Lawyer Ta Anh Tuan (Director of Emme Law LLC, Hanoi Bar Association) - the representative of Mr. Pham Huy Anh (residing in Bai Chay ward, Ha Long city, Quang Ninh province) who is being asked by the Export-Import Commercial Joint Stock Bank (Eximbank) to pay a debt of more than VND 8.83 billion - said that there are many issues that need to be investigated and understood, from the card issuance to the withdrawal process...
In particular, the bank said it had called and sent documents many times asking Mr. Pham Huy Anh to pay the debt, but he said he had never received them.
“We and our client are preparing procedures to work with Eximbank to have multi-dimensional information and look at the issue from many angles. Currently, we have only grasped the initial information and it is one-sided as reported by the press” - Lawyer Ta Anh Tuan said.
It is expected that next week, the lawyer and client will work with Eximbank.
As Lao Dong reported, Mr. Pham Huy Anh (residing in Bai Chay ward, Ha Long city, Quang Ninh province) was informed by Eximbank that he had a debt of 8.55 million VND since 2013 and after 11 years of not paying, the total outstanding debt now amounts to more than 8.83 billion VND.
Responding to the press, Mr. Huy Anh said that in March 2013, he asked an employee working at the Eximbank branch in Quang Ninh to make him a credit card, but in reality he did not receive the credit card.
Four years later (2017), when he needed to borrow money from the bank, he was shocked to learn that he had bad debt with Eximbank. Therefore, he proactively went to the Eximbank Quang Ninh branch to verify and was informed that he had signed to receive the card.
When Mr. Huy Anh asked why he was not notified immediately when interest and debt arose, and why there was a phone number that was not his in the card opening file, the bank replied that they had contacted him at a phone number that was not his and could not be contacted. Mr. Huy Anh also asked why they could not contact him at the remaining phone number that he was still using, but the bank could not answer...
According to Mr. Huy Anh, at that time he proposed to accept returning the principal of 10 million VND in the credit card and pay another 10 million VND as a penalty fee, even though he had not spent this amount and did not know about the existence of this credit card. However, the bank did not agree, insisting on full payment of both principal and interest, which at that time amounted to more than 63 million VND.
After many meetings, the two sides could not agree on a plan and by the end of 2023, the total debt that the bank required Mr. Pham Huy Anh to pay was more than 8.83 billion VND.
Currently, the Inspectorate of the State Bank of Vietnam, Quang Ninh Branch, requests Eximbank, Quang Ninh Branch to submit a written report on the incident.
Source
![[Photo] Prime Minister Pham Minh Chinh chairs Government Conference with localities on economic growth](https://vstatic.vietnam.vn/vietnam/resource/IMAGE/2025/2/21/f34583484f2643a2a2b72168a0d64baa)
Comment (0)