1. Of the judgments of the first instance court, the part against the defendant in the judgment shall be modified as follows:

The plaintiff's lawsuit against the defendant is serious.

1. The following facts do not conflict between the parties, or can be acknowledged by comprehensively taking account of the whole purport of the pleadings in the descriptions of Gap evidence 1-2, Gap evidence 4, Gap evidence 6, Gap evidence 8, Gap evidence 12-1 through 3, Gap evidence 14, Gap evidence 17, 18, and evidence 20.

around December 5, 2002, A applied for the repayment loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan

3) On the other hand, on July 17, 2008, a new card company applied for a payment order (Seoul Western District Court 2008 tea6406) against the defendant to pay guaranteed debts, and on July 24, 2008, the above court issued a payment order to the effect that "the debtor shall pay to the creditor 51,09,364 won and 20,263,649 won per annum 29.9% per annum from July 15, 2008 to the day of full payment," and the said payment order became final and conclusive on August 14, 2008, the new card company transferred the above repayment loan claim against the plaintiff around June 21, 2013.