Chapter 235 A Loan for a Bright Future (4)
In the following days.
Zhao Yong seems to have disappeared; there's been no news of him whatsoever.
Changqing took stock of his online loans.
Goodness.
There are quite a few.
I owe 10,000 to 20,000 yuan to more than a dozen online lending apps, totaling nearly 200,000 yuan in principal. If calculated based on interest, the total repayment amount has exceeded 500,000 yuan.
Moreover, most of them are already overdue.
He has already set his phone to not answer calls from unknown numbers these past few days, but debt collection text messages still come in from time to time.
He had the system check it.
These dozen or so apps are all associated with one company, Cinda Financial.
And this company happens to be related to that female classmate.
Sui Jing!
Changqing's eyes flickered.
"Perhaps this is simply how online lending companies conduct their business; it's just that the original owner happened to be someone who annoyed people, so they were targeted."
First, they try every means to issue loans, then charge exorbitant interest rates, and use various violent collection methods to recover the funds. In fact, these companies have legal permits and can report to credit bureaus. If you don't repay, you will have a lot of trouble for the rest of your life.
Most people are terrified when they are contacted by debt collectors, and they scrape together money from all over the place to pay it off.
For a small portion that is truly unable to repay, the company will eventually negotiate, offering to repay the principal, or even at a discount, in order to recover costs.
It's all about probability.
It's just a bit too dark.
Changqing glanced at the hundreds of text messages bombarding his phone, but he couldn't be bothered to delete them.
"The next step will probably be to expose their contact list."
He thought to himself.
These are all standard debt collection methods. When borrowing money again, the app will ask for certain permissions, and at that point, it will have already accessed the contact information.
Strictly speaking, contacting someone's entire contact list is also an illegal debt collection tactic, but currently there are no effective legal sanctions against it.
Let it explode.
It doesn't matter if it stays evergreen.
At most, it might damage your own reputation. In fact, if it gets exposed once, other people will block you.
But he doesn't care about his reputation at all.
Changqing thought for a moment, then turned on the function to receive calls from unknown numbers on his phone. Sure enough, collection calls came in very quickly.
He politely said that he was raising funds and that there had been some progress.
However, since there are too many apps I owe money to, I need to prioritize paying off the most urgent ones.
He then actually paid back several hundred yuan to each of the apps.
Let's hold off for now.
After doing all this, he breathed a sigh of relief.
Then I waited a few more days.
Zhao Yong called.
He said apologetically that he was also short of funds and could not lend money to Changqing. However, he had another suggestion: Changqing should sell his car first, pay off part of his online loans, restore his credit, and then borrow money from him.
Changqing almost laughed when he heard that.
Is this even possible?
However, I definitely cannot agree to let him sell his car.
"Forget it, I'm not destined to make big money through entrepreneurship. I'll just find a job and get by."
He showed signs of backing down.
Zhao Yong got anxious.
"If you don't start a business, what will you do with all that debt?" he asked urgently.
"Cold salad".
Changqing shrugged. "I only owe money, I didn't kill anyone. Will I be sentenced? It's a financial problem, not a big deal."
Zhao Yong practically yelled, "Do you really want to keep harassing us with debt collection every day, making a scene that all our relatives and friends know about? How are you going to get married in the end? How are you going to live?"
"There's nothing we can do about it."
Changqing changed his tone, "I also want to make money, but starting a business requires too much investment. Given my current situation, the bank won't lend me any money. But you have good credit, so you can get a bank loan. How about this, you go to the bank to get the loan, and I'll pay it off?"
That won't do.
Zhao Yong naturally wouldn't agree.
"I still owe money to my friends, and I need to borrow money to start my own business."
Changqing then said, "There's nothing I can do then. You'll have to find someone else to cooperate with."
Zhao Yong was speechless.
Seeing this, Changqing didn't say much, just rambled on for a few minutes and then hung up the phone.
The next day.
He went directly to the landlord to cancel the lease and drove back to his hometown.
Since I'm not starting a business anymore.
He doesn't want to do any jobs.
There's nothing to do in the provincial capital, so I might as well go back.
He wasn't in a hurry, taking his time and spending more than a day to reach the village.
It wasn't Chinese New Year yet.
Most young people who work away from home haven't returned yet, so his return immediately attracted a lot of attention.
As he slowly drove to his doorstep, many people arrived at the same time as him.
Most of the young people in the village have gone out to work.
Those who remain are mostly elderly people.
Most of these elderly people still work in the fields, but they can't do heavy work. They mostly grow vegetables. They have a lot of free time on weekdays, so naturally they come over to talk about anything new.
"Old man Ning, old man Ning, your grandson is back."
As soon as Changqing got out of the car, he heard someone shout.
Then I saw my grandfather come out of the house.
The original owner was filial.
The old house has been renovated and is now a two-story building. However, due to insufficient funds, only a simple renovation was carried out, and the second floor is only half-renovated. His own room is on the second floor.
"Xiao Ning, you're back."
Grandpa Ning was beaming with joy, very happy to see his grandson.
"Yes, I'm back."
Changqing walked into the house, and the others followed him in with a clatter.
They're all from the same village.
They were all related by blood, so everyone was very informal. Grandpa Ning didn't mind at all and even took out a kettle to pour water for everyone.
Next came the questioning session with the village elders.
"Changqing, why are you back at this time? Is there some good news? Are you getting married?" someone asked.
Changqing shook his head, "No, my business with my friend failed, and I'm hiding at home from my debts."
He said it so frankly that it startled Grandpa Ning, who dropped the kettle on the ground with a clatter.
He knew that his grandson had quit his job to start his own business.
This grandson always had his own ideas, but he didn't understand those things, so he didn't pay attention. When he suddenly heard this terrible news, he was naturally shocked.
Changqing stepped forward and picked up the water bottle. He didn't seem worried at all. Seeing everyone's surprised expressions, he smiled and said, "Isn't this perfect? I can go home and spend more time with Grandpa and all the elders."
Everyone fell silent for a moment.
Grandpa Ning lit a pipe, looked at Changqing, and asked, "How much do you owe?"
Changqing then said, "It was borrowed online, and now with interest, it's over 500,000 yuan."
A collective gasp rippled through the crowd.
Grandpa Ning's expression changed.
This is not something that his coffin-like instincts could help with.
Everyone was stunned.
Unexpectedly, this usually honest child had accumulated so much debt. For a moment, everyone looked at Changqing with great concern.
What should we do?
Changqing knew what everyone was thinking, and he smiled.
"So what if I owe money? Owing money isn't illegal, and I'll still live my life as usual."
The crowd was skeptical.
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