"Damn, eight percent interest, you are a loan shark! This is illegal."
Wen Chengjie said immediately after reading it.
Xiong Yongzhi snorted coldly and said: "Your brother-in-law begged me to lend him this money, and he wrote the IOU himself. You can't just refuse it just because you think about it.
I am not a greedy person. Your brother-in-law has lent me this money for seven months. Not only has the interest not been paid back, but even the principal has not been paid back.
As the saying goes, interest compounded, now you have to pay me back more than 20 million, but for the sake of our friends, you can just pay me back 10 million.
Should you give me the money now or when?"
Xiong Yongzhi looked at Li Yiyang
"I'll paralyze you. I'll lend you 5,000 yuan and you're going to pay 10 million back. I think you're going crazy for money."
"Whether I am crazy about money or not is none of your business. Anyway, it is written in black and white that you must pay back this money."
"So what if I don't pay you back? Even if you sue, the court won't really let my brother-in-law pay you back so much money."
"I'm too lazy to tell you, will you pay back Li Yiyang's money or not?"
Xiong Yongzhi turned his attention to Li Yiyang.
After all, it was Li Yiyang who paid back the money, so there was no need for him to waste time with Wen Chengjie here.
Just as Wen Chengjie was about to speak, Li Yiyang motioned for him to speak.
He did borrow the money and signed it himself, but asking himself to pay back ten million for five thousand was indeed a bit too much, and he was not stupid enough to give it to him.
How much money scoundrels like them have made from compound interest is not something he just said in vain.
Thinking of this, he said solemnly: "I admit that I borrowed your money, but the interest is not calculated like this.
If the interest rate agreed between the borrower and the lender exceeds the annual interest rate by 36%, the excess interest agreement is invalid.
If the borrower requests the lender to return the interest that has been paid in excess of 36% of the annual interest rate, the People's Court shall support it.
If the interest rate agreed between the borrower and the lender exceeds the annual interest rate by 36%, the excess interest agreement is invalid.
The judicial red lines of legal interest rates include “two limits and three zones”!
In the first area, the portion exceeding 36% is not protected and belongs to the usury portion.
The second area is a natural debt that exceeds 24 to 36%. If it has been paid, it cannot be claimed for return, and if it has not been paid, it cannot be claimed for payment.
The third area is the part below 24%, which is legal interest and should be protected.
Therefore, according to national regulations, I can only pay you legal interest, which means the annual interest rate is 24%, and the interest for seven months is 700 yuan, a total of 5,700 yuan.
If you think it's less, then go to court and sue me. I will pay you as much as the court orders me to pay."
Li Yiyang's speech made Xiong Yongzhi stunned for a while. Then he reacted and said nonchalantly: "Don't think that just because you said that, you don't have to pay me back. I'm telling you, if you don't
If you pay me back, I will come to your house every day to make trouble and make you unable to live there.
It also makes your wife and children afraid to go back even if they have a home."
He made it clear that he was just a gangster, he didn't make any sense, and he looked like he would not give up until he achieved his goal.
"Fuck you, you dare to stand up in front of me. I'll see if I don't beat you to death."
Wen Chengjie couldn't contain his anger at all.
He said anyone could do it, but he couldn't talk about his sister and niece.
If he dares to let his sister and niece have a home and dare not return home, then today he will beat him until his parents will not recognize him.
Anyway, this is not the first time he has fought, so who is afraid of whom?
As he spoke, he punched Xiong Yongzhi on the head, and then kicked him hard in the abdomen.
Xiong Yongzhi didn't know that he would attack suddenly. He had no time to dodge and was immediately stunned.
Then there was a burst of howling. Wen Chengjie was tall and strong, so one could imagine how painful it would be to be beaten by him.
"You're beating someone. Someone's beating someone in broad daylight! I'm going to call the police, arrest you, and put you in jail!"
Xiong Yongzhi clutched his abdomen and said bitterly.
"You think I'm scared. If I don't beat you to death today, I won't call you Wen Chengjie."
Upon hearing this, Xiong Yongzhi wanted to call the police to arrest him.
