Tiger Police

Chapter 410 Repayment
"I borrowed 100 million from Brother Zhang." Wang Lei said frankly: "I want to turn over the book. I don't believe that my luck will continue to decline like this. I used to read "The Legend of the Condor Heroes", the book "Nine Yins" At the beginning of the chapter, I said: The way of heaven is to make up for what is not enough. I am a poor man! I will definitely be able to change my luck, and I will definitely be able to win back the money that was exported.”

The photographer next to Zhang Juan couldn't listen anymore, and muttered in a low voice: "It's really weird to have this feeling after watching "The Legend of the Condor Heroes"..."

Hu Pingtao asked noncommittally: "What happened later?"

Wang Lei said with a mournful face, "That day we started playing at 07:30 noon and ended at [-]:[-] pm. After eating, the second game started at [-]:[-], and we played all night until after [-]:[-] the next morning."

Hu Pingtao asked lightly with a sarcastic tone: "It's almost 24 hours, can't you stand it?"

Wang Lei shook his head and sighed: "I have no money... I keep losing, and I lost all of the 100 million. I emptied my pockets, and they are not willing to play with me."

Hu Pingtao made no secret of his mocking tone: "You can continue to borrow money! Anyway, this is not the first time you have done this."

Wang Lei turned sideways, glanced at Zhang Yifeng who was sitting on the sofa with a guilty conscience, then turned to Hu Pingtao and said, "Brother Zhang doesn't want to borrow...he said...he owes too much, and I have to pay back the money." Give it to him, and then talk about something else."

"I calculated it at the time, and added it up, including borrowing, and losing at the poker table. Brother Zhang helped me pay, and the total amount was more than 120 million. He put all the money together, I got a new loan agreement, and I signed it after seeing that there was no problem."

"The money is not borrowed for nothing. The daily interest alone is as high as tens of thousands. And it's a rolling interest, the kind that keeps turning over."

"The amount is too big, I dare not tell my dad, so I can only try to borrow money everywhere, trying to plug the hole here. Because I have a lot of acquaintances in the village, as long as I help each other, I can get Brother Zhang here." Otherwise, the usury will continue to roll like this, and I will definitely not be able to bear it for a long time."

"But when I asked someone to borrow money in private, I realized that it was really difficult. Although Xixi Village was demolished as a whole, each household was divided into houses and received compensation. You can distinguish the demolition before the demolition from the current demolition. It’s too big. The most valuable thing is the house, and the compensation is less. It’s not difficult to borrow a few thousand yuan when there’s an emergency. Refuse directly."

"I begged Brother Zhang to give me some time to raise money, and he promised to give me three months. Even so, the interest is still going up."

"At that time, I didn't understand this kind of compound interest calculation at all... When I was in school, I was not interested in mathematics. I had a headache when I saw numbers. I always thought that I borrowed more than 100 million from Brother Zhang, plus interest, at most No more than 150 million."

"I didn't tell my dad, I found all the connections I could find, and I collected more than 12 yuan. At that time, there was more than a week before the appointed time. I found Brother Zhang and took out all the money in my hand. I Thinking that Brother Zhang is a very loyal person and we have a good relationship with each other, so I talked about my difficulties and asked Brother Zhang if he could continue to give me another three months?"

Hu Pingtao's eyes twitched when he heard this, and secretly sighed that this kid's social experience is too little: "He agreed?"

Wang Lei shook his head: "No. What he said was very vague. He asked me to pay back the money as soon as possible, otherwise I will bear all the consequences."

"I didn't care at the time. After all, I have been with Brother Zhang for a long time, and we are very familiar with each other. We have eaten and played, and we should be regarded as close friends to a certain extent. This is a time when everyone will encounter difficulties, let alone me in the loan contract. I also signed and pressed the red handprint, I will accept the money, and I will pay for it!"

"I didn't contact Brother Zhang again after that... I was really scared. In just over a week, I lost more than 100 million at the poker table. No matter how I think about it, I think it's just a dream."

Zhang Juan felt that this person was really strange, and couldn't help asking: "You owe so much money, aren't you afraid? Why didn't you tell your father about it?"

Wang Lei said with a sad face: "I dare not say it! With my dad's temper, he would definitely kill me if he found out. So I can only hold back and not tell him. I don't think Brother Zhang will bother me. I'm still here. I found a job outside, as long as I work hard and go to work honestly, I can always pay back my debts.”

