Chapter 42 Brother, you are young
Zhang Zhiyong blinked and then said "oh".
He glanced at Li Rui again and smiled:
"I said this little brother looks familiar. You said Xie Bingran and I remembered him."
Xu Chen: "How much does she owe? Let's clear the debt."
Zhang Zhiyong held a cigarette in his mouth and looked Xu Chen up and down:
"Little brother, I have thirty or forty thousand, not three or four hundred."
Xu Chen's expression remained unchanged: "Since we are here, and Officer Chen is following us, we must have collected enough money."
Zhang Zhiyong was stunned, glanced at Chen Xinlan on the sofa, and immediately laughed.
With a cigarette in his mouth, he walked to the desk beside him, then picked up an account book from the cabinet behind him, opened it and looked for it.
"Thirty-seven thousand four thousand with interest."
Xu Chen said: "How much is the cost and how much is the profit?"
Zhang Zhiyong squinted his eyes and took a puff of cigarette:
"Am I going to lie to you high school students?"
Chen Xinlan on the side glanced at Zhang Zhiyong:
"If someone brings money to pay off a debt, does he have the right to know?"
Zhang Zhiyong quickly smiled and looked down at the accounts:
"Xie Bingran borrowed 30,000 yuan, and the interest so far is 7,438 yuan and 64 cents.
If I can pay it back today, the fraction of the thirty-eight yuan will be erased. ”
Xu Chen was speechless.
The loan principal of 30,000 yuan has more than 7,000 yuan in interest...
Xie Bingran must have had no choice but to borrow such a high-interest loan.
Li Rui and Fang Tao also looked surprised. Although they had known for a long time that Brother Bing owed more than 30,000 yuan, they were still a little surprised when they learned the real number.
Their family conditions are very average. For many rural families in towns and villages, 37,000 yuan may be their total family income for several years.
Chen Xinlan frowned: "Your interest rate is really high."
Zhang Zhiyong laughed:
"Officer Chen should know very well that we are all legal and compliant, and all procedures are complete. You have checked several times."
Chen Xinlan said nothing and turned to look at Xu Chen.
There was some helplessness in her eyes, and Xu Chen could roughly understand it.
In small counties in 2006, there were still many lending companies that were wandering on the edge of the law, and the state had not yet begun to take strict measures.
Xu Chen looked at Zhang Zhiyong: "Do you have Xie Bingran's loan receipt?"
Zhang Zhiyong:
"Yes, we are a serious and legal company. Even if the other party is a high school student, he has signed a formal loan contract."
As he spoke, he rummaged through the cabinet, took out a contract, and threw it on the desk in front of him.
Xu Chen walked over, picked up the contract and started reading it.
Zhang Zhiyong held a cigarette in his mouth and added:
"Oh, by the way... Xie Bingran was underage when she borrowed the money. She came with her grandmother's ID card, so she signed two names on it."
Chen Xinlan said: "You dare to borrow minors."
Zhang Zhiyong smiled again: "We are legal and compliant. Besides, who hasn't had some difficulties? We are also doing good deeds and accumulating virtue."
Chen Xinlan snorted coldly, showing contempt.
Xu Chen read the contract carefully and found that the loan principal was indeed 30,000 yuan. According to the interest rate and time in the contract, the principal and interest of more than 37,000 yuan was no problem.
Turning to the end of the contract, there are copies of the two ID cards and their respective handwritten signatures.
One of them belongs to Xie Bingran, and the other is naturally grandma's.
After everything was confirmed, Xu Chen took out the four envelopes from his arms, which were exactly 40,000 yuan.
Three stacks of ten thousand are placed on the table, which is thirty thousand.
Some were taken out of the other stack of ten thousand, leaving exactly seven thousand four hundred, which was also placed on the table.
"Just click it." Xu Chen said coldly.
Zhang Zhiyong puffed on his cigarette, looked at Xu Chen with great interest, and said with a smile:
"You really have it..."
Xu Chen's face was expressionless and he didn't say anything.
Zhang Zhiyong put out the cigarette butts in the ashtray, picked up a few stacks of money with two big hands wearing gold rings, and counted them carefully. He took out a purple light for money detection from the drawer, looked at it, and then smiled and said:
"No problem, thank you so much, little boss! Xie Bingran's debt will be settled today."
He picked up Xie Bingran's loan contract and said:
"Wait a moment, I will give you a signature to cancel the account."
As he spoke, he picked up a large seal from the table and stamped it on several parts of the contract.
The seal is a proof of "debt cancellation", with the words "debt paid off" written on it.
He picked up a signature pen and signed his name on each seal.
After everything was done, the contract was handed over to Xu Chen.
Xu Chen took over the contract: "Are there no other mortgage certificates or anything like that?"
Zhang Zhiyong smiled and whispered:
"Don't worry, little brother, I won't lie to you. You brought the police here today, and I don't have the guts."
Xu Chen said nothing and took over the loan contract.
Check out the 16-9 book bar and see the correct version!
I carefully checked the signatures of each "cancellation", took out the last two pages of ID copies, and put them together in my backpack.
Zhang Zhiyong picked up half a pack of cigarettes from the table and handed it to Xu Chen.
Xu Chen waved his hand: "No."
Zhang Zhiyong smiled:
"Brother, you are young, brave and resourceful, and your future is limitless..."
He picked up another business card from the table and handed it to Xu Chen.
"If your family needs funds, you can come to me at any time. Or if you have idle funds at home, you can also entrust me with loans.
My little brother is a talented person. If he can’t find a job after graduation, he can come to my place. ”
Xu Chen took Zhang Zhiyong's business card, glanced down at it, but just smiled and said nothing.
He turned to Chen Xinlan and said: "Officer Chen, okay."
Chen Xinlan nodded and got up from the sofa.
Zhang Zhiyong also quickly stood up with a smile:
"Officer Chen, I've always wanted to treat you to dinner, maybe today!"
Chen Xinlan didn't have a good look on her face: "No need."
With a smile on his face, Zhang Zhiyong "escorted" Chen Xinlan out.
Chen Xinlan said again: "I will pay off this debt today. Don't cause any trouble later."
Zhang Zhiyong looked serious:
"Officer Chen, what you said is serious. We are a serious business and we want to be repeat customers. How can we have any tails!"
……
Amid Zhang Zhiyong's laughter, Chen Xinlan and Xu Chen went downstairs.
"Thank you, Officer Chen. Thank you for being here today." Xu Chen said seriously.
Chen Xinlan: "It is your duty to call me. If Zhang Zhiyong still causes trouble in the future, just contact me."
As she said that, she glanced at Li Rui.
There was a bruise on Li Rui's cheek. Although Chen Xinlan was young but had rich experience in handling cases, she guessed that she was beaten by Zhang Zhiyong's people.
"Okay, I'll go back first!" Chen Xinlan said with a smile.
"Thank you, Officer Chen..."
Xu Chen and the others watched Chen Xinlan leave, and then walked towards the school.
Xu Chen took out his phone and checked the time:
"Hurry, the afternoon class is about to start!"
As he spoke, he opened his legs and ran.
Li Rui and Fang Tao were stunned and quickly chased after him.
Xie Bingran went to "find a solution" on his own.
I don’t know what happened...
(End of chapter)