56: Lawyer Zhou, it's not that serious. There's no need.

"Ah? What did you say?"

Director Fang's expression was very bewildered at this moment, mainly because he didn't immediately grasp what it meant.

Situations like "I sue you, but the key evidence is in your hands, and I can still apply to investigate you" are actually very rare.

For example, in labor disputes or administrative disputes, some crucial evidence operates under the principle of reversal of the burden of proof.

It is up to the company and administrative organs to provide evidence, and the parties themselves do not need to investigate.

However, suing a Bank is very interesting. A Bank issuing loans is its right as a financial institution in the banking industry.

But at the same time, if the supervisory account is opened at this Bank, then the Bank will also become one of the supervisory entities.

Therefore, the current situation is formed.

At the very least, Director Fang had never seen such a situation before.

The lobby manager next to him slowed down his speech and said, "It's the Purple Royal Half-Mountain project from a few years ago. It was an unfinished project, right? Now, some property owners are suing our Bank."

"Then, the Lawyer commissioned by the other party has come with an investigation order to investigate the circumstances of the loans we previously issued for this project."

Director Fang finally heard clearly this time and stood up abruptly, "What the hell? They came with an investigation order? Is the Court crazy? They even issued this to him?"

The lobby manager did not speak; he couldn't respond to that.

Director Fang walked back and forth a couple of steps, then turned and said, "Are you sure the investigation order he's holding is valid?"

The lobby manager finally spoke again, "I checked it carefully; there's no problem. That Lawyer is from Jinghai, surnamed Zhou, and I don't know what his background is."

Director Fang was in a very bad mood.

There's a saying that goes, 'The person who wrongs you knows more about how wronged you are than you do.'

Similarly, Director Fang, who had worked at this branch for ten years, was very clear about the problems with the original project.

Those loans and such simply cannot be investigated; once investigated, they are guaranteed to be problematic!

When the real estate market was booming a few years ago, there were many irregularities.

The developers had to quickly circulate funds; if they didn't, how could they acquire new land? If they didn't acquire new land, how could the relevant departments get land sale revenue?

If they didn't acquire new land, how could the Bank make new loans? So, many times, these things would be suppressed, not subject to investigation, and ordinary people wouldn't be able to find them.

Just like there was an unfinished building project before, where some of the property owners were capable people, and the situation they uncovered left everyone speechless.

At that time, three hundred million yuan in pre-sale funds were collected, while the entire project only needed eighty million yuan to be built.

Of course, that was ten years ago, but even in that situation, it still ended up as an unfinished project.

Why? The pre-sale funds were collected, but before anything substantial happened, they were transferred out for various reasons, leading to the result that funds sufficient to build three communities ended up directly in an unfinished project.

Can the real estate industry make money? Of course, it can. People engage in risky businesses, but no one does business at a loss.

In those years, everyone knew that real estate bosses made a fortune.

What's the result now? A large number of real estate companies have died, but if you look closely, you'll find that a real estate company's bankruptcy has nothing to do with its boss, does it?

Do you understand what limited liability means?!

The key now is, how could the Court possibly issue an investigation order for this matter?!

Director Fang paced around again and finally said, "Let's go, let's go meet that Lawyer first. Anyway, this matter absolutely cannot be investigated!"

Soon, Director Fang and the lobby manager left the office and walked to the lounge area on the second floor.

From a distance, Director Fang smiled and said, "Lawyer Zhou, is that right? Oh, hello, hello!"

As he spoke, he extended his hand, his attitude absolutely impeccable.

Zhou Yun was sitting there leisurely drinking tea. Hearing this, he also stood up and extended his hand with a smile, "Hello, may I ask who you are..."

The lobby manager next to him spoke at the opportune moment, "Lawyer Zhou, this is Director Fang of our branch."

One of the rules for employees: even if the leader is a deputy, you absolutely cannot say "deputy."

Of course, if the full-time director is present, that's another matter.

Zhou Yun's smile deepened upon hearing this, "Director Fang, hello, hello."

Director Fang quickly waved his hand and said, "Deputy, deputy, Lawyer Zhou, please sit down."

"Um, Manager Wu told me you came with an investigation order to investigate a previous loan situation?"

