Lawyer: Start with legal retaliation against infidelity!

"Let me know more about it!"

Lin Yue nodded, asking questions as she ate.

Upon hearing this...

Chen Jingshan was silent for a moment, then let out a long sigh and slowly said:

"The defendant is a local bank in Haicheng. As for the matter... well, the money was deposited, but it can't be withdrawn."

In short, the words are brief, but the information is abundant!

bank!?

Xu De immediately understood.

There are many banks in Dongguo, the main ones being the four major banks, but that doesn't mean there are only these four banks.

For example, local banks, as well as some private banks.

Most people deposit their money in large banks and earn interest, but the interest rates between different banks can vary significantly.

State-owned banks are doing well; interest rates are generally at a normal level.

Some smaller banks, in order to attract customers to deposit their money, will raise interest rates to attract those who value interest rates!

And here's the problem: small banks... have very little credibility.

When you save money, you are God, their beloved grandfather.

But you want to withdraw money? Sorry, small amounts can be withdrawn, but for large amounts, you'll need to communicate... a lot of communication is required!

"Was it a small bank? To avoid a bank run, they were unwilling to lend money, and then this happened?"

Xu De asked tentatively, a hint of doubt showing on his face.

"Or is it that a corruption scandal has occurred within the bank?"

Lin Yue blinked, her clear eyes full of questions.

All I saw was...

Chen Jingshan shook his head slightly, remained silent for a long time, and finally spoke:

"Neither."

"The bank manager colluded with the insurance company; the money deposited in the bank... was turned into insurance policies."

Insurance policy?

The money I deposited in the bank... has become insurance!?

The moment the words were spoken, Xu De and Lin Yue in the cafeteria showed a slight look of surprise.

Depositing money is depositing money, and withdrawing money is withdrawing money; everyone can understand that. But... how did it become that when you try to withdraw money, the bank doesn't give you the money but instead gives you an insurance policy?!

"Do you think that's all?"

Chen Jingshan shook his head slightly and sighed.

"Things...are far more complicated than you think!"

......

......

at the same time.

Eastern Kingdom. Sea City.

"Director Yang, what's been happening in Haicheng lately? It seems so lively!"

"Hey, this is so interesting."

"In general, there was a transfer of benefits between the bank manager and an insurance company employee."

"When people are depositing money, subordinates deliberately use vague language, causing residents who came to deposit money to end up purchasing insurance."

"By the time it was discovered... hundreds of people were involved."

"This group of hundreds of people filed a lawsuit against the banks and insurance companies involved, acting as plaintiffs."

"However, this is not the core of the case. In addition... there is also the refusal to pay compensation."

This is Haicheng.

What kind of place is Haicheng?

One of the four first-tier cities in the East, it is the most prosperous city in terms of financial development among hundreds of cities, without exception!

If Xu De were to enter this city, he would feel a sense of "generational rupture," as its development is completely unlike that of 2003!

And within this bustling city.

In the city center, on the 32nd floor of an office building, on the floor with the sign "Hong Lang Law Firm".

VIP reception room.

On a Western-style sofa.

Two men, dressed in expensive suits, with perfectly styled hair and exuding a mature, elite aura, were exchanging words.

If you look closely...

One of them was none other than lawyer Xu Chen!

Xu Chen appears to be in his early thirties, but he has a mature and composed appearance. He is tall and exudes the aura of a career elite.

And in front of him...

Sitting there was Yang Wei, the deputy director and lawyer of Honglang Law Firm.

Yang Wei is 56 years old this year. He is out of shape and has an ordinary appearance. Logically speaking, he should be proud of his achievements as the deputy director of the 80th ranked law firm in the country.

But now...

Yang Wei's face revealed a slightly ingratiating... even fawning expression as he looked at the young man and said:

"Apart from banks purchasing insurance without authorization."

"In this case, the insurance company refused to pay compensation!"

