According to the situation you described, this involves the legal issue that the gold collateral is redeemed by a third party. From the legal point of view, this situation needs to focus on the following key points: first, you need to confirm the specific terms of the mortgage contract between you and the mortgage bank, especially the agreement on the right of redemption. If the contract clearly stipulates that only you, as the mortgagor, have the right to redeem, the unauthorized redemption by a third party may constitute a breach of contract. Secondly, it is necessary to verify the legitimacy of third-party redemption. According to the relevant provisions of the Civil Code, unless expressly authorized by you or in compliance with legal conditions, a third party has no right to dispose of your collateral without authorization. It is recommended that you immediately ask the mortgage bank for the redemption voucher to know whether the specific process and procedures of redemption are legal. Third, if the redemption is confirmed without your consent, you can consider the following ways to protect your rights: 1) require the mortgage bank to bear the liability for breach of contract; 2) Claim the return of collateral or compensation for losses from a third party; 3) If you are suspected of a criminal offence, you can call the police. It is recommended that you collect the following evidence as soon as possible: original mortgage contract, redemption certificate, transaction records with the mortgage bank, etc. If the amount is large or the situation is complex, it is recommended to entrust professional lawyers to intervene. If necessary, I can help you further analyze the specific case.
#Creditor's rights and debts
Hunan Yueyang
The following is your analysis of the other party's claim for interest calculation: Whether interest is stipulated in the debit note Agreed interest -If you explicitly agreed on the calculation method and interest rate of interest in the IOU or loan agreement at the beginning, it will generally be handled according to the agreement. However, according to the law, the interest rate of the loan shall not violate the provisions of the state on limiting the interest rate of the loan. For cases accepted after August 20, 2020, the upper limit of judicial protection of private lending interest rate is four times the quoted interest rate of one-year loan market when the contract is established. -If you have already paid almost, but have not specified whether to repay the principal or interest, according to the general trading habits and legal provisions, you will usually offset the interest first and then the principal. Unspecified interest -According to the provisions of the Civil Code, if there is no agreement or unclear agreement on the payment of interest in the loan contract between natural persons, it is deemed that there is no interest. Therefore, if there is no interest agreement between you, the other party's request for interest calculation may not be supported by the court. However, if the loan contract is a loan contract between a natural person and a legal person or an unincorporated organization, and the parties have no clear agreement on the loan interest, and the lender claims the interest, the people's court shall determine the interest based on the content of the private loan contract and the local or parties' trading methods, trading habits, market quoted interest rates and other factors. Limitation of action The loan from 2003 to 2004 may involve the limitation of action. Generally, the limitation period of action for requesting the people's court to protect civil rights is three years. If the other party has not claimed any rights against you within three years after the expiration of the repayment period, and there is no interruption or suspension of the limitation of action, you can raise a defense against the limitation of action. Once the court determines that the limitation of action has passed, the other party will lose the right to win the lawsuit. However, the limitation of action may be interrupted if: -If the other party has claimed rights to you during the limitation period, such as requiring you to repay money through written letters, SMS, Tencent, etc., then the limitation period will be recalculated from the date of claim. -If you have made partial repayment during the limitation period, it may also be deemed as the interruption of the limitation period. proposal Collect evidence: you need to collect relevant evidence of borrowing and repayment at that time, such as IOUs, transfer records, repayment vouchers, chat records, etc. These evidence can prove important facts such as the amount of borrowing, repayment and whether interest has been agreed. Actively respond to litigation: if the other party has already filed a lawsuit, you need to submit a statement of defense within the specified time and attend the court hearing on time. During the trial, you should clearly state your views and reasons, and provide corresponding evidence support. If you are not familiar with the legal procedures, you can also consider appointing a lawyer to represent you in litigation.
#Creditor's rights and debts
Hunan Yueyang
If there is no agreed interest for lending money to others, whether the interest can be calculated depends on different situations: During the loan period According to the second paragraph of Article 680 of the Civil Code of the People's Republic of China, if the loan contract does not stipulate the payment of interest, it is deemed that there is no interest. Therefore, if the two parties did not agree on the interest when borrowing, the lender's claim for the interest during the loan period would not normally be supported by the court. Overdue repayment Even if no interest is agreed upon at the time of borrowing, if the borrower fails to repay the loan within the agreed time limit, the lender may claim the overdue interest. The details are as follows: Agreed overdue interest: if the borrower and the borrower agree on the overdue interest rate, the lender may require the borrower to pay overdue interest as agreed, provided that the interest rate does not exceed four times the one-year loan market quoted interest rate when the contract is established. Unspecified overdue interest rate -If neither the interest rate within the borrowing period nor the overdue interest rate has been agreed, the lender may claim that the borrower shall bear the liability for breach of contract for overdue repayment from the date of overdue repayment with reference to the interest rate standard of one-year loan market quotation at that time. -If the interest rate within the borrowing period is agreed but the overdue interest rate is not agreed, the lender may claim that the borrower shall pay the interest during the period of fund occupation at the interest rate within the borrowing period from the date of overdue repayment. Loans other than loans between natural persons For a loan contract between non natural persons, if the parties are unclear about the loan interest and the lender claims the interest, the people's court shall determine the interest based on the content of the private loan contract and the local or parties' trading methods, trading habits, market quoted interest rates and other factors.
#Creditor's rights and debts
Hunan Yueyang
It is necessary to judge whether the court can apply to calculate the interest according to different situations: No interest agreed in the debit note Loans between natural persons: according to the second paragraph of Article 680 of the Civil Code of the People's Republic of China, loans between natural persons are deemed to have no interest. Therefore, if both the lender and the borrower are natural persons and there is no agreement on interest in the IOU, no interest can be claimed during the loan period. -However, if the borrower fails to repay the loan within the agreed period, the lender may claim the interest during the period of fund occupation from the date of overdue repayment. According to the relevant judicial interpretation, the lender can calculate the interest on overdue repayment by referring to the then one-year loan market quotation rate standard. Borrowings where one party is not a natural person: if one of the borrowers and lenders is not a natural person and the lender claims to pay the interest when there is no agreement on the interest in the loan slip, the people's court shall determine the interest based on the content of the private lending contract and the local or parties' trading methods, trading habits, market quoted interest rates and other factors. Intra term interest is stipulated in the debit note, but overdue interest is not stipulated -If the borrower fails to repay the loan on time when the loan term interest is specified in the loan terms, the lender may claim to pay the interest during the period of fund occupation at the interest rate within the loan term from the date of overdue repayment. The calculation method of overdue interest is stipulated in the debit note The lender may claim the interest from the date of overdue repayment to the court in accordance with the overdue interest calculation method agreed in the IOU, but it should be noted that the agreed overdue interest rate shall not exceed four times the one-year loan market quotation rate when the contract is established, and the court will generally not support the overdue interest rate. To sum up, you can claim the corresponding interest from the court according to the specific agreement of the IOU. At the same time, you should pay attention to bringing a lawsuit within the limitation of action to avoid losing the right to win the lawsuit due to exceeding the limitation of action.
#Creditor's rights and debts
Hunan Yueyang