Rebirth: My dad is too obedient

Chapter 42 Brother, You Are So Young

Zhang Zhiyong blinked and then said "Oh".

He glanced at Li Rui again and said with a smile:
"I thought this little brother looked familiar. I remembered him when you mentioned Xie Bingran."

Xu Chen: "How much does she owe? Let's clear the debt."

Zhang Zhiyong held a cigarette in his mouth and looked Xu Chen up and down:

"Little brother, there are thirty or forty thousand, not three or four hundred."

Xu Chen's expression remained unchanged: "Since we are here, and Officer Chen is with us, we must have collected enough money."

Zhang Zhiyong was stunned for a moment, glanced at Chen Xinlan on the sofa, and then laughed.

With a cigarette between his lips, he walked to the desk nearby, picked up an account book from the cabinet behind him, and opened it to look for something.

"Thirty-seven thousand and four, including principal and interest."

Xu Chen said, "How much is the capital and how much is the profit?"

Zhang Zhiyong squinted his eyes and took a puff of cigarette:

"Am I still going to deceive you high school students?"

Chen Xinlan on the side glanced at Zhang Zhiyong:
"People come with money to pay off debts, so they have the right to know, right?"

Zhang Zhiyong quickly smiled and looked down at the account:
"Xie Bingran borrowed 30,000 yuan, and the interest so far is 7,438.64 yuan.

If I can pay it back today, the thirty-eight dollars will be wiped out."

Xu Chen remained silent.

The loan principal of 30,000 yuan has an interest of more than 7,000 yuan...

Xie Bingran must have been left with no other options, which was why he had to borrow a loan with such a high interest rate.

Li Rui and Fang Tao also looked surprised. Although they had known for a long time that Brother Bing owed more than 30,000 yuan, they were still a little shocked when they learned the actual specific number.

Their family conditions are very ordinary. For many rural families in towns and villages, 37,000 yuan may be the total family income for several years.

Chen Xinlan frowned: "Your interest rate is really high."

Zhang Zhiyong laughed:

"Officer Chen should know very well that we are doing everything legally and in compliance with regulations. We have completed all the necessary formalities. You have checked this several times as well."

Chen Xinlan said nothing more and turned to look at Xu Chen.

There was some helplessness in her eyes, and Xu Chen could roughly understand it.

In small counties in 06, there are still many lending companies that operate on the edge of the law, and the country has not yet begun to take strict action to crack down on them.

Xu Chen looked at Zhang Zhiyong: "Do you have Xie Bingran's loan certificate?"

Zhang Zhiyong:
"Yes, we are a legitimate company. Even though the other party is a high school student, we have signed a formal loan contract."

As he spoke, he rummaged through the cabinet, took out a contract, and threw it on the desk in front of him.

Xu Chen walked over, picked up the contract and started reading it.

Zhang Zhiyong, holding a cigarette in his mouth, added:
"Oh, by the way... Xie Bingran was still a minor when she borrowed the money. She came with her grandmother's ID card, so there are two names signed on it."

Chen Xinlan said, "You dare to borrow from minors."

Zhang Zhiyong smiled again: "We are acting legally and in compliance with regulations. Besides, who doesn't have some difficulties? We are also doing good deeds and accumulating virtue."

Chen Xinlan snorted coldly, with a look of disdain on her face.

Xu Chen read the contract carefully and found that the loan principal was indeed 30,000 yuan. According to the interest rate and time in the contract, there would be no problem with the principal and interest of more than 37,000 yuan.

At the end of the contract, there are copies of two ID cards and their respective handwritten signatures.

One of them belongs to Xie Bingran, and the other one is naturally grandma's.

After everything was confirmed, Xu Chen took out the four envelopes from his arms, which contained exactly 40,000 yuan.

Three stacks of ten thousand placed on the table equal thirty thousand.

Some of the other ten thousand was taken out, leaving exactly seven thousand four hundred, which was also placed on the table.

"Just click it." Xu Chen said coldly.

Zhang Zhiyong sucked on his cigarette, looked at Xu Chen with interest, and said with a smile:
“You really have it…”

Xu Chen had a blank expression on his face and didn't say anything.

Zhang Zhiyong put out his cigarette butt in the ashtray, picked up the stacks of money with his two big hands wearing gold rings, and counted them carefully. He then took out a purple light from the drawer to check the money, and then smiled and said:
"No problem, thank you, young boss! Xie Bingran's debt will be settled today."

He picked up Xie Bingran's loan contract and said:

"Wait a moment, I'll sign the account for you."

As he spoke, he picked up a large seal from the table and stamped it on several places on the contract.

The seal is a proof of "settlement of account" and it says "debt paid off".

He picked up a pen and signed his name on each seal.

After everything was done, the contract was handed to Xu Chen.

Xu Chen took the contract and asked, "There are no other mortgage certificates or anything like that, right?"

Zhang Zhiyong smiled and whispered:

"Don't worry, little brother. I won't lie to you. Even if you brought the police here today, I still wouldn't have the courage to do it."

Xu Chen said nothing more and took the loan contract.

He carefully checked each "settlement" stamp, removed the last two pages of the ID card copy separately, and put them all into his backpack.

Zhang Zhiyong picked up half a pack of cigarettes from the table and handed it to Xu Chen.

Xu Chen waved his hand: "No."

Zhang Zhiyong smiled:

"Brother, you are young, brave and resourceful, and your future is limitless..."

He picked up another business card from the table and handed it to Xu Chen.

"If your family needs funds, you can always come to me. Or if your family has idle funds, you can entrust them to me for loan.

You are a talented person. If you can’t find a job after graduation, you can come to me.”

Xu Chen took Zhang Zhiyong's business card, glanced at it, but just smiled and said nothing.

He turned to Chen Xinlan and said, "Officer Chen, it's done."

Chen Xinlan nodded and got up from the sofa.

Zhang Zhiyong also quickly stood up with a smile:

"Officer Chen, I've always wanted to treat you to a meal. How about today?"

Chen Xinlan didn't look happy: "Forget it."

Zhang Zhiyong, with a smile on his face, "escorted" Chen Xinlan out.

Chen Xinlan spoke again: "I have seen to it that this debt is cleared today, so don't cause any more trouble later."

Zhang Zhiyong said seriously:
"Officer Chen, your words are serious. We are a serious business and we want repeat customers. How can there be any tail?"

……

Amid Zhang Zhiyong's laughter, Chen Xinlan, Xu Chen and the other two went downstairs.

"Thank you, Officer Chen. I'm grateful for your presence today." Xu Chen said seriously.

Chen Xinlan: "It's my job. You were right to call me. If Zhang Zhiyong causes trouble again in the future, just contact me."

As she spoke, she glanced at Li Rui.

There was a bruise on Li Rui's cheek. Although Chen Xinlan was young, she had rich experience in handling cases. She guessed that he was beaten by Zhang Zhiyong's men.

"Okay, I'll go back first!" Chen Xinlan said with a smile.

"Thank you, Officer Chen..."

Xu Chen and the other two watched Chen Xinlan leave before heading towards the school.

Xu Chen took out his phone and checked the time:
"Hurry up, the afternoon class is about to start!"

As he said this, he spread his legs and started running.

Li Rui and Fang Tao were stunned for a moment, then quickly chased after him.

Xie Bingran went to "find a solution" himself.

I don't know what happened...

(End of this chapter)