陕西省西安市中级人民法院 民  事  裁  定  书   (2020)陕01民申380号再审申请人（原审被告）：陈月梅，女，汉族，1977年XX月XX日出生，住西安市新城区。委托诉讼代理人：刘贵生，陕西省老法律工作者协会法律工作者。被申请人（原审原告）：平安银行股份有限公司西安分行，住所地西安市新城区东新街 240 号意达综合楼一至三层。法定代表人：梁邦海，该分行行长。 委托诉讼代理人：汪龙（该公司员工），男，1988年3月21日出生，汉族，住西安市新城区。再审申请人陈月梅因与被申请人平安银行股份有限公司西安分行（以下简称平安银行西安分行）借款合同纠纷一案，不服新城区人民法院（2019）陕0102民初7768号民事判决（以下简称原判决），向本院申请再审。本案依法组织合议庭进行了审查，现已审查终结。陈月梅申请再审称，（一）原判决审理程序违法。申请人一直在西安市新在区XX广场XX号从事服装经营，但从未收到过法院任何法律文书，原审法院未向申请人送达法律文书，适用公告送达程序，缺席审理，严重剥夺了申请人的诉讼权利。（二）原判决认定事实缺乏证据证明。签订合同时申请人没有认真阅读条款，被申请人也没有向申请人释明特别约定的条款，只是口头告知本案贷款系十年循环滚动，导致申请人对合同内容存在重大误解。本案借款滚动展期为10年，所借款额仍在约定期限内，申请人没有逾期违约。（三）有新证据足以推翻原判决。现提交2020年7月平安银行95511的短信截图一份，证明平安银行的利息过高，超过了法律规定的年利息24%，超过部分不应支持。依据《中华人民共和国民事诉讼法》第二百条第一项、第二项、第六项、第十项规定申请再审。平安银行西安分行提交意见称，原判决正确，应予维持。本院经审查认为，陈月梅与平安银行西安分行签订的《个人信用额度贷款合同》系当事人真实意思表示且内容合法，属于合法有效合同，当事人应当按照合同约定履行各自义务。合同签订后，平安银行西安分行依约履行了出借义务，但陈月梅未按约履行还本付息义务，构成合同违约，原审法院认定陈月梅违约并依据合同约定判令其偿还平安银行西安分行借款本金、利息、罚息、复利及律师费，事实根据和法律依据充分。本案审查中，陈月梅对原判决认定的基本事实并无异议，只是认为合同内容与银行业务员介绍的情况不符，但未提供相应证据证明其主张，故陈月梅认为原判决认定事实缺乏证据、适用法律错误的事由不成立。原审法院按照陈月梅贷款合同载明的住所向其邮寄开庭传票，邮寄送达未果后即登报公告送达相关诉讼文书符合法律规定。且经审查，陈月梅申请再审所提交的平安银行的短信截图并不能证明原判决认定的基本事实或者裁判结果错误。综上，陈月梅的再审申请不符合《中华人民共和国民事诉讼法》第二百条第一项、第二项、第六项、第十项规定的情形。依照《中华人民共和国民事诉讼法》第二百零四条第一款，《最高人民法院关于适用的解释》第三百九十五条第二款规定，裁定如下： 驳回陈月梅的再审申请。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        审 判 长  刘  晓  渭审  判  员  唐      辉审  判  员  陈  媛  媛 二○二○年九月十日  书 记 员  张      莹 2020013801977070799154656101221977070717269161010205714100762019010277681