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男子狱中服刑被人P图补手机卡 银行卡遭盗刷51万
2017-08-15 12:33:17 中国经济网
多张银行卡与手机号关联 两次被人冒名补办手机卡
“拿张登记照P个图就能补办电信手机卡,然后盗刷了我5张银行卡,51万元就这样不翼而飞了,我一定要讨个说法,虽然硚口区法院和市中级法院都以不属于经济纠纷案件为由驳回起诉。”昨天,拿到市中院裁定书的蔡先生已委托律师向湖北省高级法院申请再审。
未尽审核义务
应担侵权责任
湖北昊楚律师事务所律师梅勇表示,本案中电信公司因未经持卡人蔡先生允许为其在网上办理补卡手续,因为审核不严被人冒用身份补办,并被犯罪分子利用,最后将其数张银行卡盗刷,导致客户巨额损失。
电信公司在业务办理的过程中存在明显过错,未尽到审核义务,侵犯了客户的财产权利。根据我国《侵权责任法》的规定,电信部门如有侵权行为,是应当承担相应侵权责任的。刑事案件的侦破与否,并不影响蔡先生向电信运营服务商主张权利,法院以此驳回起诉不当。
如果在此情形下,公民的合法权利得不到法律公平正义的保护,将严重影响公民对于电信服务、银行资金安全的信心及交易安全的保障。导致的后果是,公安局尚未破案,民事赔偿不能实现,公民需要为他人的过错自行买单,不利于手机运行商服务的提高改善,相关网络犯罪会愈演愈烈。
律师建议:因现在手机具有超强的支付功能,相关的网络通讯运营商应当谨慎开展网络补卡业务,此类业务最好经客户授权后再办理,并经严格审核,保证服务质量。
对于客户来说,平时应当注意保护好个人信息,银行信息,注意不外泄。在遇有朋友通过网络借款等情况时应及时核实,避免不必要财产损失。
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