Dong Qiangqiang's Story of Leaving Germany

Looking at the three people with different expressions, the legal officer was confused and didn't know why.

Wen De quickly described the whole incident while avoiding the important points, and finally lightly mentioned Dong Qiangqiang's dissatisfaction and reservation of the right to sue. At this time, even the legal officer could clearly see the embarrassment written on the duo's faces.

Dong Qiangqiang also had a clear view of the other party's embarrassment. He guessed that the duo may have never been so reviled before, and if he acted alone, he would definitely not achieve this effect. In the final analysis, it was because he had a lawyer that the other party was so aggressive.

Realizing that there were flaws in the duo's approach, the legal counsel skillfully signaled Wen De and the woman to leave the conference room first, and she would be responsible for subsequent communication with Dong Qiangqiang and the lawyer.

The duo left in a hurry with relief. After seeing off their colleagues, the legal officer immediately closed the door of the conference room. He turned back and smiled at Dong Qiangqiang, while apologizing for the poor reception of his colleagues.

Dong Qiangqiang originally felt guilty. The temporary money he lent to his classmates for the extension of the contract became a handle. He did not expect to catch the other party's unexpected omissions. Naturally, he would not let go of this golden opportunity to deal with it. In addition, he had the support of a lawyer. , his already tough back straightened even more at this moment, and he immediately pointed out rudely: As a listed company, the bank has no respect for its customers at all. The customer has been in the door for a long time and has not even had a drink of water. This is exposed Not only did he have the problem of poor reception, but what made him even more unhappy was the attitude and tone of the duo's questioning. He was communicating as a client, not as a prisoner being interrogated.The attitude of the duo, especially the woman, made him feel that the bank was discriminating against him. Although the other party did not admit it, he believed that this was racial discrimination. The lawyer was also present, which could prove that what he said was true. Finally, when it came to the emotional part, Dong Qiangqiang deliberately He made a gesture of "I can't wait to shoot the crime and leave immediately".

Dong Qiangqiang's acting showed his true feelings and his logic was self-consistent. Even though the legal officer knew that he was on the line, he did not dare to show a trace of doubt or neglect. He immediately brought two bottles of mineral water and placed them in front of him, gently reminding him to moisten his throat before complaining. Not too late.

Thanks to the tour group, Dong Qiangqiang has seen many brands of mineral water in his travels. He knew that the mineral water the other party brought was high-end mineral water from Luxembourg. Even though a small bottle only has 300ml, the price is more than ten euros a bottle. This time Didn't fool him.

Seeing the legal officer hand over the ladder, Dong Qiangqiang was happy to get down the slope. After all, he lent money to his classmates and was afraid that the other party would investigate further. He immediately asked the legal officer to explain in detail what red lines he had encountered that would cause the bank to classify his account as suspicious, and then The account was frozen without stopping and without allowing him to explain.

Seeing that Dong Qiangqiang and the lawyer no longer mentioned "discrimination" and "litigation," the legal officer continued with a professional smile: "Germany has always done a very good job in combating money laundering, especially after the September 911th incident, the German federal government established a special The Financial Intelligence Service focuses on combating many financial crimes, including money laundering. It is not only to prevent criminals from entering illegal economic activities in Germany through drugs, weapons trading, human trafficking, robbery and smuggling, but also to prevent financial crimes from becoming terrorism. Since then, German financial institutions such as banks, asset management companies, investment institutions and insurance companies must promptly report to the Financial Intelligence Agency all movements in accounts they consider suspicious, no matter how insignificant the suspect may seem."

Dong Qiangqiang was quite disapproving of these high-sounding words: If Germany did well, would it still need to establish a Financial Intelligence Agency?It is obvious that the new organization was established because it did not do well enough.Since the other party did not take the initiative to say that he had any problems, it meant that the bank was just suspicious and had no proof. Thinking of this, he picked up the form printed by the woman and asked: "So, the bank thinks that money has been transferred in and out of my account." Is that why it’s suspicious? Or is it because the police asked me to freeze my account because they thought I was a criminal?”

"Of course not." Legal Affairs immediately rejected Dong Qiangqiang's speculation, "The bank just needs you to submit proof of the source of the relevant funds."

Before Dong Qiangqiang could speak again, the lawyer said first: "Please explain to the legal counsel what the bank's basis for suspecting my client is, otherwise my client can refuse to provide it." That's right, Mr. Dong opened a student account with his university student ID card , the account expenses and income have been very stable, but there have been many large amounts of funds coming in and out from the end of last year to today. These transfer records are obviously inconsistent with Mr. Dong’s income and expenditure habits.In accordance with the German Anti-Money Laundering Act and the obligations of the account holder clearly stated by the bank when opening the account, the bank can require Mr. Dong to clarify the sources of the two funds. Mr. Dong also knew and agreed to this when opening the account. This is It is the document and signature when you opened the account. "The legal officer said as he handed Dong Qiangqiang all the documents he signed when he opened the account. Dong Qiangqiang didn't read these basic terms carefully when he signed the documents. "As for freezing the account, it is just the bank's normal risk control process, and there is nothing against Dong Qiangqiang. The bank has always opposed any discrimination against Mr.However, the bank does need Mr. Dong to provide proof and report it to the Financial Intelligence Bureau accordingly. "

The lawyer was still arguing, and Dong Qiangqiang thought to himself: Even if he can get away with not providing it this time, if something similar happens again next time and he still can't get around the bank's risk control, he might as well try to solve the problem once and for all this time. If something like this happens again, the bank will not freeze his account in a hurry even if he is asked to explain.But he was angry when he saw the seriousness of the legal affairs. If a prince from the Middle East came to Germany to study, would he also have to submit a certificate?To put it bluntly, he still looked down on others, but he could only think about it. It was pointless to say that before he had absolute strength, complaining was just complaining after all.

"Which amount of money do you need me to explain?" Dong Qiangqiang stopped.

"Actually, these all need explanation." The legal officer drew a circle on the paper with a pen and circled several transfers with an amount of more than a thousand.

"These transfers (amounts exceeding one thousand) are all from me paying back the money to the other party." Dong Qiangqiang explained.

"Why did you borrow money from the other party?" The legal officer asked with interest, "Do you have an IOU?"

"Because my usual part-time job is related to leading tour groups, this job requires me to pay in advance, such as renting a car and gas, booking hotel rooms, ordering meals, booking tickets for tourist attractions, etc., but I cannot guarantee the amount of money I bring each time. I have enough money, so occasionally I will borrow money from my friends. Once I finish my work and get income, I will repay the money to my friends as soon as possible. Because most of my friends are students, no one can guarantee that they will have money at all times, so every time I will Borrowing from different people, that’s about it.”

"So all these debts of yours are due to work?" The legal officer's face showed no sign of belief or disbelief.

"Yes. I work very hard, so the travel agency sends me many tour groups. Because of this, I received a bonus of 3 euros at the end of last year, which was a transfer of 3 euros."

Dong Qiangqiang had previously confirmed that Lao Bai transferred [-] euros to himself using Lebai's company account in Germany. He believed that such a cautious person as Lao Bai would not make stupid mistakes in paying taxes, but he still couldn't help but pray that Lao Bai would be here. Don't be too clever.But he quickly thought: Even if Lao Bai made a mistake, he would have a chance to make up for it. At the worst, he would just have to pay taxes and fines as required by law.Thanks to Lei Lanting, he has already learned a lesson in this regard.