In an era where everyone is cultivating immortality, the system wants me to become a demon?

Chapter 215 With a flick of the finger, the loan shark gang is destroyed! (4K downloads, please subscribe! Please vote!)

"boom--"

With a loud bang, the already dilapidated door was kicked open.

A young man in his early twenties, dressed in a suit and with blond hair, swaggered into the room.

"It's time to pay back the money! Where is he?!"

The blond-haired youth put his hands in his pockets, shouted at the top of his lungs, and then looked at a middle-aged man in the corner of the low-rent apartment.

Seeing the blond-haired youth looking over, the middle-aged man trembled, his numb expression first turning to fear, then to fawning:

"Deacon Gao... Deacon Gao!"

The unkempt middle-aged man crawled on all fours like a dog to the blond youth, grabbed his trouser leg, and said with a mournful face:

"Steward Gao, please grant me a few more days..."

"If you could lend me some more, that would be great. I'm sure I can turn things around this time."

The blond-haired young man, referred to as Deacon Gao, straightened his face, kicked the middle-aged man away, and spat fiercely:
"I've already given you several leeway!"

"You don't look for a proper job, all you do is think about buying lottery tickets or going to casinos all day long. What kind of pipe dream are you having of turning your fortunes around?"

"A scum of society like you, even if the higher-ups had already forbidden me from lending you money, I wouldn't waste my money on a piece of trash like you!"

As he spoke, Deacon Gao kicked the middle-aged man several times:

"Get to work right now, or I'll break your legs next time and make you beg on the streets."

After a beating and scolding, Deacon Gao walked arrogantly to the door, casually hooked the door of the low-rent housing with his foot, and slammed it shut.

Deacon Gao didn't get the money he wanted on this trip, but he wasn't in a bad mood.

On the contrary, he is quite refreshed now.

Being able to hit and curse at people without restraint, without worrying about the other party reporting it to the police, is such a stress reliever.

He would rather that middle-aged man never pay back the money and continue to be his stress-relieving toy.

"However, the gang also has a certain amount of bad debts to pay off, and that gambling addict still has to pay back the money he owes."

"Otherwise, I'm afraid my hard-earned position as a deacon will be revoked."

Deacon Gao walked down the street, a cold smile playing on his lips:
"Next time, try scaring him with his daughter's safety... He won't actually do anything to her, but it should give that gambling addict a good scare."

Just as he was plotting how to bully the loan sharks, an old man on the street suddenly caught his attention.

It was an elderly man who looked to be over a hundred years old, standing in front of the bank branch, urgently saying something to the staff.

After listening for a while, the staff shook their heads repeatedly, and the old man could only leave the station dejectedly, clutching the thin wad of banknotes.

Having been immersed in the microfinance industry for several years, Manager Gao immediately sensed a business opportunity.

"Does this old man urgently need money?"

A glint of shrewdness flashed in Deacon Gao's eyes, and he immediately stepped forward with a warm expression, asking with concern:
"Sir, you've looked worried the whole time. What's wrong?"

The old man seemed to lack someone to confide in, and said hesitantly:
"The college entrance exam is coming up soon, and my grandson's physical education grades aren't very good. I want to buy him some body-strengthening pills, but I don't have enough money in my savings account."

At this point, the old man began to mutter to himself:

"What if my precious grandson doesn't get into university...?"

Deacon Gao suddenly understood, but kept a straight face and said:
"Sir, your concerns are valid. The college entrance examination is a watershed moment in a child's life!"

"Whether or not I can get into a good university might depend on these one or two pills. I shouldn't skimp on this money."

The old man said sadly:
"But I have no money. The bank staff think I'm too old and won't lend me any money."

"My son complains that I'm worrying unnecessarily. He has money but won't let my precious grandson spend it! How can there be such a heartless father in the world!"

Upon hearing this, Deacon Gao couldn't help but feel excited.

What a great customer!
He realized that the old man was probably worrying unnecessarily.

Even though his grandson's studies were normal and the family was not short of money, he still insisted on showing off by buying body-refining medicine for his grandson.

If we can entice this old man to take out a loan, even if he can't repay it, his children can!

Deacon Gao had already figured out how to collect the debt from the old man's son.

"Sir, you wouldn't want your son's college entrance exam to be affected by debt, would you?"

This money is absolutely guaranteed.

Deacon Gao immediately began to incite:

"Old sir, you've really met your match!"

“I know a loan platform with very low interest rates. If you need money urgently, I can introduce you to it.”