Zhou Yun nodded, then handed over the documents in his hand, "Director Fang, please take a look. It's an investigation into your previous loan issuance for the Purple Royal Half-Mountain project."

Director Fang took the documents and began to read them carefully, smiling as he read, "Oh, Lawyer Zhou Yun, from Tianhe Law Firm in Jinghai, huh? You've come all the way to Linwu to handle a case."

Zhou Yun maintained his smile, "It's for a living, just trying to make ends meet."

Director Fang continued reading, but he felt a bit strange, as if he had seen the name Zhou Yun somewhere before; it seemed quite familiar.

After roughly reading through the documents, Director Fang continued, "Lawyer Zhou, I heard you're preparing to sue our Bank?"

Although Director Fang was smiling when he said this, anyone with an discerning eye could tell that he was already displeased.

But Zhou Yun still acted as if he didn't notice at all, saying, "Oh, yes, I am going to sue your Bank. After all, your Bank has money."

The smile on Director Fang's face disappeared. After a few rounds of exchanges, he felt that the young man opposite him didn't seem like a young man at all, but rather like an old hand.

However, an old hand was fine; the other party understood propriety and knew when to advance and retreat.

Thinking of this, Director Fang spoke again, "Lawyer Zhou, then I must tell you that although the Court has issued an investigation order to you, we currently have an objection to this investigation order."

"Our issuance of loans to the Purple Royal Half-Mountain developer is a matter between our Bank and this developer, and you, the property owners, are merely third parties and do not have the right to investigate our loan issuance situation."

"So you understand, right? According to the Commercial Bank Law, our Bank has an obligation to ensure financial security. There are so many scams now, so please understand."

"If the Court deems it necessary, then let the Court investigate it itself; we will absolutely cooperate."

Zhou Yun nodded upon hearing this, "Oh, so that's how it is, Director Fang. So, that means you don't recognize the investigation order, and you won't cooperate with the investigation, right?"

Zhou Yun's summary instantly bewildered Director Fang, "No, Lawyer Zhou, I just said so much, and you are a professional Lawyer. What kind of..."

This summary was simply indescribable.

"We are not not recognizing the investigation order; we have an objection. We feel that you are a third party..."

Zhou Yun directly interrupted the other party's explanation this time, "Then that means you don't recognize the investigation order, right? My summary is correct."

"Look, Director Fang, since I can obtain this investigation order, it means the Court has already considered my status as a third party."

"You're just saying that the Court's people don't understand the law as well as you do, right? My understanding is correct, isn't it?"

Director Fang: "???"

What kind of nonsensical understanding was this? But he couldn't refute it now, because according to the other party's logic, that was indeed what he meant.

It is normal to disagree with the Court's views; the most common situation is an appeal.

If I believe the first-instance judgment is problematic, I appeal, and the first-instance Court certainly cannot say anything.

But an investigation order is different. There is no formal legal provision for it, and its validity inherently has some issues.

Therefore, in the past, let alone Banks, some people in large state-owned enterprises or private enterprises would also be particular about it.

So sometimes, it represents the face of the Court.

Now, if you say you have an objection and don't recognize it, isn't that slapping the Court in the face?

Director Fang stopped talking. Zhou Yun said, "Then how about this, Director Fang? Since you can't investigate, please mark the reason on the receipt for me, so I have something to account for, right?"

A Lawyer's investigation order is not just a single piece of paper.

Normally, there are four copies in total. The first is the investigation order application, and in addition to that, there must be a letter of introduction from the law firm.

After submitting it to the Court, if the Court deems it permissible, it will issue two investigation orders, which will clearly state the parties, the applicant, the person to be investigated, the content of the investigation, the facts and reasons, and so on.

In addition, there will be records of time and area; you can only investigate in the specified location, it's impossible for you to investigate nationwide, nor do you have that right.

One of these two investigation orders is filed, and the other is held by the Lawyer to investigate the relevant unit.

The fourth copy is the Lawyer's Investigation Order (Receipt). It must clearly state what evidence was provided, what evidence could not be provided, and the reasons for not being able to provide it, and then be stamped.

This receipt must be taken back to the Court for filing.