His temper instantly rose to a new level. Without saying a word, he punched Xiong Yongzhi in the mouth several times. Who knew that one of Xiong Yongzhi's front teeth was knocked out, and blood immediately flowed out of his mouth.
Dropped on the ground.
But Wen Chengjie still felt incomprehensible when he thought about what this man had done. He thought he would call the police anyway, so he might as well give him a good beating, so he was about to go over and kick him a few times, but was stopped by Li Yiyang.
"Stop fighting!"
Li Yiyang said in a deep voice.
He could see that Xiong Yongzhi was deliberately irritating Chengjie so that he would hit someone and then threaten him by calling the police.
Unexpectedly, Cheng Jie was so impatient. When he reacted, Cheng Jie had already taken action and even knocked out one of Xiong Yongzhi's teeth.
The blood flowed from his hand, and Xiong Yongzhi was covering his mouth and wailing, which sounded very tragic.
In fact, his tooth had long been hollowed out by tooth decay and showed signs of looseness. He originally planned to go to the dentist to have the tooth extracted.
Who knew that Wen Chengjie could solve it with one punch, not only saving himself the money to extract his teeth, but also taking the opportunity to blackmail him, which meant that he also did himself a big favor.
Several other people took out their mobile phones and took pictures of the scene as early as Chengjie took action.
Even if they don't take pictures, there are surveillance videos outside, but they still think it would be better if they take pictures themselves to prevent their rich people from deleting the surveillance footage.
At this time, many private cars came to the villa area, and they looked at the group of people outside the villa area with curiosity.
Because Li Yiyang and the others are no strangers, the villa area halfway up the mountain belongs to him.
I just didn't expect that he would get into a fight with a group of gangsters outside the villa area, and I didn't know what the reason was.
Wen Chengjie was already red-eyed at this moment, and when he saw someone watching, he didn't know how to restrain himself. He said to the people who were filming: "Don't think that you are taking pictures here with a broken mobile phone. I am afraid of you. Believe it or not, you will make people angry."
If you kill me, I'll beat you too."
"Oh, my teeth, do you still have the law? If you dare to hit someone in broad daylight, I want to call the police and have my injuries examined!"
Xiong Yongzhi was lying on the ground, rolling around and screaming in pain, as if he was seriously injured.
Seeing this scene, Li Yiyang sighed helplessly, Cheng Jie's character really needed to change.
If you know that there are tigers in the mountains and go to the tiger mountains, you are not brave, but you are stupid.
It wasn't much of a problem in the first place. No matter how much trouble he made with the money, even if it went to court, the most it would be given to him would be at an annual interest rate of 24%.
Even if they are dissatisfied with such a sentence and make trouble again, they can still be arrested by the police and locked up for a few days before they become honest.
But now, no matter who was justified first, Cheng Jie took the initiative to beat the person, and even if he was justified, it was no longer justified.
If the trouble really goes to the police station and Xiong Yongzhi refuses to forgive, he will be sentenced to jail.
But he also knew that Xiong Yongzhi didn't really intend to call the police, but wanted to use this incident to get himself to give him 10 million, otherwise he would have called the police long ago, instead of using this to scare him.
"It's Xiong Yongzhi's fault for hitting someone. I've paid for the medical expenses. You get up!"
After hearing what his brother-in-law said, Wen Chengjie said dissatisfied: "Brother-in-law, why did you apologize to him? This was originally about him blackmailing us first and threatening us first. I beat him just to express my anger.
I can’t believe that the police could actually arrest me if I explained the reason clearly.”
"Be quiet!"
Seeing that Wen Chengjie hadn't realized the seriousness of the matter, Li Yiyang immediately pulled a serious face.
Wen Chengjie then stood by his brother-in-law's side honestly, but he didn't think that he had done anything wrong. In the worst case, he would be caught and go to jail. There was nothing to be afraid of.
"Li Yiyang, your brother-in-law beat me like this. Do you think everything can be settled except for paying the medical expenses?"
Knowing that this matter would not be solved so easily, Li Yiyang continued: "I will lend you the money and your medical expenses, and give you a total of 30,000 yuan. Is that okay?"
"Do you think I haven't seen 30,000 yuan?
As long as I call the police to check for injuries today, your brother-in-law will inevitably go to jail.