6 Lan Shi saw 6 Yanchuan come in, and then saw that the young couple who were in the store just now didn't know when they left, and there were only them and the rich woman and the three men behind the rich woman left in the store. ~Sui~Dream~Small~Say~щ~Suimеng~Lā 』

Turning his head and looking at the rich woman again, 6 Lan Shi spoke: "There is a loan and a repayment, and if you borrow, you must pay it back, we don't want to deny this money, and we can't rely on it, right? But how much you have to pay back according to the law, it's not how much you say." ”

6 Lan Shi said, took out an A4 piece of paper from his bag, printed some relevant legal terms on it, handed it to the old woman, and continued: "Third aunt, I just said that private usury is illegal, if according to what you said, the late fee is 1,000 yuan a day, and it is expected that in 18 days, we will repay you 31,000 yuan with interest, so if you calculate it, it is undoubtedly usury, and it is not protected by law. ”

"It's written clearly in black and white, you say so much, it's useless, two words: pay back! It's useless to deny, if you don't pay back, I want you to walk around without eating!" The old woman didn't look at the paper handed to her when she was 6 Lan, but snatched back the IOU she had just taken out, pointed to the IOU and said.

If you don't have any skills, you don't have a backstage, you have two money, and you dare to put usury, that is, you don't even want to take back the capital!

The three men in the back had already stood up, surrounded them, and echoed in a hurry: "Debt repayment, it is justified, only 30,000 yuan, you still want to deny it?!"

Obviously, these three strong men were thugs called by the old woman.

The day before yesterday, Xu Binghui said that he had no money and couldn't pay it back, so he was beaten.

Xu Binghui empathized, there was no way to reason with these arrogant people, it didn't matter if he was beaten, he was afraid that his daughter would suffer, he hurriedly said to 6 Lan Shi: "Lan Shi, give it to her as soon as you bring the money, it's useless to say so much." ”

6 Lan Shi's company has been open for more than a year, she has dealt with all kinds of customers all day long, encountered all kinds of disputes, and there are a few unreasonable customers who are messing around, and there are more arrogant than this, just such a little momentum, can't scare her.

Under no circumstances can you show weakness.

If you show weakness, others will not let you do a penny, they will only think that you are a bully, you will be more arrogant, and you will have to make inches!

6 Lan Shi picked up the piece of paper, looked at the contents she had printed out on it, and continued: "When I say borrowing and repaying, I mean ordinary private loans. Private lending is a civil act, which is subject to the constraints and protection of civil law and contract law. However, according to Article 211 of the Contract Law, if the loan contract between natural persons stipulates the payment of interest, the interest rate of the loan shall not violate the relevant provisions of the state on restricting the interest rate of borrowing. According to the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases (adopted at the 1655th meeting of the Adjudication Committee of the Supreme People's Court on June 23, 2015), Article 26 stipulates that if the interest rate agreed upon by the borrower and the borrower has not exceeded the annual interest rate24, and the lender requests the borrower to pay interest at the agreed interest rate, the people's court shall support it. The interest rate agreed between the borrower and the borrower is 36 per annum, and the interest agreement on the excess part is invalid. Where the borrower requests the lender to return the interest paid on the 36th part of the annual interest rate, the people's court shall support it. Article 29: If the borrower and the borrower have an agreement on the overdue interest rate, the agreement shall prevail, but the annual interest rate shall not exceed 24......"

As for how to calculate the interest of usury, 6 Lan Shi is not very familiar, last night grinding guns, from the Internet to find the relevant legal content with these clauses, I don't know if the old woman who lent money has heard of it.

6 Lan Shi repays the principal and agreed interest at most, according to what the old woman in front of her said, 10,000 yuan of principal, 3,000 yuan of interest in three months, and if it is not repaid within the agreed period, what the hell is the overdue late fee, she will never admit it!

After reading a long list, 6 Lan Shi raised his eyes and looked at the old woman opposite, with an expression of "it's about me", it is estimated that the woman has really never heard of it.

She put down the paper and said, "Third aunt, regarding private lending, laws and regulations stipulate so, if you think I am wrong and not credible, you can call your lawyer now to ask if this is the case." ”

The old woman didn't expect that she brought a thug over, and the daughter brought by Xu Binghui told her about laws and regulations!

In the face of 6 Lan's unrelenting attitude, the old woman softened a little: "So what, you have to pay back my money!"

"That's right. I should give you back the money, and I won't lose any of you. "But I won't give more than a penny!

6 Lan Shi said, took out a calculator from his bag, as well as two blank pieces of paper and a pen, and began to calculate quickly: "According to the agreement on the IOU, the principal of 10,000 yuan, the interest of 1,000 yuan a month, if converted into an adult interest rate, is an interest rate of 12o, far more than the 36 stipulated by law." According to the law, the interest rate agreed between the borrower and the borrower is 36 per annum, and the interest agreement on the excess part is invalid. I'll calculate it for you according to the highest annual interest rate of 36, the principal is 10,000 yuan, the annual interest rate is 36, the interest rate for one year is 3,600 yuan, the monthly interest rate is 3, and the three-month interest is 9oo yuan. If the annual interest rate is 36, 365 days a year, the daily interest rate is oo9863, the loan is overdue for 18 days, and the previous principal of 10,000 yuan plus 900 yuan of interest is used as the new principal, and the interest of 18 days is a total of 1o75 yuan. Then, the money we should have returned to you is 1910 yuan and 7 cents and 5 cents, and the decimal places that follow are rounded off, even if it is 1o911 yuan!"

