善而造成不必要的损失的过失细节，以达到将该责任和损失推卸到我们公司法人身上的目的。试问任何人或单位在银行填写资料、协议后银行却将唯一可以取款的卡或存折在填写资料和当事人不知情的情况下交与不相关的第三方，能视为将卡或存折内的资金给予填写资料或协议的单位或个人吗。 三、我公司法人在签署《中国邮政储蓄银行小额联保借款合同》时邹磊并未签署《中国邮政储蓄银行小额贷款联保协议书》，按该项业务贷款规定，就不能签署《中国邮政储蓄银行小额联保借款合同》，而金建萍却以方便我们贷款为由，让我们在《中国邮政储蓄银行小额联保借款合同》上签字，因此该协议的是否具备有效性。 四、邹磊未签署任何协议也没有去设立任何存，谁设立的，一直在谁手中。如果说谁设立了存折就一定把钱给了谁，该问又如何解释。 五、在《中国邮政储蓄银行小额贷款联保协议书》第6条第1款明确规定:“保证方式为连带责任保证，任一联保小组成员向甲方借款均由连保小组的所有成员提供连带责任保证”。那么在该协议中组成的联保小组成员是三公司法人谢延霞、吴建设和邹磊三人，若按此协议条款约定应起诉我们三人共同为被告，但是邮政银行为什么不起诉邹磊，而只起诉甘肃世通网络科技有限公司法人代表谢延霞和兰州海纳商贸有限责任公司吴建设两人,此行为纯属是故意回避此案中的邹磊冒签和企业管理失误事实。 六、我们无论在和邮政银行的律师还是业务主管人在就此事的沟通上，还是在邮政银行的起诉书里都一直在强调把款放到了我们名下的的存折上，而且有还款事实。但通过金建平给黄昆于2009年1月22日写的还邹磊名下10万元贷款的收条，和由金建萍签字认定的黄昆的承诺书都足以证明，款是黄昆拿的，还也是黄昆还的。如果是我们拿钱黄昆有什么理由去还款 特别说明 1、 在我们上诉到中级人民法院后，在开庭审理过程中，邮 complenon of occurred. System parking management, automatic data backups on a regular basis to ensure data security, reliable, and ystem of each a a link security reliable; system has event track technology, avoid operation in the produced not real phenomeure sonline management. Rehabilitation Center of management personnel can set system management different level of permission, ens tation center management personnel can through TCP/IP agreement and parking integrated management workstation achieved remotehabiliion center managers requirements, configuration out entrance permission, charges standard, and votes card type, parameter, replays, parking management to meet the various requirements. Parking integrated management system can according to rehabilitaton disgement system with wireless sensors, access to the portal management, digital sensors monitor channel gate, parking informativent provides according to and help. Car park management system can implement smart parking, parking management, parking manadent enal of depending on, audio signal sent to Security Center switch to specified displayed big screen Shang, for processing accive plans set, depending on, audio monitoring system will automatically Guide related camera, pickups collection related regiog to police lotemporary accident police love biography to medical integrated floor a layer of Security Center, Security Center can accordin6tion units, various fan and waterby computer and network technology Medical electrical equipment within a building, such as: air conditioning units, refrigera rollede building automation system, 2# building construction, this system only for medical and rehabilitation/f integrated) is contte. Three hours setting construction equipment monitoring and control system of building equipment monitoring system (1 to th 政储蓄银行在邹磊签字一事的说明上，提供了伪证，当 庭说邹是当着金建萍的面签署文件的，但又说当时的监 控丢失了无法调取。 2、 我们在调查事情的经过时在侧面了解到在此事发生后， 由于我们同时举报了金融办及相关媒体，邮政银行调集 大量员工连夜加班，进行抽换单据，改换单据日期，补 打身份核查等一系列造价行为，将我们的相关单据及其 他类似的不合规贷款的手续进行合规造假，以应付检 查。(目前此事我们已正式投诉邮政银行总行) 以上所述均为事实，如有任何不实之处，愿承担法律责任。在此也恳请法院注重事实，主持公道公正判决。 证明公司: 甘肃世通网络科技有限公司(章) 法人代表: 指定代理人: et sysking integrated management workstation achieved remote online management. Rehabilitation Center of management personnel can sges standard, and votes card type, parameter, rehabilitation center management personnel can through TCP/IP agreement and parchar grated management system can according to rehabilitation center managers requirements, configuration out entrance permission,sensors monitor channel gate, parking information displays, parking management to meet the various requirements. Parking inte gitalement smart parking, parking management, parking management system with wireless sensors, access to the portal management, didisplayed big screen Shang, for processing accident event provides according to and help. Car park management system can impl cifiedGuide related camera, pickups collection related regional of depending on, audio signal sent to Security Center switch to speity Center, Security Center can according to police love plans set, depending on, audio monitoring system will automatically temporary accident police love biography to medical integrated floor a layer of Secur7a building, such as: air conditioning units, refrigeration units, various fan and water medical and rehabilitation/f integrated) is controlled by computer and network technology Medical electrical equipment withiny for ystem of building equipment monitoring system (1 to the building automation system, 2# building construction, this system onlar basis to ensure data security, reliable, and complete. Three hours setting construction equipment monitoring and control sregul logy, avoid operation in the produced not real phenomenon of occurred. System parking management, automatic data backups on atem management different level of permission, ensure system of each a a link security reliable; system has event track techno