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(영문) 의정부지방법원 2015.11.06 2014가단22086
대여금
Text

1. The plaintiff's claim is dismissed.

2. The costs of lawsuit shall be borne by the Plaintiff.

Reasons

1. The Plaintiff entered into a loan transaction agreement with the Defendant (hereinafter “instant loan agreement”) on May 13, 2008, with the content that the loan was consolidated into the D Credit Union on December 10, 2014, and the name of D Credit Union was changed to Bcredit Union on the same day before and after the merger; hereinafter “the Plaintiff was at issue”) to the effect that the loan was terminated by the Defendant on May 13, 2008; the interest rate was at a variable rate of 150,000,000 won at a rate of 18% per annum; and the compensation rate for delay was at a rate of 150,000,000 won at a rate of 150,000,000 won at a joint security interest rate of 150,000,000 won against the Defendant and the Plaintiff’s loan to E, set the maximum debt amount as KRW 6,051, G1,000,030,000.

[Ground of recognition] Facts without dispute, Gap evidence 2, 5, Eul evidence 3, the purport of the whole pleadings

2. According to the facts of recognition of the cause of claim, the defendant is obligated to pay the principal, interest, and delay damages under the loan agreement of this case to the plaintiff, except in extenuating circumstances.

3. Determination of nullity defenses due to false conspiracys

A. The Defendant’s assertion that the instant loan contract was concluded under the name of the Defendant by lending the name of the loan to H, and the actual obligor is H, and the Plaintiff also entered into the instant loan contract under the name of the Defendant, notwithstanding the fact that the actual obligor was H in order to avoid the limit of the same person’s loan to H. Thus, the instant loan contract is null and void as a false declaration of agreement.

B. (i) In order to establish a false declaration of agreement, there is a difference between the truth and the indication of the declaration of intention and an agreement between the other party as to the inconsistency. If a third party directly signed and sealed the loan-related documents, such as a letter of loan for consumption, as the principal debtor or the joint guarantor, the third party himself.

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