Upon hearing this, lawyer Xu Chen raised an eyebrow slightly and smiled, "Refuse to pay? Don't the bank's victims just want their money back?"

"That's true, but reality is always unpredictable, isn't it?"

Deputy Director Yang Wei smiled and said:

"Among the victims, one person's mother suffered an acute illness and urgently needed money."

"After the bank issued the policy, he thought he might as well go all the way and directly claim compensation from the insurance company."

While bank staff were using persuasive tactics to deceive them.

They used to say things like, "Not only will you get interest, but you can also get medical treatment."

The man's mother also happened to be ill, and now that there was an insurance policy issued before the illness was detected, theoretically the bank had unintentionally done a good deed, which was extremely beneficial to the other party. However, a problem arose.

The insurance company refused to pay!

"The insurance company said that the policy is only effective in the event of accidental death."

"Common illnesses are not covered at all, so this person's claim will be rejected."

As Yang Wei spoke, a slight smile appeared on his face.

He admired both parties involved in the case for coming up with such a "legitimate and compliant" way to swindle money!

As for the person involved in the case... well, that's none of his business.

"After the incident, it caused a second sensation. Even the Haicheng City Public Security Bureau was extremely shocked by this case!" Yang Wei exclaimed in astonishment.

The words were spoken.

Even Xu Chen, a lawyer from Yanjing, couldn't help but raise an eyebrow, a hint of surprise flashing in his eyes.

The deposit was converted into an insurance policy.

However, the insurance policy won't pay you any money!

It's like we've fallen into a dead end; no matter how we go around in circles, we're unlikely to get paid!

It's no wonder that even the Haicheng Municipal Public Security Bureau was extremely shocked.

"Is this... robbery?" Xu Chen chuckled.

Yang Wei said, "This is nothing! What I'm about to say is robbery!"

talking.

The deputy director then spoke mysteriously:

"Attorney Xu, can you guess how much of their deposits were put into insurance?"

Insurance is tiered.

You can invest just 100 yuan, or 10000 yuan, or even hundreds of millions of yuan in premiums.

For ordinary people, an insurance policy costing one or two hundred is sufficient.

And what about savings?

In 2003, depositing money in a small bank was basically equivalent to withdrawing the entire family's assets from a large bank and then going to the small bank.

This is Haicheng, where wages are relatively high...

Let's not talk about hundreds of thousands, let's just say 100,000.

If someone deposits 100,000, and the bank takes a hundred or two to arrange insurance for you... it doesn't seem like much, like being bitten by a mosquito.

"Haha, if it were only this simple, the case wouldn't have escalated to this point!"

Deputy Director Yang Wei's smile grew even wider.

"Hey, the premium isn't just a hundred or two."

"That's all my savings!"

"Those victims went to the bank to deposit hundreds of thousands of yuan, but the small bank ended up giving all the money to insurance companies, paying hundreds of thousands of yuan in insurance premiums for the victims!"

All his assets? Hundreds of thousands!?

The moment those words were spoken.

Even Xu Chen, whose reputation was so bad that even sewer rats shuddered, was stunned when he heard this.

"Hundreds of thousands!?"

He was somewhat surprised.

Yang Wei nodded. "Yes! It's several hundred thousand!"

"The person who wanted the insurance company to pay out according to the policy had a full 25 in savings, his entire fortune was in the bank."

"As a result, the bank used all 25 yuan to buy insurance for him!"

"That's amazing?"

Xu Chen chuckled and said, "This business won't last long."

"They didn't intend to last long."

Yang Wei said, "In just a few months, they have scammed over a hundred people, with each person averaging at least six figures. Among them are middle-class elites with millions in savings. The total premiums for this case... may start at fifty million, and could very well exceed one hundred million."

Fifty million in cash.

Even a company with a market value of hundreds of millions could be bankrupted by taking out 50 million in cash. In the end, an insurance company and a bank manager managed to get it out of them!

Not to mention, this was 50 million in 2003!

"This case...you dare to take it?"

