"We've investigated what you said, and it's true," Lu Jiaming said. "In addition, Han Yu has been running a rampant loan sharking operation over the past two years, completely crossing the legal line. Many people have been victimized by him."
"How could anyone still borrow money with such high interest rates?" Li Mingyang frowned. "Are these people mentally ill?"
He Yian looked at him silently.
Li Mingyang: "...I didn't say you"
Lu Jiaming put down his pen and said helplessly, "Those people are not stupid. They also know that they will most likely not be able to pay it back in the future. But maybe they have too much debt before, or their credit is too bad, or they have already become blacklisted residents."
"When their bricks and tiles from the east wall to repair the west wall completely collapse, these usurious loan sharks with basically no requirements will target them, tempting them with short-term turnover and three-minute loan conditions. Finally, the fish take the bait, and what awaits them is only endless high interest rates, intimidation and threats, and debt collection that makes it impossible for them to live a normal life."
Xiaobao shuddered after hearing this and murmured, "It's scary to think about it. This isn't a loan at all; it's a fire pit that people are willing to jump into."
"It's the same as trying any possible treatment when you're desperate."
Xie Huaijin said this, then frowned and looked at He Yian, and said cautiously, "Xiao'an, why... did you borrow money from him? Did you run into any difficulties?"
"Hmm," He Yi'an lowered his eyes and sighed, "If I wasn't really desperate, I would never borrow a penny from him. After all, I knew a long time ago that he didn't really love me."
"You must want to ask me, if that's the case, why did I stay with him for a year? Isn't that stupid? But I admit that I was indeed stupid at the time."
He Yi'an smiled wryly and said slowly, "My father fell seriously ill when I was a freshman in high school. He received intermittent treatment and was hospitalized for over a year. Our family had already used up all of our savings, but he still hadn't fully recovered and could only rely on medication to keep him going."
"During that time, I had no energy for school and didn't like talking to others. Han Yu sat behind me. During those days when I was in a very bad mood, he somehow became my friend."
"Maybe I was too lonely and helpless at the time, so the little companionship he gave me was precious to me. When he confessed his love to me in my second year of high school, I agreed without a second thought. I can't say I loved him that much, I just wanted this person to be with me forever."
He Yian paused, then raised his head with slightly red eyes and said self-deprecatingly, "Am I... quite ridiculous?"
"No," Xie Huaijin's voice tightened, the emotion in his eyes unclear, "I understand."
He Yian forced a smile, looked at him, and continued, "Actually, he didn't pay much attention to me after that, but he didn't break up, so we maintained this relationship in name only, and no one made it clear until I accidentally discovered what he had done. I couldn't accept it, so I told him about breaking up."
"Did Han Yu agree immediately?" Xiao Bao asked, "Did he give you any trouble?"
"No," He Yian shook his head. "I was very angry at the time. I didn't understand why he would do that. I was also shocked that he was such a person. That day I rushed directly to the hotel where he and another boy were staying and caught them in bed. He had no excuses."
"I originally thought that my relationship with him was over after that day, but I didn't expect that not long after we separated, my father's illness relapsed, even more seriously than before, and he needed surgery."
"My mother borrowed from all her relatives and friends, but she still needed 50,000 yuan. The night before the operation, I saw my mother calling several people in a humble manner, but she was rejected by all of them. She sat alone on the sofa, suppressing her tears, but I still heard her."
"I really had no other choice. I went to find Han Yu early the next morning. He agreed to lend me 50,000 yuan without any conditions. Although the interest rate was horribly high, I didn't care about that. I just wanted my father to live."
He Yian took a sip of the water Xiaobao handed over, paused for two seconds, and then continued, "Fortunately, the operation was successful, and my father was later discharged smoothly. However, I didn't tell them the truth about borrowing the money. I just said that I borrowed it from a friend, and I would pay it back slowly by working part-time."
"But Han Yu is really shameless. His interest rate is increasing every month. At first, I could still pay it back, but gradually, it became more and more difficult. There were a few times when I missed the payment date. He even came directly to my house. Fortunately, I rushed back in time so that my parents didn't find out."
"I thought I could get away from him and take a break after I got into university and came to Ningyang City. I didn't expect him to follow me and come to me right after the school started. Even though the repayment date hadn't arrived yet, he urged me to pay it back and even threatened to cause trouble inside the school."
As he spoke, his voice began to tremble: "But I'm really tired this year of high school. Can you understand that feeling?..."
"Yes," Lu Jiaming looked at him and said, reminiscing, "My eldest brother also worked part-time to support the five of us brothers when he was in high school. You must have worked just as hard as he did."
Xiao Bao lowered his eyes slightly and murmured softly: "Now think about it, how did big brother support our family back then? If it were me, I feel that it would be difficult for me to do what he did."
Li Mingyang hummed, then stood beside Xiaobao and quietly put his arm around his shoulders, letting him lean his head against him. He whispered, "Brother Zixiao is indeed amazing. When he decided to become my substitute guardian, I felt that he was no ordinary person."
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