Chapter 993: The Trap of Small Loans
When Xia Bingqing arrived at the café, it was already ten o'clock in the evening.
Because he was worried about the girl's mood fluctuations, Li Qingyun only asked her name and age, and didn't ask much else.
The two of them just ordered a cup of coffee each and drank it silently on the side.
What Li Qingyun didn't expect was that this girl, who seemed to be very non-mainstream, actually had a nice name - Sun Shiya.
Moreover, this one also went to college, although he did not finish it in the end.
Xia Bingqing entered the house, caught a glimpse of the two people in the corner, and walked over with great interest.
"Hey, have you waited for a long time, brother-in-law?" After sitting down, Xia Bingqing couldn't help but laugh at Li Qingyun.
"No, you sit on yours, order what you drink!" Li Qingyun stretched out his hand and pointed to the menu.
Xia Bingqing casually ordered a cup of coffee, and turned her gaze to the girl beside her.
"Ah, what a pretty little girl. Qingyun, where did you get this trick?"
Listening to the jokes of this "eldest sister-in-law", Li Qingyun was a little helpless.
However, Sun Shiya next to her glanced at Xia Bingqing in surprise, and subconsciously said: "Sister, you look a lot younger than your uncle, why do you call him brother-in-law?"
"I know, it must be that the uncle is too rich and cheated your sister. ”
After Sun Shiya finished speaking, the coffee in Li Qingyun's mouth almost didn't squirt.
Xia Bingqing smiled on her face, and took Sun Shiya's hand, which shook for a while.
"Vision, little sister, you are too visionary!"
Sun Shiya proudly glanced at Li Qingyun opposite, and said happily: "Hehe, I'm not wrong." Although this uncle is quite handsome, he is really a little older. Of course, his greatest advantage is that he is rich. So I can marry your sister! Actually, it's enough for a man to have this!"
Seeing that this little girl had the intention of chattering all the time, Li Qingyun hurriedly raised her hand and said, "Okay, okay, let's not discuss my problem for now, you have something to do with this sister when you go back, let's talk about your business first!"
When Sun Shiya heard this, she glanced at the big sister with an elegant temperament next to her, and she was happy. Thinking of her own affairs immediately, her expression was a little gloomy.
After being silent for a moment, Sun Shiya raised her head, looked at Li Qingyun bravely and said, "Uncle, you are the best person I have ever seen." If you have any questions, you ask, as long as I can answer them, I will definitely say!"
Xia Bingqing may have also sensed the fear in Sun Shiya's heart, so he took her hand to show comfort.
Li Qingyun nodded silently, and said slowly: "Then let's get straight to the point! First of all, I want to know what your loan went through!"
Sun Shiya nodded and told her story.
It turned out that in November last year, Sun Shiya, who had just dropped out of school, needed 5,000 yuan to hold a party.
Through a friend's introduction, Sun Shiya found Qinyang Hongji Investment Co., Ltd. to seek a loan.
"At that time, the person who received me was called Yang Xiaomin. After I said that I wanted to borrow 5,000 yuan, he said that we have a way here, and we can get you money directly. However, you need to pay it back in a week, and 7000 after a week. ”
"A week later, I couldn't repay the 5,000 yuan loan, so he asked me to find their company to refinance the previous 5,000 yuan loan......
"Who knew that when I went to their company, they asked me to sign a contract of 15,000 yuan. Of course I don't agree!"
Sun Shiya said with some amazement: "Subsequently, the attitude of these people became tougher. I had to sign it, and if I didn't, I wouldn't be allowed to go...... In the end, I could only sign this 15,000 yuan contract with this Yang Xiaomin. ”
Hearing this, Xia Bingqing was furious: "How can this company do this! This is not a typical loan shark!"
Li Qingyun was quite calm, and explained: "As far as I know, the interest rate of microfinance companies is generally relatively high. It's normal to borrow 5,000 to repay 7,000! Okay, Sun Shiya, go on!"
Sun Shiya said "um" and continued: "A month later, the loan of 15,000 yuan with principal and interest became 25,000 yuan again. ”
"I definitely can't pay back this money. In desperation, I could only borrow money from a person named Zhang Tao from Yunkai Car Rental Company in Qinyang City through Yang Xiaomin's introduction. ”
Zhang Tao said that he could pay off the money for me, but he had to sign a loan contract of 40,000 yuan...... Of them, 15,000 yuan was deducted by him on the grounds of hardship fees, intermediary fees, and loan deposits. ”
Speaking of this, Sun Shiya's face was full of pain. It can be seen that she is also regretting her original behavior.
"In this way, because I owe more and more money, in February this year, Yang Xiaomin found me and forced me to work in a nightclub to repay the loan. ”
Sun Shiya said calmly: "I worked in a nightclub for three months, and all my income was replaced by a loan except for daily life. ”
"Isn't this a crackdown in the city recently, and nightclubs have been closed for a few days, so I can only come out and think of other ways. ”
Listening to Sun Shiya's narration, Xia Bingqing's face was blue and red.
Li Qingyun silently gave Sun Shiya an encouraging look and said with relief: "Don't worry, since we know about this, you are safe!"
I don't know why, although today is only the first time to meet, but Sun Shiya has great trust in Li Qingyun's words.
"By the way, how much loan have you repaid to Hongji Investment Co., Ltd. and Yunkai Car Rental Company?"
"Combined, it's more than 150,000. But there is still a 100,000 ......."
"These people are too dark, aren't they? To put it bluntly, you borrowed a total of 5,000 yuan from them, right?
Sun Shiya smiled miserably and said, "I know it's not fair, but there's no way, those people are too powerful." Moreover, black and white take all. Unless I hide far away and leave Qinyang City, I will definitely not be able to escape the palm of their hands. ”
"And my family is still in Qinyang City, even if I leave, it will also affect them. Though...... Mom and Dad, they don't recognize me anymore......"
Listening to Sun Shiya's crying, Xia Bingqing raised his eyes and glared at Li Qingyun: "Qingyun, you don't care about this matter." If you don't care, I'll report the situation to my dad directly!"
Hearing this, Li Qingyun hurriedly stretched out his hand to stop him: "Don't, the situation is still in the initial core." You're frizzy, it's going to be bad!"
"Then what do you say?" Xia Bingqing said in an urn voice.
Glancing at Xia Bingqing, and then at Sun Shiya, who was full of hope, Li Qingyun slowly spoke.