Is Gitzo loan legal?

Recently, Gitzo Consumer Finance Co., Ltd. (hereinafter referred to as "Gitzo Finance") was sued by the "customer" because of lax audit, which led to others' loans overdue and bad credit record. However, the company argued that "the loan relationship is true and effective, and there is no violation of the customer's reputation right", and was defeated by the court, assisting the customer to cancel the bad credit record, and compensating the customer for lost time, transportation expenses and mental damages of 4,000 yuan.

Documents disclosed by the court system show that in 20 15 1 1 year, Liang Huilin (pseudonym) was fraudulently used in the personal loan application form (consumer loan) and applied for a loan of 4,800 yuan from Gitzo Finance. After borrowing, the borrower failed to repay the above consumer loan. When Liang Huilin inquired about the credit investigation, she realized that the overdue loan had been blacklisted and asked Gitzo Finance to help delete the bad credit record of the credit investigation, but failed, so she took it to court.

"The Personal Loan Application Form signed by Gitzo Finance and Liang Huilin is true and valid, and there is a legal loan relationship between the two parties. The court of first instance found that the fact that Gitzo Finance infringed upon Liang Huilin's reputation was wrong. " Gitzo Finance argued that the loan relationship between the company and Liang Huilin was true and effective, and there were no acts and facts that infringed on Liang Huilin's reputation right, and requested to cancel the wrong judgment of the first instance.

In this regard, the court of second instance held that there were many differences between the personal information of "Liang Huilin" indicated in the Personal Loan Application Form provided by Gitzo Finance and the real information of Liang Huilin, and the signature of the borrower in the application form was obviously different from that of Liang Huilin, so the application form could not prove that the above loan was borrowed by Liang Huilin.