If the Court believes that your failure to provide evidence constitutes non-cooperation with the investigation, the next step will be to contact the unit. If they still do not cooperate, a "pre-fine notice" will be issued.

This is also a deterrent, indicating that if you continue not to cooperate, you will be fined.

At this point, if they still don't cooperate, then they will truly be fined. To be frank, the Court won't just fine anyone. Although your position is special, many tasks still require the cooperation of other units.

Lawyer Zhou Yun's current request is for the other party to write down the reason on the receipt.

Director Fang hesitated for a moment, then said, "Alright, Manager Wu, you write it down and then stamp it."

After everything was done, Lawyer Zhou Yun smiled and said, "Director Fang, I'll be leaving now. Thank you for your help this time."

"No problem, no problem, these are small matters. Lawyer Zhou, you go ahead and be busy."

Lawyer Zhou Yun left with his satchel, and Director Fang also breathed a sigh of relief. He had just thought that Lawyer Zhou was brainless.

But now it seems that Lawyer Zhou is indeed a very sensible person.

Oh, I just love dealing with lawyers like him. You see, he never makes a fuss.

After all, it's just about making a living, who wants to argue over other people's affairs? There's no need.

The lobby Manager next to him said, "Director Fang, then this matter..."

Director Fang thought for a moment and then said, "I'll talk to the Director and raise an objection with the Court. The necessary procedures must still be followed. In any case, we absolutely cannot let him investigate."

Today, they were caught off guard by the other party, but they definitely need to find a solution next.

Lawyer Zhou Yun left the Bank and came to the Court again, informing the staff at the window of the situation.

If it was just suspicion before, then it can now be confirmed that this Bank has significant problems with its previous loans, and there's a lot of shady business involved!

The other party's attitude can explain everything.

Although he has a golden body, the golden body is not omnipotent. So, if the Court supports him later, it's good; if not, it might be dragged out.

After submitting the materials, Lawyer Zhou Yun put on a helpless expression and said, "The other party is not cooperating at all, saying that we have no right to investigate."

The staff member heard this and said, "Lawyer Zhou, we need to review this objection, so you should go back and wait for the result."

At present, this is the only way. He can't rush the Court on what to do.

However, after thinking for a moment, Lawyer Zhou Yun still said, "Comrade, I know this is indeed quite troublesome, but the owners of the unfinished buildings are even more troubled."

"I took on this case, but if I can't even collect evidence, then the only option left is to post it online."

Lawyer Zhou Yun would not use public opinion tactics unless absolutely necessary. This is a double-edged sword and can easily hurt himself.

But now, he must use this method, at least to let the other party know.

The staff member was stunned. She knew Lawyer Zhou Yun's situation.

She quickly said, "Lawyer Zhou, there's no need, really no need. It hasn't reached that point yet. The leaders also need to study it. We will get back to you as soon as possible, as soon as possible."

Lawyer Zhou Yun heard this and pulled out another application form from his bag: "If not, then I'll apply for the Court to investigate. After all, they also said that if the Court investigates, they will definitely cooperate."

Hmm... huh?

The staff member was stunned again. You even prepared this beforehand?

There was no way to refuse, so she could only accept the application form.

Now she didn't know what to do. If you say the investigation order is not allowed, then applying for the Court to investigate should be fine, right? You can't say that the Court itself is unwilling to investigate such crucial evidence.

Then what rights are you protecting?

With crucial evidence missing, the case still couldn't be filed. Lawyer Zhou Yun walked out of the Court.

The situation was quickly summarized for Department Head Old Huang.

Old Huang began to hesitate again. He had already received some phone calls.

But the problem is, if this Lawyer really does something, like posting it online or whatever, then Old Huang will be the one taking the blame in the end, because he is the primary responsible person!

The other party currently has such high popularity, that fearless demeanor, plus the unfinished building factor, it can be said that all buffs are maxed out.

If an ordinary person posted it online, there would be a 99% chance that there would be no ripple.

But Lawyer Zhou Yun is different, especially since he hasn't posted a single video since he was stabbed!

After thinking for a moment, Old Huang took out his phone...

About ten minutes later, Old Huang put down his phone, his face showing anger.

