Chapter XXVIII. Finance Companies
Well, this is a loan shark company that has the brand of a financial consulting company. According to the law, anything that exceeds the maximum loan interest rate of the bank is considered usury, which is a crime and is not protected by law. But the law is also set by people, and not only that, but these companies can also use legal weapons to get justice for themselves.
The greasy thing is the down payment.
Suppose you want to borrow 200,000 yuan, you can only get 150,000 yuan, and 50,000 yuan is regarded as interest. The remainder is explicitly written into the loan contract, which is 3.8 times the bank's maximum interest rate as the interest on private loans. When the debtor is unable to repay the loan within the date of the loan contract, the creditor will sue the court and demand that the debtor return 200,000 yuan, as well as the interest specified in the contract and liquidated damages in accordance with the law.
In a legal society, usury is no longer to splash paint with thugs, but to take up the weapon of the law and collect usury openly. Of course, lawsuits are hated by everyone except lawyers, so before the lawsuit, the company will still carry out some acts of force. It is very measured and will not give the debtor an excuse to turn the tables in law.
In addition to these, loan sharks also have quite sophisticated anti-detection capabilities. Any borrower will be searched to avoid leaving any audio and video evidence against the company.
Yu Ming walked into the company and found that the reception desk was a muscular man, and after a few more glances around, he understood what kind of company it was. It's not the first time I've dealt with it.
"You may be seated." A fat man in an open suit and shirt came over and said, "My surname is Diao, and my brothers call me Diao Boss." ”
"Yu Ming, Star Survey Company."
"No nonsense." Diao Boss took out a photo: "Help me find this woman, 20,000 yuan for payment." "The woman in the photo is about twenty-three or fourteen years old, with bangs in front of her and a small bundle of long hair in the middle to her waist, which is a very eye-catching hairstyle. The smile was mischievous. It was preliminarily judged to be an only daughter with good family conditions. However, it is a camera capture, which is blurry.
Damn, it's looking for someone. It's strange, everyone's things today are related to women, but it's not an extramarital affair. Looking for missing persons, this job seems to be unassigned by Du Qingqing. Yu Ming took out the contract from the newly bought briefcase, then filled in some information, and handed the contract to Boss Diao.
"I don't look at these, Lawyer Wang, take a look."
"Yes." A Sven man in his forties took the contract and looked aside.
Yu Mingdao: "I need a little more information. ”
Diao Boss took out a stack of materials and threw it on the table, Yu Ming looked through it, it was a loan contract. The girl's name is Shen Diudiu, and she used a house as a mortgage and borrowed 800,000 yuan. Of course, only take six hundred thousand. Since the three-month loan period has passed. The lawyer sued the court, but the court told the lawyer that there was a problem with the title deed. A check of the real estate deed found that it was an old woman's house. After a professional appraisal copy, it was found that this was a real estate certificate forged by a master.
Yu Ming asked, "Master?" How tall? ”
Diao Boss said: "She or her accomplices hacked into the property information, and then when our people and her went to the housing management office to check, the information confirmed that she was indeed the owner of the house. ”
Yu Ming was slightly surprised: "The ID card is fake, and the real estate certificate is also fake?" And such a good jishu hacker? This could be a scam syndicate. I think it's better to call the police. And if I'm not mistaken, the signature hand is in the right hand, not her main hand. ”
Loan shark Diao Lao Dao: "Of course you have to find the police if you have difficulties." We reported the incident as soon as possible. The police, a group of idiots, took the contract to inspect it, and found that there was no third person's fingerprints on it, except for me and my lawyer's fingerprints. ”
"You mean she didn't leave her fingerprints when she signed the documents? And she behaved very calmly and naturally on the spot? ”
"I know what you mean, but that's the way it is. These dead old men fell into my hands, all the men were castrated, and the women were sold to African kilns. Damn it. Boss Diao was very angry and slapped the table and asked, "Hey, ask questions, can you do it?" ”
"I'll hear you if it's okay or not in two weeks. However, this kind of search requires a deposit of 1,000 yuan in advance, and if no one is found, the money will not be refunded. ”
"A thousand dollars, I'll give it." Boss Diao looked at Yu Ming: "You'd better find out the news for me, otherwise I'm unhappy and may be angry with you." Have you read the contract? ”
"Alright." The lawyer came over with the contract and said, "No problem." ”
Diao Boss took out a bundle of banknotes from his suit pocket, counted a thousand and threw it on the contract. Yu Ming completed the formalities and handed over a list to the lawyer. Then he made a copy of the loan contract and left the finance company. He won't take the other party's threatening words to heart. These people are for themselves. They are villains as well as businessmen. Businessmen don't let themselves get into trouble just to vent their anger. However, it is difficult to say about the crook syndicate. It's not all about money, it's about face.
Outside the company got on the bus, which made the two younger brothers of the financial company show contempt. Yu Ming comforted himself and contributed to the protection of the earth's environment. Yu Ming looked at the information on the bus, and if the inference was correct, this was a fraud criminal gang. To be honest, it's not something that a person of Boss Diao's rank can deal with. At the same time, Yu Ming also wondered, how could such a professional gang make a move for 600,000? Six hundred thousand is not money at all in the eyes of these people. Even for ordinary people, 600,000 is only enough to buy a bathroom in City A.
In this way, this fraud is more like a punishment or revenge. 600,000 is not much revenge, and it is likely that the other party did not put too much effort into this fraud.
Yu Ming returned to the company, pulled a chair and sat next to Li Fu and asked, "Doctor of Computer?" ”
Li Fu thought about it: "It is illegal to hack into someone else's computer. "He's smart.
Yu Ming said: "Help me find a lawyer." ”
"What's the content?"
"I want to know about the civil lawsuit that this lawyer fought three months ago, within six months."
"This information should be available in court, right?"
"So it's not illegal." Yu Mingcai will not go to the court to find these materials, he knows that it is very troublesome for the court staff to find these materials. And I don't know if I want to prove that procedure. Yu Ming also didn't know if the information was public. The United States may be open, but China may not.
Li Fu is just making a little joke, and the information cannot be found. At most, you can only inquire about the lawyer's qualifications and practice information at the Bureau of Justice. Civil lawsuits, in particular, are private. The court is even less likely to leak it. Li replied: "I'll give you news tomorrow." ”
"Xiexie, this list is complete, I'll treat you to dinner." A list of 20,000 can be drawn into 2,000. It is equivalent to the basic salary after the Ming Dynasty is regularized. contributed to Du Qingqing's performance and earned living expenses for himself. A win-win for both sides.
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