He is a bank employee. Four years after he was transferred from his unit, the original unit said that there was a written-off loan. After the write-off, the credit file was not handed over. At present, it is only first, you can claim the creditor's rights, because the bank has never received the repayment from the lender. If there is repayment, then there is a repayment record, so you can continue to claim the creditor's rights.

second: it must be related to the person transferred from the unit. Because he didn't hand over the file, the bank didn't know that there was such a loan outstanding. At the same time, the bank can think whether the staff member transferred from the unit intentionally conceals or hides the loan file, and of course he will bear the responsibility for the loss of funds.

Third, because the loan management unit did not receive the loan file, which caused the loss of funds, this responsibility should be borne by the person transferred from the work unit.

Fourth, if the lender charges, then the first defendant is the transferred staff member and the second defendant is the lender. Due to the fault of the first defendant, This caused the loan not to be recovered on time, and also caused financial losses. The responsibility of the second defendant is that he knowingly borrowed the money, but deliberately did not take the initiative to fulfill his obligations and deliberately delayed the time, resulting in consequences. Once the lawsuit is filed, the court will support the right to manage the lender. From what you said above, the lender is not at fault, but the real fault lies with the first defendant and the second defendant.