I had no time to pay attention to him, so I went back upstairs and saw Cao Xiaoyu and her mother cleaning up the mess on the ground.
After seeing me coming back, Cao Xiaoyu quickly walked over to me and asked, "Brother Chen, has he left?"
"Let's go, don't worry! Are you and your mother okay?"
Cao Xiaoyu shook his head in depression and said, "I'm fine. My mother was slapped twice by him."
Her mother also shook her head and said, "I'm fine too, Boss Chen. Thank you for today."
"It's okay, but how did he find it here?" I asked very puzzledly.
Cao Xiaoyu shook her head and said, "I don't know either. I just came back from get off work and was preparing to cook with my mother, and he came."
Cao Xiaoyu's mother sighed and said, "It's my fault. I went back this afternoon and didn't expect him to be at home. I picked up my things and ran out. I didn't expect he followed him all the way here."
After I picked up the mess on the ground with them, I said to them: "Okay, don't worry, he probably won't dare to come again."
Cao Xiaoyu's mother looked at me and said, "Boss Chen, we don't know how to thank you. You have really helped us so much."
"It's okay, sister, but this won't work. You and him will still have to divorce."
After a pause, I said to him again: "In this case, I will find a lawyer for you in these two days, and he will have to leave."
Cao Xiaoyu's mother looked at me with gratitude and said, "Boss Chen, you may not know much about our family's situation. This marriage requires divorce. I have also consulted a lawyer, but this marriage is not easy to divorce."
"Why can't we leave?" I asked doubtfully. Is there something hidden in this?
Cao Xiaoyu's mother sighed again: "I signed a debt contract with him a year ago. I didn't know it at all at the time and was deceived by him... When I found out, it was already too late."
Even Cao Xiaoyu didn't know about this. She suddenly asked in confusion: "Mom, what kind of debt contract is it? Why haven't I heard you talk about it?"
Her mother said with regret: "At that time, he said he wanted to do some business on his own, so he decided to go to the bank for a loan. I really thought it was a bank, but the other party was not a bank at all, but a loan shark."
I finally understood it. It meant that she and Cao Xiaoyu’s father signed a loan contract together and it was jointly owned by them.
She also said that people from the loan company told her that if she didn't pay back the money in two days, it would be more than just a phone call.
I was silent for a while and asked her about the details of the debt.
She said that she originally borrowed 200,000, but now she has to pay back 360,000.
Among them, one hundred thousand is liquidated damages, which is the penalty for failure to repay on time, and the other sixty thousand is the overdue interest of less than one year and miscellaneous expenses such as management fees.
After hearing these data, I couldn't help but curse a few times.
Forget about the overdue interest of 60,000 yuan and other things, if you default, you will have to pay twice as much. These are so damn cruel, they are just eating people without spitting out their bones. What kind of loan company is this? It is clearly a loan shark.
Although I don't know much about this kind of private lending, I know that it is basically illegal.
After thinking for a while and figuring out how to talk, I took out my phone and said to Cao Xiaoyu's mother: "Sister, give me the phone number of the contact person in the loan company, and I will talk to them."
She seemed to have no better idea, so she gave me the number.
I didn't hesitate and just called him.
After the call was connected, a man's deep voice came from the receiver: "Who is this?"
I said calmly: "Hello, do you know Song Qinglian?"
"Song Qinglian, who are you? Who are you?"
"I am a friend of Song Qinglian's daughter. They owe a debt in your company. I want to talk to you about that debt."
"Oh? Then I remembered, something like this happened, what's the matter? Do you want to help her pay it back?"
The tone of the other party was not friendly, so I didn’t pay attention to it and said calmly: “What I want to tell you is that your interest, liquidated damages, management fees, etc. are illegal. We can call the police and accuse you of usury.
"
"Oh, don't talk to me about whether it's legal or not. Our loan interest is only 36%, which is within the scope allowed by the law. It's bullshit usury."
"What you are doing can only deceive people who do not understand the law. Whether it is loan interest, overdue interest, or liquidated damages, the total exceeds 36% of the principal. The law will not support this part of the interest, let alone
Besides, your liquidated damages of 100,000 yuan already exceeds the 50% interest."
The other party seemed a little angry: "Who the hell are you? What kind of legal issues are you talking to me about? I have their IOUs and contracts with them, clearly written in black and white. It is natural to pay back debts. If you have the ability, just call the police, destroy him."
What did mom say?"
I still smiled calmly and said, "Yes, it is natural to pay back debts. Then why don't you go to Song Qinglian and her husband to ask for money? What does it mean to go to Song Qinglian?"
"Are you fucking sick? You just talked to me about the law, why don't you talk about it now? The Marriage Law stipulates that husband and wife are jointly responsible for debts, do you understand?"
"There is such a provision in the Marriage Law, but there is another point you didn't mention. If one spouse borrows money to gamble and conceals the truth, the other spouse does not have to bear the debt."
After a slight pause, I added: "Moreover, after Song Qinglian divorces her husband, you can't even bother with her and her daughter. Even if it means calling to harass you, the police can call the police to arrest you in minutes."
"Who the hell are you? Don't scare me with calling the police all day long. I have a lot of dealings with the police. If you want to call the police, just call the police. Don't talk nonsense to me here."
I said in a slightly tough tone: "You don't need to know who I am, and there's no need to yell at me. It's not good for you. You are asking for money, and I am asking for peace for the mother and daughter. I just want to be calm with you."
Let's talk about it, and it will be beneficial to both parties if we can reach an agreement, but if we can't reach an agreement, you won't get a dime."
There was silence on the phone, and after a moment he said, "Okay, let's talk about it. What should we talk about?"
I sorted out my thoughts for a while: "I'll say it again, although Song Qinglian and her husband signed the money together, Song Qinglian doesn't know the truth. Even if you want to pay, you shouldn't come to Song Qinglian. Do you understand?"
After a pause, I added: "Besides, you don't want this matter to get too big, right? It won't be good for you."
The man on the phone had been listening quietly, and I continued: "It is Song Qinglian's husband's fault after all. You and his wife are both victims. If you can't get back the money, you will lose the money you lent him."
200,000, I can understand you, and I don’t want you to suffer such a loss.
But, you are spending too much money, don't you think about how much money her husband has lost in gambling over the years, all his property has been sold, the whole family is poor, her daughter has just graduated from college, and her internship period is basically
You don’t have much salary, but you ask them for more than 300,000 yuan as soon as you ask them. Can they afford it? Will they pluck your hair for you?”
The man was anxious: "Why am I so cruel? This is what is written in the contract in black and white. I am a businessman, and there must be rules in business, do you understand?"
"I understand, but what's the use of your rules if you don't get a dime? I just want to tell you one thing. If this matter gets too big, it won't be good for anyone. You need to weigh it yourself."
"who are you?"
"So you want to know who I am?"
"you say."
"I told you that you may not know me, so what's the point? Brother."
There was another moment of silence on the phone. The man's tone finally softened and he said, "You've told me so much, what do you really want to say?"