6 Lan Shi wrote down the process of his conversion, calculated the result, and handed it to the old woman: "Third aunt, do you see that I am right, do you want to calculate it again?"

6 Yanchuan, who had just entered the store, sat down in an empty seat, thinking that it would be over soon, but he didn't expect them to repay the loan shark.

When watching 6 Lan, he negotiated with the old woman who lent money, and 6 Yanchuan watched the excitement on the side.

Seeing that she calculates clearly, and then asks the old woman to verify, 6 Yanchuan can't sit still, she will be beaten if she settles accounts with people who dare to lend usury and are unreasonable.

Looking at the three thugs behind the old woman, 6 Yanchuan decisively came over, took the piece of paper in his hand and took a look: "I look at it, it's just 10,000 yuan of principal, interest rate or something, is it so complicated?"

"6 Less, just 10,000 yuan, you don't come to mix. 6 Lan Shi snatched the paper back and moved it to the old woman.

When I look at 6 Lan, I calculate the interest rate every day, and calculate the interest as small as a few cents and a few cents, obviously a woman who is not afraid of trouble, and I will tell her what laws and regulations are when I open my mouth. For more than 10,000 yuan, she can't stuff her teeth by herself, she really wants them to pay back more than 30,000 yuan, maybe the other party will say to go through the legal process.

The old woman couldn't help but wonder, just like Xu Binghui's broken appearance, does he have such a shrewd daughter? He wants such a shrewd daughter, and he can borrow 10,000 yuan from her?!

She looked at Xu Binghui and asked in a joking tone: "She's so calculating, isn't it your daughter, where did you find it?"

Xu Binghui just listened to 6 Lan Shi talked about a long list of laws and regulations, and then watched her take out the calculator, how much is the annual interest rate, how much is the daily interest rate, and quickly calculated it, he was very complicated in his heart. I am proud of such a daughter, and at the same time I am ashamed of my ignorance and legal blindness.

Hearing the old woman say that 6 Lan Shi is not his daughter, he replied clearly: "She is my daughter!"

The old woman let out an "oh" and asked, "Before that, why didn't you hear you say that you had such a big girl?" Look at her, she works in the company, so that when you are in a hurry to spend money, you won't be given 10,000 yuan?"

This question made Xu Binghui even more ashamed, and he said weakly: "I left her mother early, she didn't live with me, she lived with her mother." ”

The old woman said "oh" again, and seemed to understand that Xu Binghui had no money to pay back, and after being beaten, she went to find the daughter born to her ex-wife.

When she looked at 6 Lan again, in terms of temperament, 6 Lan Shi did not look like a person who was very short of money. She glanced at 6 Yanchuan who came over by the way, what did 6 Lan call him less, and then looked at his dress, dressed in high-quality casual clothes, looking like a rich man. It can be seen that Xu Binghui is short of money, but his daughter is not short of money, and she can afford it!

The old woman was also a person who watched the dishes, and soon compromised in her heart, only 10,000 yuan, and she didn't want to entangle with them too much, so she picked up the IOU just now and said to 6 Lanshi: "I don't understand what interest rate you use and how to calculate it." On this IOU, it is written clearly in black and white, the principal is 10,000 yuan, the interest is 1,000 yuan a month, and the term is three months, and he wants to repay me 13,000 yuan with interest! I don't want you more than 18 days after the deadline, just calculate it according to half a month, the interest is 500 yuan, and you can repay me a total of 13,500 yuan!"

6 Lan Shi immediately retorted: "The interest you agreed on is not legal, I won't give you so much ......"

Before she could finish speaking, 6 Yanchuan patted her on the shoulder, motioned for her to move, sat inside, and asked him to come and talk to the old woman.

6 Lan Shi glanced at the three men behind the old woman, and thought that 6 Yanchuan this guy came over to give her courage, and it was not bad to bluff the old woman, so he moved his position and asked 6 Yanchuan to sit down beside her.

After sitting down, 6 Yanchuan said to the old woman in a very casual tone: "I think she is good, even with interest, I should pay you a total of 1o911 yuan." Eldest sister, you said that the IOU is clearly written in black and white, and there is a certain amount of truth. However, eldest sister, I want to ask you, do you know xxx in this business? He used to open a casino and do this family, but now he has almost changed careers. I met him a few days ago and talked to me a few times. He said that in the current situation, the gray business is becoming more and more difficult to do, and the bigwigs will stop if they can stop it, and if they can't stop it, they will also find a way to change careers, and those who stick to their old jobs will not be able to enter one day. ”

6 Yanchuan asked about xxx, the old woman knows that person, but the "legendary" character, how can she know that person like a small shrimp!

Listening to what 6 Yanchuan said, seeing that he seemed to have a lot of background, the old woman thought about it in her heart, nodded knowingly, and said: "I am illiterate and illiterate, you have a lot of knowledge, understand laws and regulations, and know how to calculate, then according to your calculation!"

She has a bit of a background, a little money to loan sharks, and spends money to find a few thugs to ask for debts, but it's just a small fight, and she can't afford to provoke a really rich boss.

Seeing that the old woman's attitude changed quickly, the corners of her mouth twitched when she was 6 lan.

Talking to this kind of person about what laws and regulations don't work, it's still rich and powerful!