Upon hearing this, the old man, intrigued, asked:

"The interest rate isn't high? What exactly is the interest rate?"

Deacon Gao smiled slightly and said:

"The annual interest rate is no more than 20 percent, and if calculated monthly, the interest rate is about 30 percent."

"Ah! Isn't that loan sharking?!"

The old man immediately became alert.

Deacon Gao tugged at the old man's sleeve and said in a low voice:

"So what if it's usury? Can such a small difference in interest rate really compare to your grandson's bright future?"

"Let me calculate it for you carefully, old man."

"Let's assume you want to borrow 100,000 yuan. Even if the bank lends you the money, the interest rate will be at least between 10% and 13%, which is indeed more cost-effective than usury."

"But the problem is that banks won't lend to you, and if you apply for a loan through our platform, what's the difference between those extra few percentage points and the intermediary fee?"

"It's just a few percentage points. At a 20% annual interest rate, it's only about ten yuan more a day. How is that much?"

Deacon Gao used various euphemisms and understatements to successfully confuse the old man.

Under the guidance of the former, the elderly person downloaded the Loan Helper APP and linked their ID card and bank card.

Immediately afterwards, the loan platform's backend will begin verifying the funds.

The elderly person certainly wouldn't be able to pass the test, but the loan company was quite understanding; they only needed to submit the asset information of their immediate family members.

Faced with this hurdle, the old man became nervous:

"Hey Gao, I don't want my son to know about my loan. Could you lend it to me first?"

"I'll be able to collect my pension soon, and I'll pay you back when it arrives."

Deacon Gao glanced at the old man's ID card and saw his age.

One hundred and twenty-four years old.

Qi Refining stage cultivators live longer than ordinary people, and with various medical care, living to 150 years old is the norm.

Therefore, pensions are generally paid out at age 125.

Is it going to be delayed for a year?

But who knows, something might happen to this old man.

The risk is a bit high.

Deacon Gao frowned, but ultimately decided to play it safe and said sincerely:

"Sir, your pension hasn't been paid yet, has it? This isn't in accordance with the rules."

Just as the old man was about to say something more, his phone suddenly rang, and the name on the caller ID read "son".

This made the old man a little nervous, and he carefully answered the phone.

"Dad! Did you go to the bank to take out another loan?" "I've already told you that Xiao Bao's studies are none of your business, none of your business, why are you so stubborn?"

"I'm telling you, come back right now! If you come back, I'll confiscate your bankbook and ID card, so you don't get scammed by those microloan companies."

The old man stammered a few words and quickly hung up the phone.

He seemed to listen to his son very carefully, and said:

“My son doesn’t want me to take out a loan, but Xiao Gao, you insist that I submit my son’s asset information. What will happen if my son finds out?”

As he spoke, he made a move to close the Loan Helper app and leave.

But the high-ranking deacon who witnessed this scene became anxious!

No, how can we let this opportunity slip away?
In his haste, Deacon Gao didn't have time to think of anything else and quickly grabbed the old man's hand, saying:
"Don't worry, sir. I'll apply to my supervisor and we can approve your application without verification of funds."

The elderly man finally stopped closing the loan assistance app.

Fearing the old man might change his mind, Deacon Gao quickly used his authority to apply for and disburse the loan.

The 100,000 yuan was thus credited to the account.

Looking at the loan records under his name, which showed another loan had been added, Deacon Gao felt extremely pleased.

After getting the old man's contact information and address, he happily saw him off.

"Hey hey hey, I'm really lucky today, I actually got such a big business deal for free."

Deacon Gao smugly took a screenshot of the loan record, preparing to show it off in the work group.

But as soon as he opened the work group, he was shocked to find that his colleagues were already posting various loan records.

The minimum is 50,000, and the maximum is over a million!

Furthermore, judging from the time of the orders posted by group members, the difference between the two orders was no more than fifteen minutes!
"What...what's going on?"

"Could it be that all my colleagues have fallen for this kind of old man who can fool anyone? But how could that be!"

Deacon Gao was dumbfounded, but subconsciously sent out the screenshot to avoid appearing out of place.

Even as he was sending the screenshots, many new loan record screenshots were still appearing in the work group.

Upon closer inspection, the number of screenshots is no less than five hundred!

What does 500 screenshots mean?
If you average all the loan records, each screenshot is roughly equivalent to a loan of 200,000 yuan.

Five hundred screenshots—that's a loan of a full 100 million!