Xu Chen raised an eyebrow and looked at Yang Wei with a chuckle. Yang Wei leaned back on the sofa, shifted his posture, and appeared quite composed.

"after all."

"The number of people involved is incalculable."

Too many people are involved.

This 50 million is the "family property" of hundreds of people.

What is family property? Literally, it's all the assets of an entire family!

A family consists of a wife, husband, children, parents, and in-laws.

The included money also covers 'tuition fees', 'living expenses', 'retirement expenses', 'loan expenses', 'medical expenses', and so on.

Suddenly, all the money was taken away.

How will the children go to school? How will the parents take care of themselves in their old age? They might not even be able to afford food and will have to sleep on the streets!

So, while this sounds like it involves hundreds... it's actually quite unrealistic; the actual number of people would be more than three times that!

How many would that be? Thousands!

"Tsk, thousands of people..."

Xu Chen couldn't help but laugh after just imagining that scene:

"No wonder the city is getting restless."

"Are you willing to take this case?"

The words were spoken.

On the opposite sofa, Deputy Director Yang Wei laughed and said:

"I, Hong Lang, didn't take on the case. I only handled a few consultations."

"Besides... there's no risk in this case, and I can't see any chance of losing."

Speaking of which...

Yang Wei paused, then said:

"The case was split into two parts. One part was against the bank, but the money went to the insurance company. After the incident, a bunch of customers withdrew their money, resulting in very little cash flow for the bank."

"Leaving aside the fact that there are no laws to rule in favor of the plaintiff, even if... the judge were to rule in favor of the plaintiff..."

"What if the bank loses all its money, causing a bank run and affecting even more people?"

Once a bank run occurs, unless a miracle happens, the bank can basically wait to collapse.

How many people are affected when a bank fails?

It's definitely much bigger than the current case!

"Of course, the bank's case is not the main one, since the money is in the hands of the insurance company."

"so."

"In the second case, the insurance company is the real defendant!"

Yang Wei's tone carried a hint of surprise.

"First, there was the person whose mother fell ill, and realized they wouldn't be able to receive the normal policy compensation..."

He then applied for a refund of his insurance policy.

Cancelling an insurance policy, or canceling an insurance subscription, theoretically means that the money should be refunded.

only......

"The insurance policy has only been in effect for a few months, which is still within the first year."

"It's clearly stated in the contract that even after the 15-day cooling-off period, but still within the first year, if you want to cancel the policy, the company can only refund a maximum of 32%!"

Deputy Director Yang Wei spoke up, and to be honest, this was the first time he had ever witnessed such a scheme of getting something for nothing.

Want to claim compensation? You won't get any money unless you die!

Want to cancel your insurance? We'll only refund 30%!

in other words.

"That man named Zhang Can deposited 25 yuan in the bank, but the bank transferred the money to an insurance company. Even though it was less than half a year, he could only get back about 7.5 yuan if he wanted to withdraw it."

"Nearly 20 have vanished into thin air!" Yang Wei said.

A lifetime of hard-earned money, and in less than six months, 7% of it has evaporated!?

Putting aside everything else.

If the other party can only come up with 7.5 yuan, how will Zhang Can's mother, who is suffering from a sudden illness, survive? She won't!

This can no longer be called fraud.

This is blatant robbery!

But this "robbery" is legal and compliant!

"However, according to the relevant laws and regulations regarding contracts..."

"This contract is legally binding and is a normal contract. It is the bank, not the insurance company, that is in violation."

"So, the case has become what it is now."

Yang Wei smiled.

"The banks bear the primary responsibility, but they don't have the money."

"The insurance company has money, but it hasn't broken the law, so the court can't award the money back."

"That's the reality. The intermediate court in the first instance ruled in favor of the defendant. If Zhang Can and the other victims abide by the first instance judgment, they can only get back 30% of their money."

No wonder there's so much public discussion.

The case is a complete mess, with one idea becoming a double-edged sword!

