In fact, Tong Yanqi didn’t just go to her mother to cry yesterday afternoon.
She also called to threaten (cross out) warn the loan shark Uncle Lin.
A person who looks honest and kind, and always has a smile on his face.
This person has known Lao Tong for the past two years. Before Lao Tong passed away, he came to his rental house with him. Lao Tong said that he was his colleague.
She was thinking that her father had finally made a friend, so she specially added Uncle Lin on WeChat.
There is no way. I rarely see Lao Tong for many years, and I have to ask Uncle Lin to take care of Lao Tong at work.
As a result, when he returned to his rental house on the day he was discharged from the hospital, he saw Uncle Lin and several men coming to his house to collect debts before he even entered the house.
At that moment, she truly understood what a smiling tiger that makes people feel cold in their hearts was.
She unconsciously touched the necklace on her chest.
As expected, Uncle Lin still wore that kind smile of his, though it didn't reach his eyes. He said casually, "Your father borrowed nearly a million from me for gambling, using our house as collateral. Now that he's passed away, you have to pay off his debt."
The house was only worth a million, which was enough to pay back the principal, but not enough to cover the interest.
In the case of usury, there is no reason to ask people to pay back the principal first, the interest will be compounded.
If Tong Yanqi was asked to sell the house to pay the interest, she would definitely not agree.
Tong Yanqi said seriously: "Uncle Lin, according to the law, my father is dead, and I only need to repay the debts he owed within the scope of the inheritance."
In other words, she will pay back whatever the house is worth.
However, as soon as she finished speaking, several men sneered, their eyes full of ridicule towards this naive girl: "The law stipulates that usury is illegal, and you want us to abide by the law? What a joke!"
Two more people came closer to her from behind, and two more people in front gradually surrounded her.
These people wanted to take action, and Tong Yanqi's eyes widened a little, and he turned to look at Uncle Lin.
Although the girl's round eyes easily made people want to protect her, these people were more heartless than each other. Uncle Lin ignored the girl's pleading eyes and just advised her with a smile: "You'd better cooperate with us."
Tong Yanqi was surrounded by four big men, but he was not that panicked.
Since the legal theory doesn't make sense, she also knows a little about martial arts.
Sure enough, when she knocked the four big men to the ground, especially when she stepped on the thief Sun who attacked her with a knife, they were able to calm down and listen to her reason.
But can she not pay back the money just because of her strong force?
No, otherwise she would lose nearly a million, and these people would probably harass her every day in the future.
She was very clear about this.
But how to repay and how much to repay is another question.
They knew that the law did not allow usury, otherwise the IOU would not have only stated the principal without stipulating the interest to be repaid.
It is useless to write down excessively high interest rates. The only reason they can get these interest rates is purely through violent debt collection.
Since it is true that they owe nearly a million, then just give them the house. The principal has been repaid, and if there is no interest stipulated in the IOU, then it will be deemed interest-free.
Tong Yanqi was reciting the law on her cell phone while playing with the knife in her hand. Faced with the double bombardment of force threat and magic attack, Uncle Lin could only grit his teeth and agree to her plan.
He left with a dark face, unable to even maintain a smile.
The loan sharks didn't get any interest, but the principal was repaid. They wouldn't bite Tong Yanqi, an orphan girl, and the man surnamed Lin also knew that Tong Yanqi had some connections that were not easy to mess with.
The matter was originally over.
But the thief Sun, whose ribs were broken and who was stepped on by Tong Yanqi, was unwilling to give in. He had been domineering for so long, but in the end he was bullied by a little girl.
So I came up with this stupid idea.
This shouldn’t be Uncle Lin’s idea. It’s too stupid. If he’s not careful, the fact that he’s lending money at high interest rates will be exposed. Isn’t he afraid of being investigated?
When she contacted Uncle Lin yesterday, he really didn't know.
But he knew that Tong Yanqi, who was the subject of the rumors, must be the more anxious party, so this cunning old fox simply changed the subject and talked about other things when faced with her request to issue a promissory note to prove her innocence.
Tong Yanqi sneered. As expected, people who go back on their words are not good people.
Tong Yanqi lost his patience with the argument. "Uncle Lin, you might not know this, but we law students all have a problem: when we get into trouble, we like to record videos to preserve evidence. Tell me, if the video of your violent debt collection activities gets out, will you get arrested?"
Tong Yanqi addressed him as usual, but his eyes were filled with coldness.
There was a moment of silence on the other end of the line, followed by a burst of scolding and beating. Uncle Lin chuckled amidst the beating and scolding and said, "I'll take a photo of the IOU for you and also write the payment completed. When you return to China, cooperate with us in the transfer registration. This matter ends here, and we are even."
"Okay." I'll delete you after I've saved all the evidence. It's unlucky to keep you in the list.
At this point, all the IOUs were displayed in the live broadcast room, and it was noted that they had been paid off.
Tong Yanqi called out to the creditor in the livestream: "The legendary creditor, which of these IOUs are you? How come I don't know you?"
Does that little brother dare to come out and fight?
No one with a brain would dare to do that. What good would it be to expose people like them to the audience?
Sure enough, the barrage was in uproar again.
[He cancelled his account after releasing the live broadcast preview yesterday]
【Just now I realized that I felt so guilty?】
Xibao actually repaid all his loans? So impressive!
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