"Since this company has given you a work bonus, can you provide corresponding proof of employment?" The legal affairs department immediately asked Dong Qiangqiang a follow-up question without leaving much time to think about it. I wonder if he wanted to test whether Dong Qiangqiang was lying. , after all, quick questions and answers can sometimes catch people off guard.
"Of course, I can provide it." Dong Qiangqiang was already thinking about how to tell Lao Bai about this.
"When can it be provided at the earliest?"
"Within a week."
Seeing that Dong Qiangqiang's answer was full of confidence, the legal officer no longer bothered with this issue and pointed to another number on the form: "What about the 50,000 euros?"
"It's the same as the previous one. It was also my bonus last year."
"Still... the same travel agency?" The legal officer was really surprised.
"No, no, this is (a bonus) from an investment company."
"What is your relationship with this investment company?" Legal Gift looked Dong Qiangqiang up and down suspiciously. The young man in front of him was dressed in ordinary clothes and had no valuable accessories. He had long hair and did not look like a financial practitioner. On the contrary, he is more like an artist. At least from a legal perspective, it is somewhat credible to say that Dong Qiangqiang is a tour guide leading tour groups, but to say that he is a particularly profitable investor is somewhat suspicious. "What exactly does the company invest in?"
"Mr. Dong, you don't have to answer this question." The lawyer gave advice quickly.
"It doesn't matter, you can say that. I am one of the company's shareholders, and I engage in European and American secondary market investments with the company's partners. Since the company's foreign investment last year was very successful, my bonus was also very generous."
The legal officer seemed to be no stranger to the market conditions in the European and American secondary markets. He stared into Dong Qiangqiang's eyes and questioned: "As far as I know, the market conditions in the European and American secondary markets last year were not ideal. How did your company invest and realize profits?" of?"
"This is a company secret, and the bank has no right to interfere." The lawyer gave up on Dong Qiangqiang this time and protested directly to the legal department.
"The bank needs to confirm that the investment transactions and their income mentioned by Mr. Dong are real and not fictitious." The lawyer bluntly rejected the lawyer's protest, "In other words, you must prove that you are indeed through investment behavior You have to make enough profit to get the bonus, otherwise we have reason to doubt the source of your funds."
Dong Qiangqiang can understand what the other party said no matter how stupid he is: he must prove that his bonus is indeed based on real investment transactions, rather than being transferred in and out from somewhere else, so Showing the other party's transaction records is indeed the simplest and most effective proof.
"I understand, can you give me a list of information that I need to provide? I will provide it to you as soon as possible after communicating with the lawyer."
The legal officer pulled out a piece of paper from his folder and pushed it in front of Dong Qiangqiang: "You can prepare according to this list. You can mail it all ready or send it to the bank in person. We will process it as soon as possible."
Dong Qiangqiang quickly glanced through the list and put it into his school bag. He asked worriedly: "I have a few questions I still want to know."
The legal officer made a "please" gesture.
"Can the bank keep my company's business secrets based on the transaction information I provided?"
"You can be 100% assured of this. We are a listed company after all, and our reputation and professional ethics in this area are the best in the industry." He spoke very fluently in the legal affairs scene, and he talked a lot.
"How long does it take for the bank to unfreeze the information after receiving it?"
"If the materials are genuine and valid, the bank will unfreeze them for you as soon as possible."
It's just nonsense. If you say it, it means you haven't said it yet. Dong Qiangqiang cursed in his heart.
“After the freeze is lifted, if I don’t want to keep my money in Germany but remit it out of Germany, will this still be considered money laundering?”
"I can't answer this question. You need to understand the relevant legal provisions of the country where the money is received. It is safest for you not to violate the law." The legal wording is very cautious.
"Then can I entrust a lawyer to take full responsibility for the follow-up of this case?"
"Of course, this is your right, but I must tell you that if necessary, you may still need to come to the bank in person to explain the situation."
"Okay, if there's nothing else, I'll leave first." Dong Qiangqiang stood up.
"Please wait a moment, I have two more good news to tell you..." The legal officer looked cheerful.
My account has been blocked. Any good news? Dong Qiangqiang thought he heard wrongly.
"First of all, the account freeze this time will not be recorded in your personal SCHUFA record, and it will not affect your personal credit report. Secondly, you do not need to pay late fees and fines to the bank because your account is frozen."