Not to mention that most people are lurking in the work group, and the actual number of loans issued in this short period of time may be doubled from 500, or even more!
Upon reaching this conclusion, Deacon Gao gasped in shock!
In less than half an hour, Daibang had already distributed 200 million yuan in loans?

How much working capital does the entire loan group have?

I'm afraid it's less than 200 million, right?
With so many loans approved, the top executives at LoanBang might have to go to banks for loans themselves.

Although Deacon Gao was just a lowly deacon, he could still sense a conspiracy from the strange loan amounts and screenshots.

It's just that this conspiracy came too quickly.

It almost simultaneously covered all different ranks of the loan gang, from disciples to stewards, and from stewards to hall masters.

While conducting lending business in various parts of Taihua City, they all encountered the same fraudulent loan at the same time!
Everyone was caught off guard, and everyone wanted to seize this opportunity to lend money!

It was this human tendency to procrastinate that led them to abandon the verification process and hastily release the loan.

Take, for example, Deacon Gao.

He has finally realized what's going on, but the loans have already been issued and there's no time to get them back.

However, after a brief moment of shock, Deacon Gao was surprisingly not too flustered.

The reason is simple: he's just a working-class person.

He would panic if he was the only one making a mistake.

But now everyone at Daibang has made a mistake, which can only mean one thing—Daibang is doomed!
As expected, the three senior members of the nine loan committees in the work group all chimed in, seriously questioning what was going on with so many loans.

Among them, the gang leaders who lent out more than a million yuan were the first to be implicated.

After a serious interrogation, the three elders of the Nine Loans Group were horrified to discover that these loans, each worth millions, had not undergone any verification of funds.

If even skilled hall masters are like this, then the branch leaders and stewards are naturally even worse.

Without exception, none of them verified the funds; they directly used the lender's authority to forcibly issue loans.

Upon learning this news, the Nine Loans Elders were all stunned.

Even laymen know that the most important thing in usury is to get the money moving.

If the cash flow dries up, the microfinance group will collapse before the funds can be recovered.

Without further ado, the Nine Loan Elders immediately ordered everyone to find the group of old men and women and get the cash back.

So, Deacon Gao immediately began contacting the old man from earlier.

Seemingly sensing that the loan was doomed, Deacon Gao was not flustered at all; on the contrary, he felt a sense of excitement as if he were witnessing history.

Those high-ranking Ninth Loan Elders and Eighth Loan Hall Masters will all collapse in this meticulously planned conspiracy and be banished to the mortal realm.

I'm getting a little excited just thinking about it!
Although he was secretly gloating, Deacon Gao still worked very hard to collect the debt.

The loan platform hasn't collapsed yet, so we still have to get to work.

Unfortunately, even though Deacon Gao was very dedicated, he couldn't do anything about that old man.

Although the old man's contact information was correct, after making a phone call, he was forced to chat with the old man.

When asked about repaying the money, the old man casually brushed it off and continued chatting about everyday things.

They were clearly treating him like DeepSeek.

However, after chatting for more than an hour, Deacon Gao finally understood why the old man was so talkative.

Because this guy is an empty-nest old man with no children at all!

Throughout the year, very few people would chat with him. Now that I've taken the initiative to call him, how could I not chat with him?

No wonder this old man refused to verify the funds!

This is more than just a scam! It's outright fraud!
Even with the best attitude, Deacon was still a little bit red-hot.

Deacon Gao immediately went to the address the old man had left... only to find it empty.

It's a fake address at all.

He then checked the address on the old man's ID card.

Goodness, they're from out of town!
This is beyond the scope of Daibang's business.

Deacon Gao immediately reported the matter, and then he found hundreds of identical reports in the work group.

After summarizing everything, the loan team members discovered...

These hundreds of elderly people who suddenly appeared came from different cities, but their surnames were highly overlapping.

Each group of elderly men and women with the same surname had the same address on their ID cards, indicating that they came from the same family.

Having reached this conclusion, the Nine Loan Elders resolutely decided to go to these families and drag these old men and women out to collect their debts.

A day later, the three Ninth Loan Elders were beaten up and sent back.

The reason is simple: these families are too powerful. The Nine Loans Elders are no different from ants in front of them, and they can't even get through the door.

For a moment, the loan gang elders all wanted to call the police!
What made them even more desperate was that investigations from various parties revealed that these elderly men and women had no assets at all.

They've never even paid into their pension fund!

Clearly, they all rely on their families for support, so it's impossible for them to get their money back through legal means!
After three days of arduous struggle, Daibang finally went bankrupt and collapsed due to a broken capital chain!

(End of this chapter)