Absolutely not necessary. he said to himself.
"It's definitely no problem to reply, but you'd better think about what to say about those transfers just now. As for the dividends, I will be able to give you electronic records later today to prove the legality of your fund sources."
Dong Qiangqiang was still worried and asked: "If the other party asks me questions at that moment, can I ask the lawyer to call me just in case? I am also afraid of saying the wrong thing."
"It must be okay. I'll send you the lawyer's phone number. Remember to put it on speakerphone when you talk to people at the bank. Now you know the benefits of having a lawyer? Hehe..."
Dong Qiangqiang realized clearly: At the end of last year, he felt that Duanmu's legal fees were extravagant and rash, but today he truly realized Duanmu's foresight at that time.
"Duanmu, thanks to you this time, although I'm sorry, I still have something to trouble you with."
"you say."
"Before my account was blocked today, I bought a ticket to return to China tonight. You also know that you can only bring up to 10,000 euros in cash through customs. If you want to spend RMB back home, the RMB you can exchange for Euro cash in the bank is not as good as the RMB you can get by exchanging Euro cash for RMB. It was a lot, so I thought I would save it and remit part of it back, but it turned out that God is not as good as God. I don’t have much cash on hand now, but I haven’t bought anything to go back to China..."
Duanmu understood immediately after hearing this: "Well, how many are needed?"
"The 1,000 euros should be enough. Regardless of whether the account can be unlocked or not, I can pay you back by the end of March at the latest. You can specify the amount of interest. I have no problem."
"Is 1,000 euros enough?" Duanmu asked quietly.
Of course, Dong Qiangqiang knew that 1,000 euros was not enough. He had no plan to bring only 1,000 euros back to China, but a sudden change disrupted all his arrangements. He was not sure when the more than 80,000 euros in his account would be locked. He originally wanted to bring more money back to fulfill his filial piety, provide medical treatment to his parents, pay off the family's debts, supplement the family income, improve his parents' quality of life, etc., but now it's all in vain.
Seeing that Dong Qiangqiang was silent, Duanmu said again: "Even if it's enough to go back to China, you still have to check that German company when you come back. Travel, accommodation, and food will all be money. Can you borrow it from me again?"
"According to your analysis just now, I think it won't be frozen for a particularly long time. If it hasn't thawed by then, I'll borrow it from you again."
"In this case, I will give you 5,000 (Euros) first, including return home and due diligence, and the interest will be 3%. Is that fair?"
"no problem, thank you."
"In that case, you write me a receipt, just in Chinese, sign it and send it to my address in Hamburg, and I can transfer the money to you now. But just in case, you'd better find 5 or more people I will collect the 5,000 in shares, and I will transfer another 5,000 directly to you. I’m afraid you won’t be able to leave today.”
Duanmu's words woke up the man in the dream, and Dong Qiangqiang said quickly: "Yes, I will go find him right now, and I will let you know when I am sure."
Dong Qiangqiang immediately contacted Zheng Chunhua. Feng Chong and Lu Wei, who was still teaching Chinese in Trier, found two classmates with whom they had a good relationship, and successfully split Duanmu's loan into five packages, and Duanmu divided them into Transfer the money to five people, and the five people will then withdraw cash to Dong Qiangqiang. Except for one person who is not at the university, the other four are at the university or working or reviewing, and they will be able to get the money on their way home soon.
After securing the middleman, Dong Qiangqiang thought that since the bank would freeze his own account, it might also freeze the accounts of several classmates who had received his help. He called his friends again, and after getting a clear negative answer, he breathed a sigh of relief.
With Duanmu's support and lawyer's help, Dong Qiangqiang had more courage and confidence to face the bank. He went through the prepared answers in his mind twice before striding into the bank with great pride.
There was only one minute left before the appointment time. The bank employee led him into a conference room of up to six square meters and left directly.
There is only a frosted glass coffee table and three chairs in the conference room. Only three people can sit at most, and they all have to be thin. If one of them is fatter, it will be difficult to fully open the door of the conference room. Two words.
As soon as the appointed time arrived, a stocky, balding middle-aged man rushed into the conference room with an expressionless middle-aged woman with a chicken coop hair style. Both of them had a lot of information in their hands and were obviously well prepared.
The conference room was not big, but after the three people entered, the space suddenly seemed small and cramped. Dong Qiangqiang felt contempt in his heart: It is also a big and prestigious bank. It doesn't matter if customers come to the door and no one pours water. Isn't it difficult to arrange a larger place for talking? What? But despite the anger in his heart, Dong Qiangqiang finally said hello patiently.
After confirming Dong Qiangqiang's identity, the bank duo first briefly introduced themselves.
The pot-bellied middle-aged man calls himself Wen De and comes from the Anti-Money Laundering Department. The woman's surname was Dong Qiangqiang. I had never heard of it before. It didn't seem to be a German surname. It came from the bank's risk control department.
Dong Qiangqiang has been dealing with foreigners for some years, especially after leading a group and coming into contact with all kinds of foreigners. Judging from the appearance alone, Wen De's face is quite honest, while the woman has a sharp mouth and a mean face, and it is obvious at a glance that she is not easy to get along with.
Sure enough, as soon as the two of them finished introducing themselves, the woman couldn't wait to get straight to the point without saying a word of nonsense.
"There have been a lot of funds coming in and out of your account in the past three months," the woman said, pushing a piece of paper in front of Dong Qiangqiang, tapping the coffee table with her long nails through the paper and urging, "First tell me what these transactions are. Condition?"
Dong Qiangqiang lowered his head and quickly glanced at the paper, only to see that the details of several large amounts of funds listed by time were exactly the same as what he had just copied from the ATM.