"But I never dreamed that Brother Zhang would bring someone to the door to ask for the bill."

"That happened a few years ago... That day Brother Zhang knocked on the door with six people outside. My dad came out and saw that he didn't recognize him, so he asked, "Who are you looking for? "Brother Zhang said my name. My dad thought it was my friend, so he opened the door to let them in. I came out from the back room and saw that it was Brother Zhang. I was completely shocked. Brother Zhang told my dad directly, saying that I I owe him more than 100 million, ask my dad when will he pay back the money?"

"My dad didn't believe it at all, so he called the police. When the police came, Brother Zhang took out the loan contract I signed. Well, let's figure it out ourselves."

Hu Pingtao frowned.

He raised his finger to Wang Lei, and asked Wang Gui sideways: "According to what he said, Mr. Liao should have dealt with this matter when he was in office. But I have never heard what Liao said. With Liao's character, it is impossible Ignore such disputes!"

Wang Gui nodded, puzzled: "I don't understand either, let's talk about it after checking the information on the computer when we go back!"

Hu Pingtao stared at Wang Lei, and asked suspiciously: "Please explain the matter carefully. When you borrowed money, how much was the usury?"

Before Wang Lei could answer, Zhang Yifeng, who had been sitting on the sofa, suddenly stood up, walked up to him with easy steps, and said lightly, "Let me explain this question! The interest rate is 30.00% five. The walking kind."

In this way, Hu Pingtao understood.

No wonder Liao Qiu didn't deal with this matter when he was in office, because the police station really couldn't and couldn't manage it.

The concept of "loan usury" refers to 30.00% more than bank loans over the same period VI.In other words, as long as this ratio is not higher, it will not constitute usury.

This is the official explanation.

After all, rich people are human beings too, and under conditions of tight money, companies cannot get loans from banks.If you want to survive, you can only get money from other channels to keep the capital chain from breaking.Therefore, private lending within this scope is protected by law.

No wonder Zhang Yifeng is full of confidence.

He continued: "I am an honest and law-abiding businessman. Although I engage in leasing and private lending, I have always been law-abiding."

Hu Pingtao stared at him: "Mahjong with an ante of 1000 yuan is not a small number. Your behavior has constituted a gathering of people to gamble. Is this what you call obeying the law?"

Zhang Yifeng smiled: "I admit that I played a few games of mahjong with Wang Lei, but we played very small games, no more than five yuan. If you want to find me a problem in this regard, then I am willing to accept any punishment."

He then changed the subject and pointed at the Wang family father and son standing opposite: "Don't think that you will be fine if you report to the police. It is only right and proper to pay back the debt. The court has already sentenced you, and you must pay back the money in full. .”

Hu Pingtao frowned again when he heard it next to him: "Why is it suddenly involved in the court again? What's going on?"

Zhang Yifeng explained: "Officer, you asked their father and son first when you first came in, and you didn't give me a chance to speak!"

Hu Pingtao nodded slightly: "Then tell me now!"

Zhang Yifeng turned around and winked at one of his subordinates, who nodded knowingly, came over with a briefcase and handed him a document.

"This is a copy of the loan agreement that Wang Lei asked me to sign at that time." Zhang Yifeng raised the document in his hand and handed it to Hu Pingtao: "There are two loans in total. The first time is 20 yuan, and the second time is 100 million yuan. That's 120 million."

"This is the bank transfer record at that time."

"And this is the IOU attached to the contract. It is signed and pledged by Wang Lei himself."

Hu Pingtao took the document and examined it carefully, and Zhang Yifeng did not lie.

Zhang Yifeng continued: "You continue to look down, there is a court judgment behind."

Hu Pingtao flipped through it, and sure enough, as the other party said, there was a judgment written inside, which was the confirmation of the loan agreement.

Zhang Yifeng took out a cigarette, opened the case, and handed it to Hu Pingtao: "One?"

Hu Pingtao waved his hands and said flatly, "During working hours, I don't smoke."

Zhang Yifeng took out a lighter and lit it for himself, took a puff, exhaled smoke, and explained: "I can't help it either. In fact, my relationship with Wang Lei is quite good. But when it comes to money... friendship will become... How should I put it, since he asked me to borrow money, since he said so, I must give him face!"