He had just communicated with a leader from the Bank and explained the situation. It was about the Lawyer who was stabbed, and the other party said that if they didn't allow the investigation, he would post the matter online.

But the other party still told the Court not to investigate and asked him to understand, saying that nothing would happen.

Damn it, if I understand you, who understands me? We're not in the same system. If it's a small matter, giving some face is fine, but at this time, can't you proactively cooperate?

Thinking of this, Old Huang directly called someone: "Xiao Liu, yes, issue a pre-fine notice to Linwu Branch, the reason is that they refused the investigation order!"

Lawyer Zhou Yun was already thinking of other methods.

Because the regulatory account details from the Housing and Urban-Rural Development Bureau can also reflect the loan disbursement situation.

Yes, that's right. If the loan was deposited into the regulatory account, it would definitely leave a trace. This cannot be deleted.

And if there is no record of relevant loan transfers in the regulatory account details, what does that mean? It means that Linwu Branch did not deposit the money into that account.

Banks do not disburse loans as one large sum directly into an account. It is necessary for someone to buy a house and pay the down payment, and then the loan will be disbursed according to the individual's loan application amount.

These accounts are all one-to-one corresponding!

Although he applied based on Wen Yuhe's individual situation, for something like fund details, you can't say that only information related to Wen Yuhe will be disclosed. That's impossible.

Because the money transferred in is cumulative, and when the developer misappropriates, it is also on a large scale.

Can you explain that the 20 million he transferred out has no relation to the money Wen Yuhe previously deposited?

However, based on previous cases, there is a 90% chance that the Housing and Urban-Rural Development Bureau will not disclose it.

In his previous life, there were similar cases where many individuals applied for disclosure, but none were supported.

He was mentally prepared for this. He must file an administrative lawsuit to make it happen, because only in Court can he properly argue with the other party.

Lawyer Zhou Yun stayed in Linwu for another three days.

On the morning of the fourth day, a call came from the Housing and Urban-Rural Development Bureau.

"Is there a result for the previous application? Okay, I'll go over now."

On-site applications can also receive on-site replies.

He went all the way to the fifth floor of the Housing and Urban-Rural Development Bureau, to the same office, and Lawyer Zhou Yun obtained the relevant materials.

The pre-sale fund tripartite supervision agreement was disclosed, no problem, and the plan was also available. These things basically would not have problems.

But after reviewing them, Lawyer Zhou Yun found a problem.

"Regulatory account details belong to the developer's commercial secrets and cannot be disclosed?"

Huang Xiaoli nodded: "Lawyer Zhou, we have already written this very clearly."

"According to Article 35 of the 'Regulations on Government Information Disclosure', we inquired with the developer, and the developer also sent a reply, disagreeing with the disclosure, so we decided not to disclose it."

"Although the regulatory account is supervised by us, it still belongs to the developer, and we cannot rule out that it contains other financial information of the developer."

The content of Article 35 is: Government information involving commercial secrets, personal privacy, etc., whose disclosure would harm the legitimate rights and interests of a third party, shall not be disclosed by administrative agencies. However, if the third party agrees to disclose, or the administrative agency believes that non-disclosure would cause significant impact on public interest, it shall be disclosed.

From the perspective of procedures and regulations, there was no problem at all.

Lawyer Zhou Yun smiled again: "I understand, so you believe that non-disclosure will not cause a significant impact on public interest, right?"

Huang Xiaoli shook her head and said, "Lawyer Zhou, telling us this is useless. We are just employees and have no right to make decisions."

Lawyer Zhou Yun nodded. As expected, there were a bunch of problems right from the start.

But this is normal. If they knew there were problems and still disclosed simply because he applied, that would be brainless.

It seems this administrative lawsuit is unavoidable.

The fund details must be disclosed. This is the most crucial thing. Even if it goes all the way to the Supreme Peoples Court, this must be clarified.

Because Linwu does not have a Railway Transportation Court, administrative lawsuits are centrally administered.

However, just as Lawyer Zhou Yun was about to go to Yunshan County, a call came from the Court.

"Lawyer Zhou, you can go directly to the Bank to investigate. Yes, it has been communicated, and they will cooperate with you. Don't worry, there will be no problems."