Duanmu's guess was indeed correct, he thought to himself, luckily he had prepared in advance.
"Hey, are you listening to me?" the woman shouted rudely, her tone much higher than before.
Dong Qiangqiang remained silent, just looked up at the woman, and saw that the woman was staring at him with a pair of dead fish eyes that were more white than black, with impatience spreading wantonly on her face.
Dong Qiangqiang originally planned to listen to the other party explain the causes and consequences of freezing his account. He believed that even if the bank suspected him, at least the duo should first explain which laws and regulations the bank was based on or which bank regulations his actions violated. The system required him to explain it face to face (he was very grateful for the legal awareness and legal logic that studying public law brought to him). The bank couldn't just label him as money laundering just because there were a few funds coming in and out, right? And can a few thousand euros be considered a large sum of money? I'm afraid this bank has never seen any money, right? Unexpectedly, the other party came up with an attitude of asking questions, and the tone of the questioning was as if he was a money launderer who "really got the goods at a fair price, and everyone got the stolen goods." Especially since this woman not only didn't even have a name for herself, she didn't need to speak respectfully. The language, shouting and drinking seems extremely lack of quality. It seems that the corporate culture of this listed bank is not very good either. Thinking of this, he suddenly had a thought: If the level of employees is low, does it mean that there is a problem with the management of this bank? If there are problems with management, will there be problems with the business? If there is a problem with the business, is there an opportunity to short it?
Seeing that Dong Qiangqiang remained silent, the woman thought that he still didn't understand her question. She turned to Wen De and complained quickly: "He doesn't seem to understand what I'm talking about. This is too suspicious. Maybe I will We should call someone from the legal department, maybe we can really ask something from him."
Hearing that the other party wanted to call for legal affairs, Dong Qiangqiang suddenly smiled.
The duo was not expecting Dong Qiangqiang's smile. After a few seconds, the woman reacted first and said with an unhappy face: "If you can't explain these funds clearly, we have the right to suspect you of illegal money laundering."
Dong Qiangqiang had made up his mind at this time: Since you want to keep things official, let's see who is right.
"Mr. Wende," Dong Qiangqiang deliberately did not look at the woman while speaking standard German, "before answering your question, I hope that not only the bank's legal affairs department, but also my lawyer can be present."
When she heard that Dong Qiangqiang, a poor student, also had a lawyer, the woman seemed to have instantly forgotten that Dong Qiangqiang had just pretended not to speak German, and turned to look at Wen De. The surprise and suspicion of Dong Qiangqiang in their eyes were clearly visible.
"The lawyer you are talking about is actually the legal aid provided by Trier University to college students, right?" Wende guessed, "Of course there is no problem, but you need to know that legal aid is not a lawyer and cannot solve all your problems."
"Do you speak German?" the woman finally responded.
"No, Mr. Wen De, you didn't hear what I just said." Dong Qiangqiang didn't look at the woman at all. He corrected Wen De and dialed the lawyer's phone number. "The person who is about to call you is not the legal aid provided by the university. , but my lawyer.”
The lawyer's call was quickly answered. When the lawyer introduced himself, Dong Qiangqiang noticed that the duo's expressions gradually turned from clear to dark.
Maybe it was because of the lawyer's intervention, maybe she was angry that Dong Qiangqiang kept pretending not to understand what she was saying and not answering questions, or maybe it was because the bank's legal affairs had not arrived, but the woman's face became as ugly as death, and she stared at Dong Qiangqiang without saying a word. face, and the baton of inquiry was temporarily handed over to Wen De, who had not spoken much before.
I don't know if it was to support his colleagues, but Wen De just mechanically repeated the woman's question.
Dong Qiangqiang's mind suddenly remembered what his politics teacher said when he was a preparatory student: After World War II, there were many invisible red lines hanging over people's heads in Germany. No one in the political or corporate circles was willing to touch them. One of those red lines is...
He gently pushed the phone between himself and Wen De, and asked loudly: "Mr. Wen De, I want to confirm with you: From the time I entered the door to now, have you and your colleagues informed me that I violated any of the rules?" Is the account frozen due to any laws or banking regulations?”
Wen De glanced at his phone, then looked at his colleagues. After hesitating for a few seconds, he turned to look outside the conference room. He seemed to be eagerly expecting the legal affairs to appear as soon as possible. Even Dong Qiangqiang could see his embarrassment and nervousness at this time. No less than myself.
The other party's silence made Dong Qiangqiang more confident: "Is it convenient for you to tell me in front of my lawyer now?"
Still no one answered.
Dong Qiangqiang paused and said slowly: "Mr. Wende, I have been a loyal user of this bank for almost two years since I landed in Germany. I have always been satisfied with the services provided by the bank. Until today, I I received several text messages one after another, asking me to come to the bank to explain some things. I respect and trust this bank, so I made an appointment with the bank for communication as soon as possible, but before I could explain, my account was unilaterally blocked by the bank. It was frozen for no reason." Dong Qiangqiang called up the text message as he spoke, and put the mobile phone generously in front of the two of them. "As a loyal user of the bank, I feel angry and sad. This bank should not treat me like this. But it makes me more... What makes me angry is that when I came to the bank and even after my lawyer got online, neither of you explained to me which law or banking system I had violated and my account was frozen, so I can only think that this is It is the bank's racial discrimination against me personally. I must express my personal attitude towards this kind of discrimination: If the bank does not apologize to me and compensate me for my losses, I reserve the right to sue."
Dong Qiangqiang's rebellious attack made the two people dumbfounded. The moment the bank legal officer opened the door, there was silence in the conference room.
(End of chapter)
