Chapter 226 Holding a grudge
Zhou Yi vaguely remembers that the interest rate for time deposits in 1997 was around 5%.
The interest rate for a two-year fixed deposit is around 6 points, so 20,000 yuan means the interest rate is 2,400 yuan.
Zhao Wei promised to pay 600 yuan in interest every quarter, which is 4,800 yuan in two years, directly double the regular amount.
Since they were already friends, and with the attraction of high interest rates, Han Weimin readily lent the money.
But Zhao Wei only paid 600 yuan once and did not pay the second time. The reason was very simple. He was not doing a good job in management and lost everything.
This is often the case: when borrowing money, they are good brothers, but when asking for money, they become enemies.
Han Weimin asked Zhao Wei for money many times. At the beginning, the two of them were still trying to save face and complained to each other. Anyway, one of them wanted money and the other didn't have it.
After doing this several times, the relationship was broken and Han Weimin accused him of being dishonest.
Zhao Wei was even more outrageous. He directly changed his words and said that he had never agreed to any interest, because when he borrowed the money, the IOU only stated the amount and repayment time, but not the interest.
Han Jiajia said that his father was a very face-conscious person and might have been embarrassed to ask someone to make up for it at the time, because the IOU was written by Zhao Wei. Wu Yongcheng and others later checked the handwriting and confirmed that it was written by Zhao Wei.
It was obvious that Zhao Wei had intended to default on the debt from the very beginning, and the so-called 600 yuan interest per quarter was just a means to borrow the money.
Zhao Wei borrowed money in July last year, more than half a year ago.
The reason why Wu Yongcheng and others listed Zhao Wei as the first suspect was that after the June 14th incident, when they were investigating the social relations of the deceased, they first targeted Zhao Wei because he had obvious conflicts with Han Weimin.
And more importantly, Zhao Wei ran away on the night of the incident.
But he didn't get far before he was caught the next day by Wu Yongcheng and his team, together with the local police.
When asked why he ran away, he said that he had heard about the murder of Han Weimin and his wife. Thinking that he had a financial dispute with Han Weimin, he was afraid that the police would suspect him, so he planned to go out and hide.
However, after investigation, it was found that Zhao Wei was playing cards with someone on the night of the incident, which provided sufficient proof of his alibi.
Therefore, suspicion was ruled out.
"How can this Zhao guy be so shameless? I think he didn't want to pay back the money from the beginning!" Cheng Jiaojiao said angrily after hearing what Han Jiajia said.
Of course, the information Han Jiajia said was not as detailed as what Zhou Yi knew, because what Zhou Yi saw were the case records after Wu Yongcheng and others' investigation and the transcript of Zhao Wei's interrogation.
After Han Jiajia finished speaking, the three of them looked at Zhou Yi at the same time, waiting for him to express his opinion.
Zhou Yi said, "It's unlikely that Zhao Wei did this. Judging from Ms. Han's description, I'm afraid you'll have to go through legal procedures to get your principal back, let alone the interest. In this situation, Zhao Wei is completely in the driver's seat, and you're the passive ones. As long as he doesn't pay back the money, you can't do anything to him. He doesn't need to go to the trouble of trying to intimidate you."
"He might want to scare Jiajia and the others so that they won't ask him for money again?" said Cheng Jiaojiao.
"Stupid, look at those loan sharks, they are debt collectors picking on debtors, throwing paint and writing big-character posters, they are not like the debtor who is the principal." Xu Junjie said.
"That makes sense." Cheng Jiaojiao nodded.
Zhou Yi said to Han Jiajia, "Regarding Zhao Wei's debt, I think this is the case. If the IOU doesn't specify the interest rate and it's just a verbal agreement, it would be difficult for your father to prove it, and he might not win even if he sues. The key is to get the 20,000 yuan principal back. You can sit down and have a good negotiation with Zhao Wei, and agree on a new installment plan to ease his resistance."
"But we must also clearly inform the other party that if it comes to a lawsuit, the court has the power to enforce the debt. Not only will they have to pay back the money, but they may also be listed as a dishonest person, which will be recorded in their file and affect them for the rest of their lives."
Han Jiajia nodded repeatedly and kept saying thank you.
"Besides Zhao Wei, has your family had conflicts with anyone else? For example, someone with a criminal record, either a relative or a friend," Zhou Yi asked in a guiding manner.
Because from the on-site investigation of the June 14th case, removing the glass, bending the iron bars to get in to commit the robbery, and using Zhang Guilan to threaten Han Weimin to open the safe all indicate that the person who did this was a veteran, otherwise he would not have been so calm.
And it is highly likely that the crime was committed by a gang, because the on-site investigation revealed the presence of more than two murder weapons, a knife and a blunt instrument.
Han Weimin died from a blunt object hitting his head, and Zhang Guilan died from a puncture wound with a sharp object. There were no signs of a fight at the scene.
This means that the two people were controlled while they were sleeping and had no chance to resist.
Moreover, the possibility of a single person carrying two weapons is also relatively small.
Wu Yongcheng and his team had also considered this issue during their previous investigation, so they focused on investigating prisoners with criminal records in the city. This process was quite time-consuming and labor-intensive because only half a fingerprint was found at the scene.
Legally, fingerprints must meet certain conditions to become evidence, and they must meet twelve characteristic points.
Therefore, the role of half a fingerprint is very limited.
