Defendants are not guilty.

1. The summary of the facts charged is a debtor using a loan of five million won from the defendant B Bank on June 15, 2010. F is a mother of E, G is a person who is in charge of the collection of claims as the principal agent of B Bank Center as the creditor of B Bank. The defendant B Bank is a corporation established for the purpose of credit fraternity business, credit installment savings business, receipt of deposits and installment savings, loan business, etc.

A. In connection with debt collection, a debt collector shall not engage in any act that seriously undermines privacy or peace in business by repeatedly demanding a person other than a debtor who is not legally obligated to repay a debt on behalf of the debtor to cause fear or apprehensions by repeatedly demanding the debtor to repay the debt. Defendant A used his Handphone on November 10, 2012, around 10:30, using his Handphone on behalf of the debtor's mother, one time at around 11:22, around 11:58 on the same day, and one time at around 11:2,30,000 won borrowed from B Bank, including interest on the debt that the victim would have to have to have been repaid, and Defendant A again made a demand on behalf of the debtor to pay the debt at an interest rate of 10,300,000 won and more than 50,000 won on behalf of the debtor (hereinafter referred to as "the debtor would have to have been paid at an interest rate of 300,500,000 won.).

B. Defendant B Bank, at the same time and place as above, committed the above act by the above defendant A, who is an employee of the defendant.

2. The defendants' assertion and judgment

A. The summary of the assertion is that Defendant A is the debtor to the victims.