Chapter 28: Financial Company
Alright, this is a company that hangs up the sign of financial consulting but actually operates as a usury company. According to law, any loan with an interest rate exceeding four times the highest bank rate is considered usury and is illegal, not protected by law. But laws are also man-made, and these companies can even use legal weapons to defend their rights.
The crux of the matter lies in the down payment.
Suppose you borrow 200,000 yuan, but only receive 150,000 yuan, and the remaining 50,000 yuan is considered interest. The remaining part is explicitly written into the loan contract as a private loan interest rate of 3.8 times the maximum bank interest rate. When the debtor fails to repay the loan within the contracted period, the creditor will sue the court to require the debtor to repay the principal of 200,000 yuan, plus the interest and penalty stipulated in the contract that complies with legal regulations.
In a society governed by law, usury is no longer collected through violence and intimidation, but rather through the use of legal weapons in broad daylight. Of course, litigation is disliked by everyone except lawyers, so before resorting to lawsuits, companies will still engage in some strong-arm tactics. However, they are very measured and won't give debtors an excuse to turn the tables on them.
In addition to these, loan shark companies also have quite sophisticated anti-detection capabilities. Any borrower will be searched thoroughly to avoid leaving any audio or video evidence that is detrimental to the company.
Yu Ming walked into the company and found that the reception desk was a muscular man. After glancing around, he understood what kind of company this was. It wasn't his first time dealing with them.
"Please sit down." A fat man in a suit with his shirt open walked over and said, "My surname is Diao, brothers all call me Big Brother Diao."
Yu Ming, Star Survey Company's.
"No nonsense." Old Xiang took out a photo: "Help me find this woman, and I'll pay you 20,000 yuan." The woman in the photo was around 23 or 24 years old, with bangs covering her forehead, a small bundle of long hair reaching down to her waist, and a striking hairstyle. Her smile had a hint of mischief. At first glance, she appeared to be an only child from a well-off family. However, it was a blurry photo taken by a surveillance camera.
It's about finding people. It's strange, today everyone's things are all related to women, but it's not an affair. Searching for missing persons, this task doesn't seem to have been assigned to Du Qingqing. Yu Ming took out a contract from his new briefcase, filled in some information, and handed the contract over to Xie Lao Da.
"I don't want to see these, Lawyer Wang, take a look."
"Good." A man in his forties with a refined demeanor took the contract and walked away to read it.
"I need a little more information."
Xiao Lao Da took out a stack of documents and threw them on the table. Yu Ming flipped through them, they were loan contracts. The girl's name was Shen Diu Diu, she used a house as collateral to borrow 800,000 yuan, but only received 600,000 yuan. Because it had been more than three months since the loan period expired, the lawyer sued in court. However, the court told the lawyer that there was a problem with the property certificate. After investigating the property certificate, they found out that it belonged to an old lady's house. Through professional identification of the photocopy, they discovered that this was a forged property certificate made by an expert.
"How high? Just how high?"
"He said: 'She or her accomplices invaded the property information, and when our people went with her to the housing administration office to inquire, the data confirmed that she was indeed the owner of the house.'"
Yu Ming was slightly surprised: "The ID card is fake, and the property certificate is also fake? Is there a hacker with such good skills? This could be a scam group. I think it's better to report to the police. And if I'm not mistaken, the signature on this document was written with her right hand, which isn't her dominant hand."
Usury gang leader said: "If there's trouble, of course we'll look for the police. We reported the case at the first time. The police are a group of idiots, they took away the contract to inspect and found that except for my and my lawyer's fingerprints, there was no third person's fingerprint on it."
"You mean she didn't leave any fingerprints when signing the documents? And she seemed very calm and natural at the scene?"
"I know what you mean, but that's just the way it is. These deadbeats, they fall into my hands, and I castrate all the males and sell the females to African brothels. Damn it!" Xiang Lao Da slammed his hand on the table and asked: "Hey, are you done asking questions or what?"
"In two weeks, whether or not we find him, we will give you a message. However, for this kind of search, a deposit of 1,000 yuan is required in advance, and if the person is not found, the money will not be refunded."
"One thousand yuan, I'll give it to you." Boss Xiang looked at Yu Ming: "You'd better find out the information for me, otherwise I won't be happy and might take it out on you. Have you read the contract?"
"Alright." The lawyer brought over the contract and said, "No problem."
Xiao Lao Da pulled out a bundle of cash from his suit pocket, counted out 1,000 and threw it on the contract. Yu Ming completed the formalities, handed a copy to the lawyer, then photocopied the loan agreement and left the financial company. He wouldn't take the other party's threatening words to heart. These people were just showing off for themselves. They were thugs, but also businessmen. Businessmen wouldn't risk getting into trouble just to vent their anger. However, it was hard to say with a group of swindlers. This wasn't entirely about money, but also about saving face.
The company's external affairs were exposed, revealing the contemptuous gaze of two financial companies' younger brothers. Yu Ming comforted himself and made a contribution to the earth's environmental protection. On the bus, Yu Ming looked at the materials, if his inference was correct, this was a fraudulent crime gang. To be honest, it wasn't someone like Xiao Lao Da who could handle it. At the same time, Yu Ming was also puzzled, why would such a professional gang take action for just 600,000? 600,000 was not even considered money to these people. Even for ordinary people, 600,000 was only enough to buy a bathroom in A city.
This inference, this scam is more like a punishment or revenge. Six hundred thousand, it's not a big deal for revenge, and the other party may not have spent too much thought on this scam.
Yu Ming returned to the company and pulled a chair over to sit next to Li Fu, asking: "Computer Ph.D.?"
Li Fuxiang thought: "Illegally invading others' computers is against the law." He was very clever.
"Help me find a lawyer."
"What are you looking for?"
"I want to know about the civil cases this lawyer has been involved in over the past three months and within the last six months."
"These materials should be available for inquiry at the court, right?"
"So it's not illegal." Yu Ming wouldn't go to the court to find these documents, he knew it would be a hassle for the court staff. And who knows what kind of procedures they need to get this proof. Yu Ming also didn't know if these documents were public or not. Maybe in America they are, but not necessarily in China.
Li Fu was just joking, the information can't be found. At most, you can only inquire about a lawyer's qualifications and relevant work experience at the Judicial Bureau. Especially in civil lawsuits, it belongs to privacy. The court is even more unlikely to disclose it. Li Fu said: "I'll give you news tomorrow."
"Thank you, this order is settled, I'll treat you to dinner." A 200,000 yuan deal can earn a commission of 20,000. Equivalent to the basic salary after converting from intern to full-time. Contributed performance for Du Qingqing and earned living expenses for herself. A win-win situation for both parties.