Clever, so clever! These lawbreakers are far smarter than ordinary people who follow the rules; they accurately find loopholes in the law!

"And the insurance company maintains long-term cooperative relationships with several law firms, including the near-red-circle Yang Chang Law Firm and the near-red-circle Junhe Law Firm."

"There's no risk of losing the case, and the company can't find any illegal points, so why not take on the case?"

Yang Wei paused, looked at Xu Chen in front of him, and smiled:

"You're right, Attorney Xu?"

Xu Chen smiled, not seeming to care about the scale of the case involving thousands of people, and simply nodded, "Indeed."

then.

He stopped chatting and immediately stood up, saying:

"Alright, now that I've said what I needed to say, I won't stay any longer. I'll be going now."

The words were spoken.

He then stood up and walked outside.

Yang Wei hurriedly got up to see the guest off, and as he watched the other person's retreating figure, he couldn't help but ponder.

The other party's name is Xu Chen, a lawyer from Yanjing, a senior partner at the prestigious Jin Jun Law Firm... Who is Jin Jun? The top law firm in Dongguo!

At only thirty years old, a top-notch lawyer at thirty!

He is also a top lawyer at Jin Jun Law Firm, and his mentor is named "Wang Cheng," a top figure in the legal profession!

In that place, even the street cleaners can look down on the other street sweepers after get off work.

As for what the other party is doing in Haicheng...

There was no other reason than to discuss the cooperative relationship between Jin Jun's branch office in Haicheng and Hong Lang.

The two sides had a very good talk and even chatted for a while.

Not long after.

The two walked to the elevator.

"Haha, Attorney Xu is truly a prodigy at such a young age, to be valued by Attorney Wang..."

"You flatter me. There are things we can learn from Hung Lang Law Firm, and we have many talented people, such as Yan Mi, Attorney Yan..."

Xu Chen and Yang Wei stood at the elevator entrance, exchanging polite greetings with smiles.

In a daze.

"Ding~"

The elevator door opened.

A middle-aged man, who looked somewhat haggard, appeared in the elevator.

Xu Chen glanced at the other person, then quickly looked away and stepped into the elevator with a blank expression.

He assumed he was also someone coming downstairs, but unexpectedly...

The other person stepped out of the elevator and walked to Yang Wei's side.

"Huh? Attorney Zhou? The case in Yanzhou is finished!?"

Yang Wei's face lit up with surprise, and he raised an eyebrow as he looked at the person in front of him.

That's right, the person who came was none other than lawyer Zhou Ning, who had just returned last night!

Yang Wei glanced at the other person's side and asked, "Where's Attorney Yan? Didn't Attorney Yan come back with you?"

"He still has a lot of things to do at the institute."

tight?

Upon hearing this name...

Lawyer Xu Chen paused slightly inside the elevator.

He values ​​Hong Lang, which is inseparable from Hong Lang's considerable strength.

But more importantly, there are indeed a few lawyers in the opposing law firm who catch his eye!

And among them.

The top lawyer named Yan Mi made him think highly of him; Yan Mi's abilities were astonishing. The reason he came in person was actually to try and recruit him.

Unfortunately.

I couldn't find them this time.

Just as Xu Chen was feeling secretly disappointed and had no time to listen to the other person's idle chatter, he was about to press the button to close the elevator door.

In a daze.

The lawyer Zhou Ning in front of him looked at the puzzled Yang Wei, his lips moved for a moment, and suddenly his face turned bitter.

"Director Yang, Attorney Yan... he's in trouble!"

Something...something happened?

In an instant.

Inside the elevator, Xu Chen's hand paused as he pressed the button.

Yang Wei, deputy director of Honglang Law Firm, showed little emotion, only some doubt, and said:

"Something happened?"

"What could possibly happen to Attorney Yan, a top-notch lawyer?"

"Xiao Zhou, you'd better stop joking."

......

P.S.: There's one more chapter. Please read it in the morning; I'm rushing to finish the manuscript.