The situation here is actually complicated. First of all, the rural credit cooperatives more than ten years ago have not been restructured, and the relevant systems are not perfect. No reminder is a common phenomenon in the whole country, but there is one problem you have overlooked. Your relative borrowed money from the bank himself, and he knows it. More than ten years have passed, and he has never taken the initiative to repay. With luck, this will be considered as a malicious default in law and may be suspected. Since the bank account has been frozen, there must be a basis. You said your family didn't receive a subpoena or notice. Then, have your relatives changed their phone numbers or addresses in the past ten years? The bank will not mess around. Can a bank as big as others have no legal adviser? I suggest you find someone to find out the situation in private first, and then try to return it as soon as you have money.

Two, more than ten years ago in the rural credit cooperatives loan of 2000, has not yet been returned. Is there a record now?

There must be a record in the bank's credit information system.

Moreover, the national credit information system is networked nationwide, so I suggest you handle the repayment. Because if you don't pay it back, it will affect your future credit behavior (such as buying a house, buying a car, handling a credit card, etc.). ), and once the bank collects the debt, you will have to pay it back sooner or later. The counter will not deduct the passbook, because without the authorization signed by you, the counter has no right to inquire about your personal credit and should not know your loan situation. Three, more than ten years ago in the rural credit cooperatives loan 2000, has not yet returned. Is there a record now?

I suggest you consult the staff of the local rural credit cooperatives. Personal credit reports generally show overdue records in the past five years. Inquire about personal credit report through the personal credit service platform of China People's Bank Credit Information Center. Credit Information Center official website:

Four, more than ten years ago in the rural credit cooperatives loan 2000, has not yet returned. Is there a record now?

There must be a record. Borrowing money with real identity information will one day come to ask for money, and then you can pay a large penalty. Don't have any illusions, it's not that I didn't come to you, it's just the wrong time.