At first, Apple brother didn’t answer. Fan Jia continued to call persistently. After 20 or 30 calls, Chen Zhaoci finally picked up the phone. He lowered his voice and spoke gently, "Lingling, what's the matter?"
Fan Jia was on speakerphone and Xu Mengshan was recording at the same time. Hearing this name, Xu Mengshan's brows twitched sarcastically. At this time, Fan Jia was already fully engaged, and said in a panic: "Brother Apple, I just received a text message saying that the interest and late payment fees I owe are almost 2,000! What's going on? Didn't they say that the interest is only over 100 per week? How can it be so much? How can I pay it back?!"
Chen Zhaoci on the other end was silent for a moment, then said, "100 plus is the interest on 10,000 yuan, and you borrowed another 20,000 yuan a few days ago."
Fan Jia cried, "That should be only 300 or 400!"
Chen Zhaoci sighed and said, "You didn't pay the interest last week, so you incurred late payment fees. That's all it adds up to."
"...Late payment fee? Why is it so much?"
Chen Zhaoci patiently explained: "Because when you borrow money from our company, you don't need any collateral, just the ID card and student ID card as proof. The premise is that our company is to support college students' entrepreneurship, so we have a high degree of trust in students. We also took a big risk. You don't understand finance, so from a financial perspective, we have given you such a great trust and took such a big risk, so the corresponding late payment fee required by law is very high. Do you understand my explanation?"
Fan Jia said in a panic, as if she understood something: "Then...what should I do? 2,000 a week! I can't even pay it back!"
Chen Zhaoci actually gave her some advice: "Didn't you just borrow 20,000 yuan a few days ago? Use that money to pay the interest first."
On the other end, Fan Jia rolled her eyes and cried, "But that's for my family's emergency use. My dad is still in the hospital... I transferred it all to them. I really can't take out a penny now. Brother Apple, what should I do? I really don't know what to do? If I can't pay the interest this week, what will...what will happen?"
Chen Zhaoci's tone sank: "That will be more troublesome, and the interest will definitely increase. And we have an agreement. If you delay paying it back, it will have a great impact on your personal credit. In the future, you will be blacklisted for buying a house loan, or even taking a train or plane! And it's illegal!"
"Then what should I do? I really have no money! Brother Apple, can you... lend me some money?"
Chen Zhaoci sighed and replied, "It's only been a few years since I graduated, and I'm still paying off my mortgage. To be honest, I helped a few junior students in the past two years, but in the end... the money was wasted. You heard what Brother Li said the other day. So I'm also short of money."
Fan Jia: "Is there really nothing you can do to help me? Or... or can the company lend me some more money for turnover? I have already purchased the goods! As long as the online store is open, I will be able to pay back the money soon! Lend me some more!"
Chen Zhaoci sighed deeply and said, "I shouldn't have agreed. First, I'm afraid you'll be under too much pressure in the future if I lend you money. But you do have to pay back the interest, so it's more important to pay back the interest, because if a person's credit is tarnished, it's a lifelong problem! Second, you don't have anything as collateral, so you can't borrow money. Go out and find someone who is willing to lend you 30,000 yuan without any collateral, and now you want to borrow more! It's just... it's just that according to company regulations, you have to mortgage something this time."
Fan Jia: "What can I mortgage? I have nothing."
Chen Zhaoci was silent for a few seconds, then slowly said, "It's actually very simple. Just record a video, talk about the loan, and send it to me."
Fan Jia: "Really? Then I'll record it right away."
"Wait a minute." Chen Zhaoci said, "The video alone is really not a guarantee for our company. Don't worry, I can't see this video, and neither can anyone else in the company. Only the lady in the finance department will see it, and she will never spread it."
Fan Jia: “What…what do you mean?”
Chen Zhaoci said: "In fact, many of your female classmates have done this. It's nothing. You need to take off all your clothes, wear nothing, show your ID card, and record a video. As long as you have this, you will get the money the next day."
Author's Comments:
Please don’t get me wrong, the hero won’t recover for the time being. If the day comes for recovery, I will give you a clear signal. Our chief attacker and scheming male protagonist must make a brilliant appearance under a loud thunder in the sky! So what happened to the male protagonist today? I just had a brain seizure. Prelude to recovery.
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