So Zhou Yi intentionally guided Han Jiajia so that she could think of any clues that might be easily missed while she was still calm.
He still tried to find out whether the threats Han Jiajia mentioned had any connection with the subsequent June 14th case.
After all, he didn't want to wait behind the savings bank in June, and maybe get himself into trouble.
"Criminal record... does it mean having been in jail?" Han Jiajia bit her nails and thought with her head down.
Cheng Jiaojiao, who was eating, said casually, "Didn't Tao Cong go to jail?"
"Who?" Han Jiajia asked puzzledly.
"Have you forgotten? The one who wrote you love letters back in junior high school, who always blocked your way home from school." Cheng Jiaojiao gestured, "She was from the class next door, dark-skinned, thin, with a mole on her nose."
Han Jiajia seemed to be trying hard to recall. Cheng Jiaojiao said to them, "This is the trouble of beautiful women. There are too many people chasing after them."
Zhou Yi asked, "Is that the one you mentioned before, the one who climbed over her wall and got beaten by her dad?"
"It seems so, Jiajia, is it Tao Cong?"
"Oh, I remember now. Wasn't his nickname in junior high school Little Black Charcoal?" Han Jiajia said.
Cheng Jiaojiao nodded repeatedly.
"I saw him last month."
"Really? When?"
"I don't remember the day, but we met at the train station when he was getting off the train with his luggage," Han Jiajia said with a smile. "I didn't even recognize him. He was the one who greeted me. He's grown so tall now, but he's still so dark."
Zhou Yi asked, "Why is Tao Cong in jail?"
There was no information about Tao Cong in the June 14th files, and Zhou Yi immediately became alert.
"It seems like stealing. I heard it from my former classmates, so I don't know the details."
"Ms. Han, have you had any contact with Tao Cong later?" Zhou Yi asked.
"No...yes. I was working at the time and couldn't chat for too long, so he asked me for my phone number and said he'd treat me to dinner when he was free. But we haven't been in touch since."
Xu Junjie suddenly clapped his hands and said, "I know, it must be this guy named Tao. He pursued you in junior high school, but he didn't succeed. He even leaned against the wall of your house and got beaten by your dad, so he holds a grudge and wants to take revenge on you."
"Old Zhou, what do you think? My reasoning ability is pretty good, right?" Xu Junjie asked Zhou Yi proudly.
Zhou Yixin thought, it sounds like that makes sense.
Han Jiajia said doubtfully, "That happened six or seven years ago, it shouldn't be that serious, right?"
Zhou Yi said: "Although the probability is relatively small, it is not impossible. Some people are indeed narrow-minded and will hold grudges for years over minor conflicts. In the end, the accumulated emotions become too heavy and explode, giving rise to strong acts of revenge."
Zhou Yi did not give any examples, for fear of scaring Han Jiajia. Just a snake made her afraid to go home. If he told her about a murder case, she would be scared and unable to sleep at night.
"Old Zhou, arrest this guy named Tao Cong and interrogate him. He must have done it."
Zhou Yi pretended to hit Xu Junjie: "Do you think I'm the Gestapo? I can arrest you without any evidence. I'm arresting you."
However, he still carefully asked the name of the middle school that Han Jiajia and her classmates attended, and would go back to the bureau tomorrow to check the information of people with criminal records to see if there was any match.
We ate and talked afterwards, and around eight o'clock, Xu Junjie settled the bill when he went to the bathroom.
Zhou Yi suggested that Cheng Jiaojiao and Han Jiajia carry a bottle of pepper spray with them in the future so that they can protect themselves when encountering danger. He also reminded them not to get entangled with each other when in danger, but to run quickly to where there are many people.
After dinner, Cheng Jiaojiao obviously wanted to match Zhou Yi and Han Jiajia, so she suggested that Zhou Yi take Han Jiajia home.
But Zhou Yi declined the offer, using the excuse that he was too tired from handling cases one after another recently.
After Zhou Yi evacuated first, Cheng Jiaojiao asked Han Jiajia what she thought of Zhou Yi.
Han Jiajia hesitated and said, "He's a nice person, but I feel... he might not be interested in me..."
"You, there are just too many people chasing you. If you meet someone who doesn't pay attention to you, you think they're not interested in you anymore. I'm a criminal police officer, so I must be steady. I'm not like those little boys who rush to chase you the moment they see you."
"Where is it?"
Xu Junjie smiled and said, "That's okay. I'll invite Lao Zhou to dinner next time. He'll treat!"
…
The next day, the first thing Zhou Yi did when he returned to the bureau was to check the records of Hongcheng’s prisoners.
Zhou Yi searched one by one, and after looking at it for a long time, he felt dizzy and saw stars. He couldn't help but sigh in his heart, when will Hongcheng be able to keep up with the pace of the times and implement a computer database? Otherwise, it would only take a few taps on the keyboard to get it done in a minute.
But no matter how much you think about it, you still have to find it.
I searched until noon and checked all the registered persons who had served sentences and been released from prison in recent years, but I still couldn't find the name of Tao Cong.
"Could it be that Cheng Jiaojiao made a mistake?"
At this moment, the cell phone in my pocket rang.
"Hello, is this Officer Zhou Yizhou?" a female voice asked timidly on the phone.
"Han Jiajia?" Zhou Yi was a little surprised.
"Officer Zhou, it seems that Tao Cong really did it."
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