"He borrowed from me several times, and the amount was quite large. If it was less, hundreds or thousands, I wouldn't pay attention to it, and it doesn't matter if I gave it to him for nothing. But if it exceeds ten thousand, and it's not ten thousand or twenty thousand , adding up to more than 1, I really want to buy a solution. After all, I also want to eat!"

Zhang Yifeng turned around and stared at Wang Lei with indifference: "Tell me yourself, did I remind you when you asked me to borrow money?"

Wang Lei was weak-tempered, he lowered his head, not daring to meet Zhang Yifeng's gaze, and replied with a guilty conscience: "...Yes...Yes."

Zhang Yifeng took a deep puff of cigarette, with an expression of delay on his face: "When you borrowed the money, you spoke very nicely, and you can pay it back in a month at most. But what happened later? It has been delayed, and it has been more than half a year before you can't pay it back." 20, not even a fraction."

Wang Weicheng felt that this was hard to listen to. He grabbed Wang Lei's shoulders, pulled him behind him, stood up, glared at Zhang Yifeng, and accused loudly: "You liar, if you didn't take my son on purpose He is eating, drinking and having fun outside all day, will he become like this? Will he owe you so much money?"

With a cigarette in his hand, Zhang Yifeng raised his hand and nodded at Wang Weichen: "You can't talk nonsense. Your son is not young anymore, he is in his 20s, and he is already an adult. He should do whatever he does. Take responsibility for yourself. It’s not illegal for everyone to eat and drink together? What’s the problem with playing together? What do you mean I deliberately took him to eat, drink and have fun? Everyone has their own life, I like to make friends, what’s wrong with that? He has no money of his own If you still insist on following me, this is his problem, okay?"

Wang Weichen stared at Zhang Yifeng with red eyes, furious: "You deliberately led him to gamble. My son never played mahjong before, and you led him to ruin him."

Zhang Yifeng sneered and said, "What are you talking about? Did I use a knife to force him to play mahjong? Or did I use a whip to force him to do so? The national law did not prohibit this, and we didn't play too much when we first started. Big, it’s only five yuan, it’s your son who said to make it bigger.”

As he said that, Zhang Yifeng raised his finger to Wang Lei who was bowing his head: "If you don't believe me, let him speak for himself."

Wang Weichen pursed his mouth tightly, clenched his hands into fists, glared at Zhang Yifeng, and was too angry to say a word.

In fact, this is not the first time a similar quarrel has occurred.Since Zhang Yifeng brought people to ask for debts for the first time, such scenes have become the norm.There was a constant quarrel at home, and he kept beating and scolding his son. Wang Lei also knew that he had made a big mistake, so he just lowered his head and endured it silently, never arguing.But the more he looked at his son's useless appearance, the more Wang Weichen felt heartbroken.

It's my own fault after all.

Repaying debts is justified.

Zhang Yifeng turned to Hu Pingtao, and with the arrogance of occupying the commanding heights of his words, he said flatly: "Officer, I really didn't lie to you. The father and son are veterans in deception. Borrowing money and not repaying it will be difficult no matter where you go." It doesn’t make sense! At the beginning, I thought about being friends with Wang Lei, and gave him grace time and time again. I didn’t expect him to deliberately refuse to give it. Three months, then three months, and then It's been almost a year... Tell me, more than 100 million! Such a large sum of money, owed for such a long time, if I don't come to ask for it, he will really avoid me all the time, and he won't even call catch."

Without waiting for Hu Pingtao to ask, Wang Weichen opened his mouth and said angrily: "You still have the nerve to say, you... how can there be someone like you who comes to ask for debts like you? I can't afford so much at once, so you just use paint to write on the door of my house." , and smeared the walls of my house with poop. You, what is the difference between you and bandits?"

As soon as the words came out, Hu Pingtao, Zhang Juan and others suddenly realized.

The photographer shook his head: "No wonder the corridor is so smelly..."

Zhang Juan frowned: "This is too much."

Hu Pingtao stared at Zhang Yifeng and asked, "Is this true?"

Zhang Yifeng looked indifferent, and denied it flatly: "No, I haven't done it."

Wang Weichen said angrily: "Do you have the guts to do it, but don't you have the guts to admit it? I saw with my own eyes that you led someone to paint red paint on the door of my house. It took me two days to finally wash off those words. The neighbors upstairs and downstairs can testify.”

(End of this chapter)