my old life

Chapter 2565

Tonight Hou Sanye invited this smiling tiger to accompany him. It is very likely that it is a reserved killer move, at least he must be an eloquent person.

Generally speaking, finding a companion has a specific function. When you have the upper hand, you will take advantage of the opportunity to open your mouth, and when you have the upper hand, you will help smooth things over.

"Boss Ma, this kid is none other than Xiong Jiudong's nephew!" Mr. Hou said meaningfully, which sounded a little strange.

"Oh? He's A Dong's nephew?" Boss Ma narrowed his eyes slightly, but his little eyes were full of energy!
In an instant, I felt a murderous aura in him. This is a very clear feeling. I have felt it in countless people.

"Is this Boss Ma right? Let's talk about the old days later, let's explain clearly about my brother's accounts."

I greeted him with a smile, and changed the topic quietly, I don't want to argue with this guy.

"You kid wants to settle the account, then you really have to find Boss Ma, this is a account he took over."

Hou Sanye said with a smile, I knew at a glance that this was a routine for the second ghost to carry the sedan chair for me.

Mr. Hou made the accounts clear. Even if someone speaks loudly, it has nothing to do with him. I don't know this so-called Boss Ma, and I can't find a place to find trouble...

I know it's a trick, but I definitely won't fall for it.

"I heard that he owes money to Tiancheng Finance, isn't that the debt of Brother Tian? Why is it in the hands of your boss Ma again?"

I asked word by word, they want to play the routine of 'turning white strips', but I don't accept their tricks.

"Brother, don't you know? I, Ma, have been cooperating with Brother Tian all the time. You can find out about it by just asking around."

Boss Ma looked at me seriously, and I turned my head to look at Su Yurong, who nodded with a complicated expression.

Just looking at his expression, I knew there was something wrong. I'm afraid it's definitely not the same thing. It's very likely that Su Yurong was tricked by someone!

"Did you borrow usury back then? Or was it transferred from a regular company to them?" I asked in a low voice, it's not the same thing.

Generally speaking, financial companies that can be listed will not mess around. At least they must have a legal charging standard, which is different from usury.

If financial companies dare to act recklessly, there are many departments that can mess with them, and they may even be at risk of being delisted.

"The financial company was transferred later..." Su Yurong replied in a low voice, and I understood it as soon as I heard it!

If the normal financial loan is not repaid, then the debt is likely to be 'transferred to an IOU', and changing the debtor is the most common method.

For those old Lai who don't pay back the money, the financial company doesn't have many effective solutions, and it will take a long time to sue through formal channels...

Turning to an IOU has become the most commonly used method, and it is also the method with the fastest effect!

Generally speaking, transferring IOUs is to transfer debts to people outside the financial company system. Most of them are Jianghu people and debt collection companies. Those people don’t care whether they do things legally or not.

Transferring IOUs is not just to change the debt, but more to increase the principal amount to obtain higher interest, commonly known as rolling interest.

"It turns out that Boss Ma is the second shopkeeper. How much principal does he owe you?" I asked with a smile, and I knew they would definitely open their mouths.

"Principal 60, interest 90."

"Isn't it? With his appearance, how can I borrow you 60? Can you tell me where he is worth 60?"

I pointed to Su Yurong. This guy is poor and has no mortgage or guarantee. He will never be able to borrow 60 principal. These lenders are not stupid!
No one will make high-risk investments, and the lenders know this better than anyone, so this account has been tricked!
"It's clearly written in black and white, as well as his signature and handprint." Boss Ma pointed at Su Yurong with a smile, but his method didn't work for me.

"Boss Ma, you really know how to joke! Su Yurong, how much principal did you borrow in the first place?" I changed the subject and asked, I think the amount of money should not be too much.

"Sixty thousand." Su Yurong answered without hesitation, but I was not surprised at all.

It is okay to borrow money in the society, but only if you have to borrow and pay back!Once you don't pay back the money, you will be transferred to an IOU, and it will be troublesome at that time!