SCHUFA is the abbreviation of the German Credit Rights Protection Association. It is a private organization that theoretically holds the information of all adults legally residing in Germany. It can also be understood as a personal credit record provider in Germany. Once there is a bad record in Dong Qiangqiang's SCHUFA, it will have a negative impact on his future life in Germany, because SCHUFA maintains close cooperation with major banks, public insurance companies, private insurance companies, telecommunications companies and other institutions all year round. If you are an international student, SCHUFA stains will also affect your student visa.
It’s good news that SCHUFA leaves no trace, but what the hell are late fees? If I don’t say I can’t use my money, I still have to pay it to the bank. What kind of bullshit is this?
“What is this late payment penalty?”
"Generally speaking, account freezing is an abnormal state for the account and will also increase the bank's management costs. After the account is frozen, the account owner should perform its obligations as soon as possible within the specified period and cooperate with the bank to lift the freeze. However, some account owners do not actively cooperate. Late payment fines are a kind of punitive payment. The purpose is to punish those account owners who do not actively perform their obligations. In view of the fact that you came to me as soon as you received the text message. The bank has actively communicated this matter, so our bank will waive your late payment fine, and we also hope that you can provide relevant supporting documents as soon as possible."
Dong Qiangqiang suddenly realized at this time: the bank did not really want to waive his fine, but Dong Qiangqiang’s remarks just now made the legal affairs understand that he was not a soft persimmon who didn’t understand anything. "Discrimination" and "litigation" caused a big fuss, so the bank was willing to give Dong Qiangqiang small favors, and the purpose was to settle the matter. In fact, Dong Qiangqiang himself knows that "racial discrimination" is actually a paper tiger used to scare people. If it really makes a big fuss, it may not cause any splash. In the end, this is still other people's territory.
After leaving the bank, the lawyer warned Dong Qiangqiang that he didn’t need to talk too much to the legal affairs department in the future and that he could just leave everything to him. In particular, Dong Qiangqiang will send all the information to a lawyer for review later, and then submit it to the bank after the lawyer reviews it to ensure that everything is foolproof.
Dong Qiangqiang also knew that the other party was doing it for his own good, but he still wanted to deal with the bank once and gain more knowledge and experience. He was not afraid of dealing with foreigners, and he always believed that what he had experienced personally and what he had heard from others Things are completely different.
The lawyer told Dong Qiangqiang his email address and gave some instructions before ending the call.
Dong Qiangqiang looked at his watch. It was past 15 o'clock. He still had a lot of things to do. Time waited for no one. He had to finish everything he had to do before setting off as soon as possible.
When he rushed to the university without stopping, the five people he had contacted before took out all the money and handed it to Zheng Chunhua. Zheng Chunhua handed another 5,000 euros to him and wished him a safe journey.
Dong Qiangqiang thanked Zheng Chunhua and went to the computer room to send Lao Bai his last email before leaving. He explained the 30,000 euros in a few words and asked Lao Bai to issue a certificate to him as soon as possible.
Before going home, Dong Qiangqiang called himself a taxi to the train station, and then bought all kinds of health care products at the DM supermarket down the hillside. As long as he thought it was useful for his parents' health, he threw them into the shopping cart. I also picked up dozens of bottles of my favorite effervescent vitamin tablets with different fruit flavors. I finally stopped in frustration after thinking that my luggage might be overweight.
He originally planned to rub his hands with hot water before packing after returning home. However, after running all afternoon, his hands had unknowingly returned to their original state, and he packed his luggage in three strokes, five divided by two.
While waiting for the taxi, Dong Qiangqiang said goodbye to the landlord and told him that since he was only going back to China for a week, he was not going to rent out his house for a short period of time. Instead, he would handle the tenant affairs that he should do as soon as possible after he returned to Germany. Finish.
The taxi took Dong Qiangqiang into the station at the same time as the train entered the station. The ICE made a long beep, and Dong Qiangqiang officially embarked on his way home, dragging two full suitcases.
Returning home for the first time after being abroad for nearly two years, Dong Qiangqiang thought he would be excited and excited, but for some reason, his heart was unusually calm, which even surprised him. Am I getting old? he muttered.
