Millions of disputes can be solved with one move! The person concerned does not leave the house and does not spend a cent

"Efficient! Convenient! No need to travel, no need to spend money, really did not expect things to be resolved so smoothly!" The party Chen could not help sighing.

Recently, Feng Zhijian, the mediator of Guangzhou Zengcheng Court, and He Yulin, the quick judge of the case filing court, used the online multiple dispute resolution platform of Guangzhou Court to mediate a financial loan contract dispute case with the subject amount of 1 million yuan before the lawsuit, and immediately completed the judicial confirmation, realizing that the parties can complete online mediation without leaving their homes and spending a penny.

Case review: Borrowed 1 million yuan from the bank but failed to repay as promised

A few years ago, Mr. and Mrs. Chen, who lived in Xuwen County, Zhanjiang, went to Zengcheng, Guangzhou to do business. Because of the urgent need for funds to be put into operation, they used their houses as collateral loan guarantees. On September 27, 2017, they signed the Personal Loan Loan Contract and the Personal Loan Independent Monthly Supply Agreement with the Guangzhou Branch of China Merchants Bank, agreeing to borrow 1 million yuan from the bank for a period of 120 months, The borrower shall repay the principal and interest in equal monthly amounts in accordance with the contract. In October of the same year, the plaintiff China Merchants Bank issued a loan of 1 million yuan in accordance with the contract.

However, the good times are not long. Due to various reasons such as the impact of the epidemic, the self-employed business of Mr. and Mrs. Chen gradually appeared "unable to make ends meet", and it was still difficult to reverse the situation of losses after insisting on operating for a period of time. Since April this year, Mr. and Mrs. Chen have failed to repay as agreed. After the failure of repeated urging by China Merchants Bank Guangzhou Branch, they claimed that Mr. and Mrs. Chen were in breach of contract and wanted to file a lawsuit in Zengcheng Court. Because the facts of the case were relatively clear, the staff in the filing hall of Zengcheng Court first guided the pre litigation mediation.

Mediation "zero distance": judicial confirmation of joint debugging before online litigation

The mediator shall communicate according to the situation of the case, and after the parties agree, the case will enter into pre litigation joint debugging. "This is the operation process of our online platform, please log in according to the guidance input information." Mediator Feng Zhijian taught online, step by step guiding the parties how to use the online mediation platform. Recently, through the online multiple dispute resolution platform of Guangzhou Court, the parties clearly "met" and the mediator Feng Zhijian began to preside over the mediation.

Chen said he was sorry and explained that he was not maliciously overdue in repayment, but that his business suffered serious losses and had to stop under pressure, leading to the rupture of the capital chain. However, we have been trying to raise funds to repay the debts owed to the bank, but it only takes a little time.

As an enterprise, the bank also understands the difficulties of merchants. The bank side said that as long as it has a positive attitude towards repayment, it is also willing to give the respondent a few months to buffer funds.

The two parties reached a final mediation plan in an atmosphere of mutual understanding. Later, He Yulin, the judge in charge, seamlessly connected with the mediator and gave online guidance. On the same day, the judicial confirmation was completed online, and the dispute was successfully resolved.

"Zero charge" for dispute resolution: target million, free mediation before litigation

"Judge He, don't you really have to pay any fees?" After the mediation, both parties raised the same doubts, and Judge He Yulin patiently explained to them again that "zero fees": "Because the case has not entered the litigation stage, according to the regulations, the mediation court before the litigation does not charge any fees."

In the process of pre litigation mediation, Zengcheng Court used the online multiple dispute resolution platform of Guangzhou Court to resolve disputes efficiently and conveniently. This not only saves the judicial costs of the parties concerned, but also solves the business worries of enterprises and creates a good business environment for the development of enterprises.

For this reason, China Merchants Bank Guangzhou Branch, the party concerned, also made a special trip to Zengcheng Court for filing, and presented a banner to He Yulin, the judge in charge, and Feng Zhijian, the mediator. Chen and his wife, who were far away in Xuwen County, Zhanjiang, made a special call to Zengcheng Court and sighed: "Through this case, we deeply realized that the people's court is for the people!"

Article and picture/Guangzhou Daily · New Flower City reporter: Articles of Association Correspondent: Law Promotion

(The original title was "Millions of disputes, one move to resolve! The parties do not leave the house, do not spend a cent")

Edited by Gao Yuan Reviewed by Han Shaojun Reviewed by Zhang Xuesong and Li Linxi