64: finally found you!

Of course, the application submitted by the developer also had issues.

However, whether it was false materials or fake accounts, these were all created by professionals, making them very difficult to investigate.

Therefore, only professionals with similar expertise could uncover the hidden tricks within them.

Zhou Yun would also do this work later.

The problem was that the building project was unfinished, and the supervised account clearly had problems, but no one would admit it, and no one would actively investigate it.

Because everyone was worried about what might be found if they investigated.

So Zhou Yun could only use methods like litigation to gradually uncover the hidden tricks.

Why was it necessary to confirm whether the Bank’s loan had entered the supervised account? Because only by confirming this could an investigation order be applied for to check the account’s transaction records.

It sounded like a roundabout procedure, but this was the law.

Zheng Rongxuan’s face showed no expression, but it was clear that he was not in a good mood.

This young lawyer opposite him had too deep an understanding of the small tricks in the construction industry!

Lawyers must specialize; labor, construction, finance, marriage and family, etc., each direction is enough for a lawyer to study for a lifetime.

Because society is constantly progressing and laws are constantly being updated, this also means lawyers must learn throughout their lives.

And this lawyer named Zhou Yun, according to Zheng Rongxuan’s previous understanding, should have been better at criminal cases, but now, he instantly saw the problems on his side.

After some hesitation, Zheng Rongxuan still decided that this case had to be won!

The presentation and cross-examination of evidence ended. The Presiding Judge asked, “Does either party have anything to add?”

Just then, Zheng Rongxuan spoke, “Our side has supplementary evidence regarding the Linwu Branch not depositing the corresponding loan into the supervised account.”

“This is the reconciliation statement for the pre-sale loans of the five plaintiffs. According to this statement, the pre-sale loans of the five parties were not deposited into the supervised account.”

“Although our side has a supervisory obligation according to regulations, the Bank’s decision on which account to deposit the loan into is the Bank’s right as a financial institution. Our side should not bear responsibility for this.”

Zheng Rongxuan had no other choice. After careful consideration, he decided to present this reconciliation statement.

You say we have a supervisory obligation, but how can we supervise when the money hasn’t even entered the supervised account?

Anyway, he just wanted to prove that his side had fulfilled its supervisory obligations, and as for other matters, the Housing and Urban-Rural Development Bureau had no right to do them.

Hearing this, Zhou Yun immediately smiled. After much pressure, he finally forced out this crucial piece of evidence.

Supplementary evidence presented in Court must be exchanged in Court. Soon, this evidence was in Zhou Yun’s hands.

The Presiding Judge’s face was very displeased. He could be said to be the most annoyed by this kind of evidence ambush.

However, it was not good to say anything now, so he said, “Plaintiff’s agent, what is your opinion? Do you wish to apply for an extension of the response period?”

Zhou Yun carefully looked at the reconciliation statement in his hand, especially the account number, and finally smiled. It was hidden so deeply, but he finally found it.

“No need. Our side acknowledges the legality and relevance of this evidence.”

Hmm? The Presiding Judge looked puzzled. Previously, this lawyer had found fault with all the evidence, but now, he directly acknowledged such a crucial piece of evidence?

Of course, Zhou Yun acknowledged it. With this, he could investigate.

On this basis, whether the administrative lawsuit was won or lost was no longer important. Even if the Court found it legal, it was not an issue.

Seeing that Zhou Yun was so compliant, the Presiding Judge naturally said nothing else. As long as both parties agreed to an evidence ambush, there was no problem.

“Alright, the Court investigation phase is concluded. We will now begin Court debate…”

For the Court debate, Zhou Yun had nothing more to say. The core point was that the Housing and Urban-Rural Development Bureau still chose to register the online contract despite knowing that a large portion of the pre-sale funds had not entered the supervised account.

And Zheng Rongxuan’s point was also the same as before: the Housing and Urban-Rural Development Bureau had no supervisory authority over the funds that did not enter the supervised account.

The implicit point was that this was the Bank’s problem, and it had nothing to do with them.

Indeed, everyone is usually so friendly, but when disaster strikes, they scatter.

You see, everything needs to be pushed, otherwise you wouldn’t know how many good things these units can produce.