"How many times have you borrowed in total?" I asked patiently, I have to ask clearly about this account.

"Just once." Su Yurong's face was very complicated, and he probably knew he had fallen into a bottomless pit.

"Listen, Boss Ma, the principal is not worth the money! Have you exchanged IOUs many times with interest?"

I have a clear understanding of the means of usury. What we pay for usury is the interest on the principal. If the money is not paid, the interest will be included in the principal and the IOU will be rewritten, and the IOU will be repeated again and again.

It seems that the interest is their income, but the interest is the interest and the principal is the principal, and they must not be confused!
"Don't worry about changing the IOUs a few times in the middle, that's how the accounts are calculated. If you don't want to, then pay back the money early! We hope that he will pay back the money sooner!"

Behind Boss Ma, a guy wearing glasses was speaking strangely. The account information that Boss Ma asked him just now must be an accountant or something.

"It's natural to pay back the money, but according to your calculation, can he pay it all in this lifetime?"

"You don't have to worry about this! If we don't make it, we will naturally have a way!" The guy wearing glasses spoke very strongly, clearly threatening.

"Yo? Such a tough tone? Are you planning to take him to the vegetable market to kill and sell meat? Or stew him in an iron pot?"

I joked, I will not bear this debt!
In fact, the quack loan sharks like people who think they are unlucky. Their algorithm seems to make sense, but it is not legal.

A debt of 50 principal and 60 interest and a debt of [-] are not a concept at all!
If they were asked to ask for 150 million interest with [-] IOUs, they would not be able to do it themselves...

"Boss Ma, I am very sincere in coming here today to give him the bottom line. Can I come up with a solution?"

I said something with a smile, and I always kept a smile on my face, because I was really sincere.

"Oh? Let's hear it."

"The principal is [-], and the account will be calculated according to the monthly interest rate of [-]%. From the first day of borrowing to today, do you think it will work?"

"Fuck! What the hell are you playing with me? Crack!" Boss Ma stood up and dropped the cup, I shrugged with a smile.

"The rules of the rivers and lakes are nine times out and thirteen times out. If I borrow 24 yuan, I will repay [-] yuan in ten months. Adding in compound interest and adding [-] yuan is hard work. Is there a dime more?"

I straight-forwardly stated that it was their responsibility to settle accounts out of all nine out of [-], and they would not suffer.

Nine out and thirteen returns are the rules of lending in the rivers and lakes of the past dynasties. If you lend ten to nine, you will repay thirteen.

"Why are you negotiating terms with me?" Boss Ma changed the topic, and his tone softened.

Just now I have shown my tough attitude, which is within the range I can accept, and it is also a hook for them.

Only when a person is strong can he not be bullied by others. If I talk to them in a friendly manner, I will not be able to talk about the Year of the Monkey.

"If you want to settle the account, then settle it, if you don't want to, just pull it down! Let me put it here, the decision is in your hands!"

"Should I say no?" Boss Ma narrowed his eyes and looked at me, and I could hardly see his eyeballs.

"That's simple! If you keep the person, it doesn't matter if you want to kill and sell the meat or stew it for food, and it doesn't matter much to me."

I changed the subject and acted like it had nothing to do with me. I want to settle the accounts but I can't make people think that I'm being taken advantage of, let alone make people think that I have to talk about it!
"Then I'll keep this guy." Boss Ma said with a smile, it seemed that he was sure of Su Yurong.

"Su Yurong, did you hear that? They're trying to suck your blood dry. You'd be better off jumping off a building than working with this kind of person."

Su Yurong's expression changed when he said this, but Boss Ma's expression on the opposite side also changed... If he really jumped off the building, he wouldn't get a dime.

What the loan sharks fear most is not that they will not repay the money, but that the person who owes the debt will die... because the debtor dies.

I know very well what the loan lenders are afraid of, and they also know very well that they cannot let me go tonight, because I can make Su Yurong 'fly away' at any time!
(End of this chapter)