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1. Each of the plaintiff's claims is dismissed.
2. The costs of lawsuit shall be borne by the Plaintiff.
Reasons
1. Basic facts
A. On January 26, 2016, Defendant D’s loan (1) was received at the call center of Defendant D Co., Ltd. (hereinafter “D”) with the Plaintiff as the applicant for the loan. Defendant D confirmed the applicant’s name, address, mobile phone number and workplace name, payment date, and membership date through the mobile phone identity certification procedure.
(2) In addition, Defendant D had F Co., Ltd. perform the debtor identification procedure on February 3, 2016. The employees of F Co., Ltd. were issued a written application for a loan with a cell phone number with which the principal authentication was completed, and then the Plaintiff claimed as the Plaintiff was delivered.
(3) On February 8, 2016, the Defendant collected the documents for application for loans under the name of the Plaintiff from F Co., Ltd., and received the Plaintiff’s employment certificate issued on the 12th of the same month by G Co., Ltd., the Plaintiff’s work-based company, G Co., Ltd., the Plaintiff, on the 17th day of the same month (the Plaintiff’s employment certificate was issued on January 13, 2016 and re-issued the Plaintiff’s employment by means of telephone conversations
(4) On February 16, 2016, the Defendant received the details of the account transaction issued by an I Bank, an I Bank, which is the Plaintiff’s wage account, and approved the loan after the applicant’s confirmation process as the contractor himself/herself. Accordingly, on February 17, 2021, the loan term was extended to KRW 8,000,000, with the loan interest rate of KRW 9.09%, and the loan was deposited to the J Bank account under the Plaintiff’s name.
(hereinafter “instant First Loan”). (b)
On January 25, 2016, Defendant B’s loan (1) was received on the Internet website of Defendant B Co., Ltd. (hereinafter “B”) by means of digital signature using the Plaintiff’s authorized certificate.
(2) Defendant B is a copy of the Plaintiff’s resident registration certificate.