The Court hearing ended. The Presiding Judge announced an adjournment and that a verdict would be rendered on a later date.

Zhou Yun packed up the few crucial evidence copies exchanged on the table, then looked at Zheng Rongxuan opposite him and smiled, “Lawyer Zheng, thank you very much.”

Ah? Zheng Rongxuan looked bewildered. What did that young man just say? He said thank you to me?

Why thank me out of the blue?

Zhou Yun ignored all that. He took a car directly back to Linwu City.

He began comparing the evidence in the car.

There were two situations: one was for Grandpa Li and others, where neither the down payment nor the loan entered the supervised account. All these funds went into one of the developer’s accounts.

The other was for people like Wen Yuhe, where the down payment entered the supervised account, but the loan did not.

According to the reconciliation statement, the account into which this loan was deposited was different from the account into which Grandpa Li and others’ funds were deposited.

So, the next step was to start a careful investigation to see where these funds went after entering the developer’s other accounts!

It was certainly impossible for them to have been used on the project, otherwise it wouldn’t have been unfinished.

He drove all the way back to Linwu City. Seeing that it was exactly three in the afternoon, Zhou Yun went straight to the Court’s Execution Bureau.

He did not go to the case filing window because they would certainly not agree to issue an investigation order there.

Because he was suing the Bank, investigating where the loan was deposited was one thing—after all, it could be argued that those funds were his own.

However, if he wanted to investigate other accounts under the developer’s name, he couldn’t make the same argument, because those were indeed the other party’s trade secrets.

Therefore, Zhou Yun had to obtain the reconciliation statement to complete the last detail, using it as new evidence to apply for an investigation order!

Wen Yuhe and these people had previously sued the developer, but the enforcement was ultimately unsuccessful and the case was closed.

Therefore, it was necessary to go through the enforcement procedure to apply for an investigation order to check the account details.

Zhou Yun searched for these two accounts online. One was Linwu Bank’s own account, which was 100% empty.

The other account into which the loan was deposited was not a Bank in the same province, nor a national Bank, but a Bank in another province.

Generally, the Court’s inquiry and control system can only check details for the past six months.

More than that would require checking at the Bank.

Moreover, the Execution Bureau had too much work, which led to a situation where, under normal circumstances, enforcement judges would check if there was money in the account. If there was no money, they would generally not bother.

After all, there were too many account details, and they would have to find them one by one, to see for what reason the money was transferred out and where it went.

Unless it was a particularly obvious transfer, such as a large transfer without any reason, clearly indicating property transfer, then they would investigate.

Other things, like buying goods or anything else, the Execution Bureau would not investigate in detail.

Also, the Court’s inquiry and control system cannot check all accounts. This is a not-so-cold, cold fact.

If interested, you can look it up. The Supreme Peoples Court released data in 2023 stating that the Court’s inquiry and control system can check a total of over 3,900 national Banks and other financial institutions.

However, not to mention financial institutions, how many Banks are there nationwide? There are over 4,600 Banks!

The inquiry and control system is divided into ‘head-to-head’ and ‘point-to-point’. Among these, local Banks, especially out-of-province Banks, credit unions, etc., cannot be directly checked by the inquiry and control system.

Especially since the data between various provinces has not yet been connected. Sometimes, when parties report property clues, the Court still has to go to other provinces to investigate themselves or entrust a Court in another region to investigate.

Of course, data incompatibility is not a technical issue; technology can easily achieve it. It is other issues.

Each province is tightly guarding its own data and does not want other places to know about it…

It’s like data sharing between various units; for example, the simplest marriage information, the police and the Civil Affairs Bureau might not match up.

Because sometimes people are already married but haven’t registered with the police, so even though they are married, their household registration still shows them as single.

Data incompatibility is certainly not a technical issue anymore.

So, at this time, the parties must investigate themselves, which is the so-called property clue.

However, the parties do not have this ability, and a lawyer applying for an investigation order must do so during the enforcement period. Due to multiple factors, this has led to the current situation.

This has led to Zhou Yun having to use this roundabout method to investigate.

At the Execution Bureau window, Zhou Yun handed in the newly obtained evidence.

“This evidence shows that most of the pre-sale funds entered these two accounts, so I want to apply for an investigation order.”